KASASA SAVER

Save more of everything.

Save money, time and energy. Free Kasasa Saver works with your Kasasa Cash or Kasasa Cash Back checking account. Every month, the rewards earned in Cash or Cash Back are transferred to Saver—where they receive big-time returns!
Kasasa

Saver links with Kasasa Cash or Cash Back Checking accounts

3.00% APY*

Earn an AMAZING 3.00%APY* on balances up to $50,000

No Strings

High earnings with no monthly service fees or minimum balance

KASASA SAVER

Save more of everything.

Save money, time and energy. Free Kasasa Saver works with your Kasasa Cash or Kasasa Cash Back checking account. Every month, the rewards earned in Cash or Cash Back are transferred to Saver—where they receive big-time returns!
BEST!
19 Month CD
Bump Special
4.50%
APY* Deposit $500-$99K
Bump CD Special
New to FCU Money Only
Limited-Time Only
WOW!
Kasasa Saver
Save More of Everything
3.00%
APY* on Balances Up to $50K
Links with a Kasasa Checking Account
No Monthly Service Fee
No Minimum Balance
Free Online Banking
No Minimum Deposit to Open
SUPER!
21 Month CD
Our Best CD
5.00%
APY* $250K Min Deposit
Limited Time Only
$250K Minimum Deposit
Good for Current or New Funds
Current rates
APY* $500-$99K

4.50%

APY* $100K-$149K

4.75%

APY* $150K-$249K

4.75%

APY* $250K+

5.00%

APY* $250K+

5.00%

APY* 150K-$249K

4.61%

APY* $250K+

3.58%

APY* Liquid Acct.

1.00%

Personal Savings

Never been able to save but wish you could? Don’t think you could ever save because you are barely making ends meet now? We offer many options to help you save. Plus we offer you Money Desktop a free budgeting tools to help you along the way.

All In Saver

Grow your savings at 1.00% APY*, while also maintaining access to your funds at any time. Great rate, still liquid, just right for you.

Birdie Account

A special savings account for members 12 and under

Money Market
A tiered savings account that offers higher rates, flexibility and liquidity.
Teen Saver

Our TLT account is for young investors ages 13 to 17 and teaches good savings habit

Escrow Account

A savings account for insurances, taxes, home improvements or any other project or expense you are going to have in the future.

Vacation Club

Save for an upcoming vacation or getaway

Looking to make a splash with your money? Dive into Frankenmuth Credit Union’s All-In savings account! All-In allows you to grow your savings at 1.00% APY*, while also maintaining access to your funds at any time. Great rate, still liquid, just right for you.

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: December 6, 2023

Our Wealth Builder accounts are tiered accounts so they pay a high rate of return on those beginning balances. Money can be deposited or withdrawn at any time.

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: December 6, 2023

We offer many different options for those members who are planning for their retirement. We offer the Traditional, Roth and Coverdell IRAs in both a savings account option or in any one of our high rate Certificate of Deposits products.

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: December 6, 2023

Mega Money Market accounts at Frankenmuth Credit Union are tiered accounts such that the rate of return typically scales upward as your account balance grows. Both accounts allow members the flexibility of accessing their funds either online, at any one of our branches, or by check. Money deposited into either of these accounts can be withdrawn at any time as long as withdrawals are at least $500 or higher. Deposits can be made at any time also in $100 increments.

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: December 6, 2023

CD TypeAPY**Div Rate*Min.Details
Minimum InvestmentDescription
$500 - $99,999
13 Months3.43%3.38%$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
13 Months3.48%3.43%$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
13 Months3.53%3.47%$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 Months4.61%4.51%$150,000Good for funds already at FCU and new funds.
$250,000 - and up
13 Months3.58%3.52%$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: December 6, 2023

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: December 6, 2023

All savings

Debit Round Up

Every time you use your FCU debit card to pay for a purchase, we’ll round it up to the next even dollar amount. At the end of the day, we’ll put that change in to any FCU savings account you choose. It’s a great way to pay yourself first.

Debit Round Up

Every time you use your FCU debit card to pay for a purchase, we’ll round it up to the next even dollar amount. At the end of the day, we’ll put that change in to any FCU savings account you choose. It’s a great way to pay yourself first.

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: December 6, 2023

*APY = Annual Percentage Yield. Rates may change at any time. Federally insured by NCUA.

Qualification Cycle for Kasasa is the last day of the prior month through the second to last day of the current month.  To qualify monthly Kasasa Cash, Kasasa Cash Back and Kasasa accounts require e-statements, a minimum of 15 approved and processed debit card transactions and one ACH withdrawal (Kasasa Eats and Kasasa Play do not require an ACH withdrawal).

What is the reward cycle? The cycle over which the qualifications are tracked for rewards is the last day of the previous month through the second last day of the current month. For example, the January cycle is December 31 through January 30. This is the time frame that the debit transactions and ACH debit or bill pay need to post on your account. For clarification, refer to calendar below.

How will the rewards post? ATM fee refunds will post on the last day of the month. If you have a Saver account, rewards will post to Saver. Interest will post on the 1 st of the month.

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards. The following activities are required monthly to qualify for rewards: enrollment in electronic statements, one ACH debit and 15 debit card transactions and are a condition(s) of Kasasa Saver’s linked to Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play. ACH debit is not required for Kasasa Eats or Kasasa Play accounts. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle.

Kasasa Cash Back: you will receive 5.00% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Cash: daily balances up to and including $15,000 receive an APY of 5.05% and daily balances over $15,000 earn a dividend rate of .14% on the portion of the daily balance over $15,000 resulting in a range from 5.05% to .78% APY depending on the account’s daily balance.

Kasasa Eats: will receive 5% cash back on up to a total of $200 in debit card purchases, made at grocery stores and food delivery services identified at https://frankenmuthcu.org/kasasa-eats-free-checking/ that post and settle to your account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Play: you will earn refunds, up to a maximum of $10, on debit card purchases, made with music, video, gaming and other digital streaming services identified at https://frankenmuthcu.org/kasasa-plays-free-checking/, that post and settle to the account during that cycle period.

Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 3.00% and daily balances over $50,000 earn a dividend rate of .14% on the portion of the daily balance over $50,000 resulting in a range from 3.00% to 1.09% APY depending on the account’s daily balance.

You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: Kasasa Cash: the entire daily balance in the Kasasa Cash account earns .01% APY. Kasasa Saver: the entire daily balance in the Kasasa Saver account earns .01% APY. Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Kasasa Eats: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Eats account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Kasasa Play: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Eats account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $15.00 minimum deposit is required to open the Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Play account. No minimum deposit is required to open the Kasasa Saver account. Limit of one (1) account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account is required to have a Kasasa Saver account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account, American Share Insurance.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats, Kasasa Play and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.