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Frankenmuth Credit Union Rates & Review September 2026

Frankenmuth Credit Union's 8 Month Livestock CD Special rates are at 5.00%, 21 Month CD rates are at 3.75%, 60 Month CD-CD of Deposit rates are at 3.70%, 11 Month CD rates are at 3.65%, 60 Month CD-CD of Deposit rates are at 3.65%. Frankenmuth Credit Union's savings rates are at 0.02%. Frankenmuth Credit Union's money market rates are at 1.35%. Frankenmuth Credit Union's Mortgage Loans - 10 Year Fixed rates are at 6.88%, Mortgage Loans - 15 Year Fixed rates are at 6.88%, Mortgage Loans - 20 Year Fixed rates are at 7.12%. Frankenmuth Credit Union's Personal Loan Rates are as low as 9.91%. Frankenmuth Credit Union's Credit Card Rates are at 7.90%. MonitorBankRates evaluates the financial stability of Frankenmuth Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.43%. Rates last updated and verified on 09/22/2026.

Frankenmuth Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Frankenmuth Credit Union? Share your experience about Frankenmuth Credit Union by leaving a review below, or read customer reviews before you decide to use Frankenmuth Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.43%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Frankenmuth Credit Union
Main Office
580 N Main St
Frankenmuth, MI 48734
https://www.frankenmuthcu.org
Member NCUA

Frankenmuth Credit Union CD Rates

Product Rate APY Term View More
8 Month Livestock CD Special 4.89% 5.00% 8 Months
Details For funds new to FCU only. Must use proceeds of livestock sale to open CD.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
21 Month Certificate 3.69% 3.75% 21 Months
Min Deposit $250,000
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
60 Month CD-Certificate of Deposit 3.54% 3.70% 60 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
11 Month Certificate 3.59% 3.65% 11 Months
Min Deposit $250,000
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
60 Month CD-Certificate of Deposit 3.59% 3.65% 60 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
60 Month CD-Certificate of Deposit 3.54% 3.60% 60 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
21 Month Certificate 3.49% 3.55% 21 Months
Min Deposit $150,000
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
48 Month CD-Certificate of Deposit 3.49% 3.55% 48 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
60 Month CD-Certificate of Deposit 3.49% 3.55% 60 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
36 Month CD-Certificate of Deposit 3.44% 3.50% 36 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
48 Month CD-Certificate of Deposit 3.44% 3.50% 48 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
11 Month Certificate 3.40% 3.45% 11 Months
Min Deposit $150,000
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
30 Month CD-Certificate of Deposit 3.40% 3.45% 30 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
36 Month CD-Certificate of Deposit 3.40% 3.45% 36 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
48 Month CD-Certificate of Deposit 3.40% 3.45% 48 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
30 Month CD-Certificate of Deposit 3.35% 3.40% 30 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
36 Month CD-Certificate of Deposit 3.35% 3.40% 36 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
48 Month CD-Certificate of Deposit 3.35% 3.40% 48 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
21 Month Certificate 3.30% 3.35% 21 Months
Min Deposit $100,000
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
24 Month CD-Certificate of Deposit 3.30% 3.35% 24 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
30 Month CD-Certificate of Deposit 3.30% 3.35% 30 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
36 Month CD-Certificate of Deposit 3.30% 3.35% 36 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
18 Month CD-Certificate of Deposit 3.26% 3.31% 18 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
24 Month CD-Certificate of Deposit 3.26% 3.31% 24 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
30 Month CD-Certificate of Deposit 3.25% 3.30% 30 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
11 Month Certificate 3.20% 3.25% 11 Months
Min Deposit $100,000
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
12 Month CD-Certificate of Deposit 3.20% 3.25% 12 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
18 Month CD-Certificate of Deposit 3.20% 3.25% 18 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
21 Month Certificate 3.20% 3.25% 21 Months
Min Deposit $500
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
24 Month CD-Certificate of Deposit 3.20% 3.25% 24 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
12 Month CD-Certificate of Deposit 3.15% 3.20% 12 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
18 Month CD-Certificate of Deposit 3.15% 3.20% 18 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
24 Month CD-Certificate of Deposit 3.15% 3.20% 24 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
11 Month Certificate 3.10% 3.15% 11 Months
Min Deposit $500
Details Good for funds already at FCU and new funds.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
12 Month CD-Certificate of Deposit 3.10% 3.15% 12 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
9 Month CD-Certificate of Deposit 3.10% 3.15% 9 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
18 Month CD-Certificate of Deposit 3.10% 3.14% 18 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
12 Month CD-Certificate of Deposit 3.06% 3.10% 12 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
9 Month CD-Certificate of Deposit 3.06% 3.10% 9 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
9 Month CD-Certificate of Deposit 3.01% 3.05% 9 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
12 Month Save To Win CD 2.97% 3.00% 12 Month
Min Deposit $25
Details Can Add Funds At Anytime
Cannot withdraw until 12 months after date of opening
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
6 Month CD-Certificate of Deposit 2.96% 3.00% 6 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
9 Month CD-Certificate of Deposit 2.96% 3.00% 9 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
3 Month CD-Certificate of Deposit 2.91% 2.95% 3 Months
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
6 Month CD-Certificate of Deposit 2.91% 2.95% 6 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
3 Month CD-Certificate of Deposit 2.86% 2.90% 3 Months
Min Balance $150,000
Details Balance: $150,000 - $249,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
6 Month CD-Certificate of Deposit 2.86% 2.90% 6 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
3 Month CD-Certificate of Deposit 2.81% 2.85% 3 Months
Min Balance $100,000
Details Balance: $100,000 - $149,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
6 Month CD-Certificate of Deposit 2.81% 2.85% 6 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
3 Month CD-Certificate of Deposit 2.76% 2.80% 3 Months
Min Balance $500
Details Balance: $500 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Savings Rates

