FCU Rates

Kasasa Cash Checking
APY**Div RateMax.Details
Dollar AmountDescription
5.05%4.94%$15,000Non-qualified accounts earn .01%APY
5.05% - 0.78%0.14%Over $15,000Non-qualified accounts earn .01%APY
*Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card transactions and a minimum of one ACH debit/bill pay during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information.

Effective Date: April 23, 2024

Kasasa Saver
APY**Div RateMax.Details
Dollar AmountDescription
3.00%2.96%$50,000Non-qualified accounts earn .01%APY
3.00% - 1.09%0.14%Balances over $50,000Non-qualifying accounts earn .01%APY
Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card purchases and a minimum of one ACH debit/bill pay during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information. Only members with a Kasasa Cash or Kasasa Cash Back checking can also take advantage of a Kasasa Saver savings account. When you qualify each month with your Kasasa Cash and Kasasa Cash Back you automatically qualify with your Saver account too. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA.

Effective Date: April 23, 2024

Savings Escrow, Club and Birdie Accounts
Min.Max.APY**Div Rate*
Dollar AmountMaximum Dollar Amount
$100.00$9,9990.02%0.02%
$10,000$24,9990.02%0.02%
$25,000$99,9990.02%0.02%
$100,000and up0.02%0.02%
*Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge. **APY=Annual Percentage Yield. Rates may change at any time. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.

Effective Date: April 23, 2024

Health Savings Checking
Investment AmountAPY**Div Rate*
$0.01 - $9990.15%0.15%
$1,000 - $2,4990.30%0.30%
$2,500 - $9,9990.30%0.30%
$10,000 and up0.30%0.30%
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Our Health Savings Account features a small set-up charge and a small monthly-service charge. HSA's are designed for those members with high deductible health insurance plans. Contact our Business Department at (989)497-1600 for more information on our very attractive HSA program.

Effective Date: April 23, 2024

Wealth Builder
InvestmentAPY**Div Rate*
$100-$9,999.20%.20%
$10,000-$49,999.16%-.20%.15%
$50,000-$99,999.13%-.16%.10%
$100,000+.05%-.13%.05%
**APY = Annual Percentage Yield. Rates may change at any time. No interest will be paid on the Wealth Builder Consumer if the average daily balance is less than $100. Account approval, qualifications, limits and other requirements may apply. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.

Effective Date: April 23, 2024

All-In Savings
Min.APY**Div Rate*
$1001.00%0.99%

**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Federally insured by NCUA. Contact us for information about fees and terms that may apply.
Effective Date: April 23, 2024

Mega Money Market
BalanceAPY**Div Rate*
$10,000 - $24,9991.44%1.43%
$25,000 - $49,9991.54%1.53%
$50,000 - $99,9991.64%1.63%
$100,000 - $499,9992.50%2.47%
$500,000 - $999,9992.80%2.76%
$1,000,000 and up3.00%2.96%
*Required minimum opening balance for both Money Market Accounts is the minimum required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100. **APY = Annual Percentage Yield. Members will forfeit dividends if account is closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information.

Effective Date: April 23, 2024

Youth Savings
DescriptionAPY**Div. Rate*
Promise to Save .02%.02%
Matching CASH BONUS after 12 months of saving!***
**APY=Annual Percentage Yield. ***Members can choose to deposit extra funds at any time. In order to qualify for the Bonus Payment, the balance remaining on deposit must not drop below the Bonus Payment Amount times the number of months the account has been opened, rounded to the next highest whole number (the “Minimum Secured Balance”). If the conditions are met FCU will pay the account owner a one-time Bonus Payment in the amount selected by the owner within 30 days of the first anniversary date of account-opening. Only one My Promise to Save account my be opened in any 12-month period and only one account per main owners’ social security number. This is a variable rate and the dividend rate and Annual Percentage Yield may change every quarter. Federally insured by NCUA. Speak with an FCU Rep for full disclosure information.


Effective Date: April 23, 2024

Traditional Roth IRA and Coverdell ESA
InvestmentAPY**Div Rate*
$0 - $9,9990.10%0.10%
$10,000 - $24,9990.20%0.20%
$25,000 - $99,9990.20%0.20%
$100,000 & Up0.20%0.20%
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA investment options, check out our Certificates of Deposit rates. IRAs can take advantage of these great rates also.


