Member Specials
Frankenmuth CU Specials

Plus SAVINGS
Tiered Account

2.94%
APY*  Min. $500

KASASA
CASH CHECKING

5.05%
APY* Up to $15K

AUto Loan
special

5.59%
as low as APR* 48 Months

CD SPECIAL
5 MONTHS

3.72%
APY* $500 – $99,999

KAsasa
SAVER

3.00%
APY* Up to $50K

Be Happy
Loan

10.22%
as low as APR*
Current rates
APY* $500-$99K

3.72%

APY* $100K-$149K

3.93%

APY* $150K-$249K

4.14%

APY* $250K & Up

4.23%

CD TypeAPY**Div Rate*Min.Details
Minimum InvestmentDescription
$500 - $99,999
5 Months3.72%3.66%$500Good for funds already at FCU and new funds.
13 Months3.41%3.36%$500Good for funds already at FCU and new funds.
19 Month Bump***3.31%3.26%$500Good for funds new to FCU only.
$100,000 - $149,000
5 Months3.93%3.86%$100,000Good for funds already at FCU and new funds.
13 Months3.51%3.45%$100,000Good for funds already at FCU and new funds.
19 Month Bump***3.46%3.41%$100,000Good for funds new to FCU only
$150,000 - $249,999
5 Months4.14%4.06%$150,000Good for funds already at FCU and new funds.
13 Months3.62%3.56%$150,000Good for funds already at FCU and new funds.
19 Month Bump***3.62%3.56%$150,000Good for funds new to FCU only
$250,000 - and up
5 Months4.23%4.15%$250,000Good for funds already at FCU and new funds.
13 Months3.82%3.75%$250,000Good for funds already at FCU and new funds.
19 Month Bump***3.83%3.76%$250,000Good for funds new to FCU only
Livestock Fair CD
7 Months5.25%5.13%$500****Only for youth who sold livestock during county fairs. See disclosure for details.
**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. ****Only for youth who sold livestock during county fairs in 2024. Must be new to FCU money with check coming from: Saginaw County Fair, Treasurer of Genesee County Fair, Marlette Livestock, Tuscola Small Livestock, United Producers, Huron Fair Board, Bay County Fair & Youth Expo, MSU, or Ogemaw County Fair. If livestock check is not $500 or more, personal funds may be added to bring the CD amount to $500, as long as the entire livestock check is used.
Effective Date: December 6, 2024


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, 2024

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, 2024
Use our Savings Calculator to see how much your savings can grow over time.

*APY = Annual Percentage Yield. Contact us for more information. 7 and 19 month CD Specials for new to FCU money only. Requires $500 minimum investment for a Certificate of Deposit. 21 Month CD Special 5.0%APY* requires $250,000 minimum investment. 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 effective March 21, 2023 and are 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.

Use our CD Calculator to see how much your savings in a CD can grow over time.
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