Product Rate APY View More
Youth Save To Win Savings Account 3.94% 4.00%
Min Deposit $10
Details Ages: 17 & Younger;
Liquid Savings Account
Can Add Funds At Anytime
Can Withdraw Funds At Anytime
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Plus+ Savings 2.86% 2.90%
Min Balance $1,000,000
Details Balance: $1,000,000 & Up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Plus+ Savings Account 2.86% 2.90%
Min Balance $1,000,000
Details Balance: $1,000,000 & Up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Plus+ Savings 2.73% 2.77%
Min Balance $500,000
Details Balance: $500,000 - $999,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Plus+ Savings Account 2.73% 2.77%
Min Balance $500,000
Details Balance: $500,000 - $999,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Plus+ Savings 2.69% 2.72%
Min Balance $100,000
Details Balance: $100,000 - $499,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Plus+ Savings Account 2.69% 2.72%
Min Balance $100,000
Details Balance: $100,000 - $499,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Plus+ Savings 2.44% 2.47%
Min Balance $25,000
Details Balance: $25,000 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Plus+ Savings Account 2.44% 2.47%
Min Balance $25,000
Details Balance: $25,000 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Plus+ Savings 2.35% 2.38%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Plus+ Savings Account 2.35% 2.38%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Plus+ Savings 2.31% 2.34%
Min Balance $500
Details Balance: $500 - $9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Plus+ Savings Account 2.31% 2.34%
Min Balance $500
Details Balance: $500 - $9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Save To Win Savings Account 2.23% 2.25%
Min Deposit $25
Details Liquid Savings Account
Can Add Funds At Anytime
Can Withdraw Funds At Anytime
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
All-In Savings 0.99% 1.00%
Min Balance $100
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Liquid Savings Account - 1.00%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Savings 0.10% 0.10%
Min Balance $5
Details Balance: $5 - $9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Savings 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Savings 0.10% 0.10%
Min Balance $25,000
Details Balance: $25,000 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Savings 0.10% 0.10%
Min Balance $100,000
Details Balance: $100,000 & Up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Reg Savings 0.02% 0.02%
Min Balance $100
Details Balance: $100.00 - $9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Reg Savings 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Reg Savings 0.02% 0.02%
Min Balance $25,000
Details Balance: $25,000 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Reg Savings 0.02% 0.02%
Min Balance $100,000
Details Balance: $100,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Money Market Rates

Product Rate APY View More
Mega Money Market 2.81% 2.85%
Min Balance $1,000,000
Details Balance: $1,000,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mega Money Market 2.67% 2.70%
Min Balance $500,000
Details Balance: $500,000 - $999,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mega Money Market 2.18% 2.20%
Min Balance $100,000
Details Balance: $100,000 - $499,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mega Money Market 1.54% 1.55%
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mega Money Market 1.44% 1.45%
Min Balance $25,000
Details Balance: $25,000 - $49,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mega Money Market 1.34% 1.35%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Checking Rates