Effective Date: April 23, 2024
Featured CD-Certificate of Deposit
CD TypeAPY**Div Rate*Min.Details
Minimum InvestmentDescription
$500 - $99,999
11 Months3.75%3.69%$500Good for funds already at FCU and new funds.
19 Month Bump***4.50%4.41%$500Good for funds new to FCU only.
21 Months4.00%3.93%$500Good for funds already at FCU and new funds.
$100,000 - $149,000
11 Months4.00%3.93%$100,000Good for funds already at FCU and new funds.
19 Month Bump***4.75%4.65%$100,000Good for funds new to FCU only
21 Months4.25%4.17%$100,000Good for funds already at FCU and new funds.
$150,000 - $249,999
11 Months4.25%4.17%$150,000Good for funds already at FCU and new funds.
19 Month Bump***4.75%4.65%$150,000Good for funds new to FCU only
21 Months4.50%4.41%$150,000Good for funds already at FCU and new funds.
$250,000 - and up
11 Months4.75%4.65%$250,000Good for funds already at FCU and new funds.
19 Month Bump***5.00%4.89%$250,000Good for funds new to FCU only
21 Months5.00%4.89%$250,000Good for funds already at FCU and new funds.
**APY = Annual Percentage Yield. Contact us for more information. Requires $500 minimum investment for a Certificate of Deposit. Rates may differ depending on the amount investing. Members will forfeit dividends if accounts closed before accrued dividends are posted. Substantial penalty for early withdrawals. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal. VIP=Value In Participation: VIP Gold or Platinum members get 1/4% monthly interest bonus on CD's & certain loans that have taken out since Sept. 2003. Birthday cards do not qualify to take advantage of CD specials, which include odd termed CD offers under the CD SPECIALS title. ***19 Month Bump CD Rate can be changed once any time during the term of the CD to FCU’s current rate. Will auto renew as a non-bump cd. 19 Month Bump CD for new to FCU money only.

Effective Date: April 23, 2024

CD-Certificate of Deposit
TermAPY**Div Rate*
$500 - $99,999 Term
3 Months1.30%1.29%
6 Months1.35%1.34%
9 Months1.50%1.49%
12 Months1.60%1.59%
18 Months1.65%1.64%
24 Months1.70%1.69%
30 Months1.80%1.78%
36 Months1.85%1.83%
36 Month Bump***1.85%1.83%
48 Months1.90%1.88%
60 Months2.03%2.03%
60 Month Bump***2.03%2.03%
$100,000 - $149,000 Term
3 Months1.35%1.34%
6 Months1.40%1.39%
9 Months1.55%1.54%
12 Months1.65%1.64%
18 Months1.70%1.69%
24 Months1.75%1.74%
30 Months1.85%1.83%
36 Months1.90%1.90%
36 Month Bump***1.90%1.90%
48 Months1.95%1.93%
60 Months2.10%2.08%
60 Month Bump***2.10%2.08%
$150,000 - $249,000 Term
3 Months1.40%1.39%
6 Months1.45%1.44%
9 Months1.60%1.59%
12 Months1.70%1.69%
18 Months1.75%1.74%
24 Months1.81%1.79%
30 Months1.90%1.88%
36 Months1.95%1.93%
36 Month Bump***1.95%1.93%
48 Months2.00%1.98%
60 Months2.15%2.13%
60 Month Bump***2.15%2.13%
$250,000 and up Term
3 Months1.45%1.44%
6 Months1.50%1.49%
9 Months1.65%1.64%
12 Months1.75%1.74%
18 Months1.81%1.79%
24 Months1.85%1.83%
30 Months1.95%1.93%
36 Months2.00%1.98%
36 Month Bump***2.00%1.98%
48 Months2.05%2.03%
60 Months2.20%2.18%
60 Month Bump***2.20%2.18%
*Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. ***Bump CD's have option to change rate to current rate once per CD term.

Effective Date: April 23, 2024

Save to Win
APY**Div Rate*Min.
Minimum Dollar Amount
Save To Win CD2.55%2.53%$25 to open12 Month CD
Can Add Funds At Anytime
Cannot withdraw until 12 months after date of opening
Save To Win Savings Account2.05%2.03%$25 to openLiquid Savings Account
Can Add Funds At Anytime
Can Withdraw Funds At Anytime
**APY=Annual Percentage Yield. Save to Win CD: Rates may change at any time. Penalty for early withdrawals or closings. Members will forfeit dividends if accounts closed before accrued dividends are posted. Withdrawal Charges: if the CD balance is (1) under $25,000, the fee for one-time withdrawal is $50. and/or if the balance is (2) $25,000 or higher, the fee is $100. Save To Win Savings account: Rates may change at any time. Federally insured by NCUA. Contact us for more information.

Effective Date: April 23, 2024
Be Happy Consumer Loan
DescriptionAPR*Rate**Term
as low asas low asRepayment Option
Be Happy Loan11.33%8.99%12 month
Be Happy Loan11.23% 9.99% 24 months
*APR=Annual Percentage Rate.  APR based on sample loan amount of $10,000, payable over the term listed above. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates may change at any time. Contact us for more details. 1/2% lower if fully secured. **First payment can be made up to 90 days out-interest will accrue. Be Happy Loan applies to new loan money only..
Effective Date: April 23, 2024

Auto Loan
TypeAPR* Rate**Term
as low asas low asmonths
2023 or newer6.81%6.64%75
2022-20206.83%6.64%63
2019-20176.88%6.64%51
2016 and older6.95%6.64%39
Antique Auto8.59%8.39%63
Driving Sense-Lease Look Alike7.90%6.64%up to 72
Auto Loan Special***6.63%6.14%24
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable over the term listed above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. ***24 Month AUTO LOAN SPECIAL applies to 2017 or newer, $125 loan app fee, new to FCU money only. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details. Interest will continue to accrue if no payment is made. Extended repayment options may be available, please contact FCU for more information.

Effective Date: April 23, 2024

Driver’s Sense-Lease Look Alike
Driving SenseAPR*Rate**Term
as low asas low as
Model 5 Years Old & Newer Qualify7.90%6.64%up to 72 months
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details.


Effective Date: April 23, 2024

Recreational Vehicle
DescriptionAPR*Rate**Term
as low asas low as
ATV, Snowmobile, Lawn & Garden, Jet Ski or Trailer7.79%7.64%Contact Us
RV, Boat, Travel Trailer or Plane7.79%7.64%Contact Us
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. Must meet FCU's normal underwriting qualifications for approval. A loan application fee applies and is included in the APR calculation. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day no pay offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Interest will continue to accrue if no payment is made. Contact us for more details.

Effective Date: April 23, 2024

Motorcycle
TypeAPR* Rate**Term
as low asas low asmonths
2023 or newer6.81%6.64%75
2022-20206.83%6.64%63
2019-20176.88%6.64%51
2016 and older6.95%6.64%39
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable over the term listed above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU.
Effective Date: April 23, 2024

Share Pledge Loan
DescriptionAPR*Rate**Term
as low as
Share Pledged Loan4.00%
for example funds in a 1.00%APY product
Savings Product + 3.00%120 Mon. Max.
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. No Application Fee. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact FCU for more information. Floor of 3.02%.

Effective Date: April 23, 2024

Signature Loans
DescriptionAPR*Rate**Term
as low asas low asRepayment Option
Personal Signature Loan10.43%9.64%39 Months
Gold LOC (Line of Credit)12.50%Prime + 4% (variable rate)Monthly payment figured on the balance.
Home Improvement Loans
Unsecured Home Improvement Loan10.04%9.39%48 Months
Contact Us
Secured Home Improvement Loan9.04%8.39%48 Months
Contact Us
*APR=Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates for members residing outside of the state of Michigan will have 1% added to the advertised rate for collateralized loans. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. 90 day offer is only good on new money financed with FCU, does not apply for refinances already with FCU. Contact us for more details
Effective Date: April 23, 2024

Consumer MasterCard Credit Cards
MasterCardAPR*Benefits
as low as
Diamond CashBack10%**Earn 2% cash back on all purchases
Simply Platinum8.99%Earn points towards rewards.
Gold Home Equity7.90%Less than 80% Loan to Value
Gold Home Equity8.90%Greater than 80% Loan to Value
Prime Gold Home Equity8.50%, Rate tied to Prime***Less than 80% Loan to Value
Prime Plus Gold Home Equity9.25%, Rate tied to Prime + .75%***Greater than 80% Loan to Value
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information. *Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Simply Platinum Card: Those with a credit score of 636 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 635 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Simply Platinum cards will receive the promotion rate of 6.9%APR for credit scores 636 or higher or 12.9%APR for credit scores 635 or lower on brand-new purchases for 12 months. Diamond Card: Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 549 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Diamond cards will receive the promotion rate of 6.9%APR for credit scores 550 or higher or 12.9%APR for credit scores 549 or lower on brand-new purchases for 12 months
**Diamond Mastercard earns 2.0% cash back on all purchases and 550 or higher credit score to qualify for 10%APR. 549 or lower credit score to qualify for 17%APR. No annual fee.
***Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.