Product Rate APY View More
Business 5 Star Plus Checking 0.30% 0.30%
Min Balance $20,000
Details Minimum balance to earn interest
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business 4 Star Plus Checking 0.10% 0.10%
Min Balance $1,000
Details Minimum balance to earn interest
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business 3 Star Plus Checking 0.05% 0.05%
Min Balance $500
Details Minimum balance to earn interest
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business 2 Star Plus Checking 0.03% 0.03%
Min Balance $250
Details Minimum balance to earn interest
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage Loans - 10 Year Fixed - - 6.88% 10 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mortgage Loans - 15 Year Fixed - - 6.88% 15 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Mortgage Loans - 20 Year Fixed - - 7.13% 20 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 4.00%
Details HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Prime Gold Home Equity - - 6.75%
Details equal to or less than 80% LTV, Prime 4.00% floor of 4.00%; Rate tied to Prime
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Prime Plus Gold Home Equity - - 7.50%
Details greater than 80% LTV, Prime 4.00%, floor of 4.00%; Rate tied to Prime + .75%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Gold Home Equity - - 7.90%
Details Less than 80% Loan to Value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
MasterCard Gold Home Equity - - 7.90%
Details equal to or less than 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Gold Home Equity - - 8.90%
Details Greater than 80% Loan to Value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
MasterCard Gold Home Equity - - 8.90%
Details greater than 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan Special 4.24% - 4.48% 48 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Auto - 2025 or newer Loan 5.10% - 5.26% 75 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Auto - 2024-2022 Loan 5.10% - 5.29% 63 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Auto - 2021-2019 Loan 5.10% - 5.33% 51 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Auto - 2018 and older Loan 5.10% - 5.39% 39 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Antique Auto 7.59% - 7.82% 63 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle Loan - 2025 or newer 5.10% 5.26% 75 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Motorcycle Loan - 2024-2022 5.10% 5.29% 63 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Motorcycle Loan - 2021-2019 5.10% 5.33% 51 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Motorcycle Loan - 2018 and older 5.10% 5.39% 39 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
ATV, Snowmobile, Lawn & Garden, Jet Ski or Trailer Loan 6.90% 7.07%
Details As Low As; As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
RV, Boat, Travel Trailer or Plane Loan 6.90% 7.07%
Details As Low As; As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Student Loan Rates

Product Rate Points APR Term View More
Post Deferment Student Loan Refinance 7.00% - 7.10% 10 yrs to repay
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Gold Home Equity - 7.90%
Details equal to or less than 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
MasterCard Gold Home Equity - 8.90%
Details greater than 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Personal Loan Rates

Product APR Term View More
Personal Signature Loan 9.91% 39 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Be Happy Personal Loan 9.92% 24 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Unsecured Home Improvement Loan 9.99% 48 Months
Details As Low As; Contact Us
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Be Happy Personal Loan 10.20% 12 month
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Be Happy Personal Loan 10.48% 36 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Frankenmuth Credit Union Other Rates