Effective Date: April 23, 2024

Business Platinum MasterCard
MasterCardAPR*Benefits
as low as
Business Platinum13.50%, Rate tied to Prime + 5.00%Earn points on each purchase for travel, merchandise or cash
Balance Transfer Promo11.50%, Rate tied to Prime + 3.00%Special Rate for debt transferred from accounts outside FCU
*APR=Annual Percentage Rate. Rate: Prime + 5.00% not to go below a floor of 8.00%APR. Balance Transfer Promotion Rate: Prime + 3.00%. Debt must be from outside FCU. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information.

Effective Date: April 23, 2024

Mortgage Loans
DescriptionAPR*
as low as
10 Year Fixed†6.875%
15 Year Fixed†6.875%
20 Year Fixed†7.125%
30 Year Fixed†6.875%
Rural Development7.125%
5 Year Balloon Construction LoanContact Us
10 Year Construction Loan6.875%
15 Year Construction Loan7.250%
20 Year Construction Loan7.375%
30 Year Construction Loan7.625%
5 Yr. Balloon7.750%
10 Yr. Balloon7.850%
*APR=Annual Percentage Rate. Contact us for more information. A loan application fee applies and is included in the APR calculation. FCU Mortgage rates are subject to change at anytime. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.497.1600.

†Rates are based on a $150,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.
Effective Date: April 23, 2024

Home Equity
DescriptionAPR*
as low as
Closed End Home Equity
Max Term 15 yrs or 30 yr amortization with 15 year balloon
Contact Us
Prime Gold Home Equity
equal to or less than 80% LTV, Prime 4.00% floor of 4.00%
8.500% Rate tied to Prime
Prime Plus Gold Home Equity
greater than 80% LTV, Prime 4.00%, floor of 4.00%
9.250% Rate tied to Prime + .75%
MasterCard Gold Home Equity
equal to or less than 80% LTV
7.900%
MasterCard Gold Home Equity
greater than 80% LTV
8.900%
*APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information. Loan rates and approval subject to credit score and analysis. A loan application fee applies and is included in the APR calculation for closed-end home equity loans. Equal opportunity lender. For HELOC no fees charged up front and fees are disclosed at time of application. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment in calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.

Effective Date: April 23, 2024
Education Line of Credit
DescriptionAPR*Max. $ Amount
as low asMaximum Dollar Amount
Education Line of Credit9.39%$50,000 Max. Line
Payment calculated at 1% of balance or $100, whichever is greater. *APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.

Effective Date: April 23, 2024

Post Deferment Student Loan Refinance
DescriptionAPR*Rate**Term
as low asas low asTerm in Years
Post Deferment Student Loan Refinance8.50%8.39%10 yrs to repay
*APR=Annual Percentage Rate. APR based on sample loan amount of $25,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. A loan application fee applies and is included in the APR calculation. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details

Effective Date: April 23, 2024

Business Platinum MasterCard
DescriptionAPY**Div Rate*Balance
Minimum balance to earn interest
2 Star Plus Checking0.03%0.03%$250 min.
3 Star Plus Checking0.05%0.05%$500 min.
4 Star Plus Checking0.10%0.10%$1000 min.
5 Star Plus Checking0.30%0.30%$20,000 min.
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts.

Effective Date: April 23, 2024

All-In Savings Business
Min.APY**Div Rate*
$1001.00%0.99%

**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Federally insured by NCUA. Contact us for information about fees and terms that may apply.
Effective Date: April 23, 2024

Business Wealth Builder
InvestmentAPY**Div Rate*
$1,000-$99,999.20%.20%
$100,000-$149,999.18%-.20%.15%
$150,000-$249,999.15%-.18%.10%
$250,000+.05%-.15%.05%
**APY = Annual Percentage Yield. Rates may change at any time. Advertised rate is on the first $249,999 in balances for businesses. No interest will be paid on the Business Wealth Builder if the average daily balance is less than $1,000. Account approval, qualifications, limits and other requirements may apply. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Federally insured by NCUA.

Effective Date: April 23, 2024

Business Savings
Dividend TiersAPY**Div Rate*
$5 - $9,9990.10%0.10%
$10,000 - $24,9990.10%0.10%
$25,000 - $99,9990.10%0.10%
$100,000 & Up0.10%0.10%
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. FCU offers special savings rates for our members that take advantage of our excellent business programs. Contact our business department for more information.

Effective Date: April 23, 2024