Product Rate Points APY/APR Term View More
10 Year Construction Loan - - 7.13%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
10 Yr. Balloon Loan - - 7.60% 10 Yr.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
15 Year Construction Loan - - 7.25%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
20 Year Construction Loan - - 7.38%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
30 Year Construction Loan - - 7.50%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
5 Yr. Balloon Loan - - 7.50% 5 Yr.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Be Happy Loan - - 9.92% 12, 24 or 36 months
Details As Low As; 90 Days No PAY!
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Platinum Loan - - 11.75%
Details Rate tied to Prime + 5.00%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Diamond Card Loan - - 6.90%
Details 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Diamond CashBack Loan - - 10.00%
Details As Low As; Earn 2% cash back on all purchases
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Driving Sense-Lease Look Alike Loan 5.10% - 6.15% up to 72 months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Education Line of Credit - - 8.00%
Details Maximum Dollar Amount: $50,000 Max. Line
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Education Line of Credit - - 4.99%
Details Rates are now as low as 4.99% APR*. Effective Date: September 21, 2026. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Gold LOC (Line of Credit) - - 10.75%
Details Term: Monthly payment figured on the balance.; As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Model 5 Years Old & Newer Qualify Loan 5.10% - 6.15% up to 72 months
Details as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Rural Development Loan - - 6.88%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Simply Platinum Card Loan - - 6.90%
Details 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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Simply Platinum Loan - - 8.99%
Details Earn points towards rewards.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Wealth Builder 0.20% - 0.20%
Min Balance $1,000
Details Balance: $1,000-$99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Wealth Builder 0.15% - 0.18%
Min Balance $100,000
Details Published APY range: .18%-.20%. Balance: $100,000-$149,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Wealth Builder 0.10% - 0.15%
Min Balance $150,000
Details Published APY range: .15%-.18%. Balance: $150,000-$249,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Business Wealth Builder 0.05% - 0.05%
Min Balance $250,000
Details Published APY range: .05%-.15%. Balance: $250,000+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Health Savings Checking 0.15% - 0.15%
Min Balance $0
Details Balance: $0.01 - $999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Health Savings Checking 0.30% - 0.30%
Min Balance $1,000
Details Balance: $1,000 - $2,499
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Health Savings Checking 0.30% - 0.30%
Min Balance $2,500
Details Balance: $2,500 - $9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Health Savings Checking 0.30% - 0.30%
Min Balance $10,000
Details Balance: $10,000 and up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Kasasa Saver Savings 2.96% - 3.00%
Min Balance $50,000
Details Non-qualified accounts earn .01%APY
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Traditional Roth IRA and Coverdell ESA 0.10% - 0.10%
Min Balance $0
Details Balance: $0 - $9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Traditional Roth IRA and Coverdell ESA 0.20% - 0.20%
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Traditional Roth IRA and Coverdell ESA 0.20% - 0.20%
Min Balance $25,000
Details Balance: $25,000 - $99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Traditional Roth IRA and Coverdell ESA 0.20% - 0.20%
Min Balance $100,000
Details Balance: $100,000 & Up
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Wealth Builder 0.20% - 0.20%
Min Balance $100
Details Balance: $100-$9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Wealth Builder 0.15% - 0.16%
Min Balance $10,000
Details Published APY range: .16%-.20%. Balance: $10,000-$49,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Wealth Builder 0.10% - 0.13%
Min Balance $50,000
Details Published APY range: .13%-.16%. Balance: $50,000-$99,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%
Wealth Builder 0.05% - 0.05%
Min Balance $100,000
Details Published APY range: .05%-.13%. Balance: $100,000+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.43%

Financial Health History

Frankenmuth Credit Union’s Texas Ratio rose from 4.32% in Q2 2023 to 7.43% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.32% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 7.43% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.6B7.43%5.0A
December 31, 2025$1.5B6.73%5.0A
September 30, 2025$1.5B7.85%5.0A
June 30, 2025$1.5B7.07%5.0A
March 31, 2025$1.5B5.65%5.0A+
December 31, 2024$1.4B4.80%5.0A+
September 30, 2024$1.4B4.84%5.0A+
June 30, 2024$1.3B5.87%5.0A+
March 31, 2024$1.3B5.45%5.0A+
December 31, 2023$1.3B5.14%5.0A+
September 30, 2023$1.3B5.41%5.0A+
June 30, 2023$1.3B4.32%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Frankenmuth Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Frankenmuth Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Frankenmuth Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Frankenmuth Credit Union
Address 580 N Main St, Frankenmuth, MI 48734
Phone 989-497-1600
Fax 989-497-1661
President Brian Dixon
CEO VICKIE SCHMITZER
Full-Time Employees 387
Part-Time Employees 35
Branch Locations 32
ATM Locations 32
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.43%
Return on Assets (ROA)
0.3776%
Return on Equity (ROE)
3.8347%
Non-Performing Loans Ratio (NPL)
1.07%
Total Assets
1,566,137,921
Total Amount of Shares and Deposits
1,397,261,900
Total Shares and Deposits < 1 Year
1,374,987,383
Total Shares and Deposits 1 3 Years
19,761,402
Total Shares and Deposits > 3 Years
2,513,115
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
325,421,023
Total Uninsured Shares and Deposits > $250K (F+J)
325,421,023
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,071,840,877
Total Interest Expense (Sum of items 6 8)
6,520,959
Share Certificates
5,285
Number of Accounts for Share Drafts
57,058
IRA KEOGH Accounts
852
Number of Accounts for Regular Shares
94,437
All other shares
34,393
Money Market Shares
636
Net Income (unless the amount is already included in Undivided Earnings)
5,913,560
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,957,772
Total Liabilities
1,411,924,962
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Frankenmuth Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Frankenmuth Credit Union

How many branches does Frankenmuth Credit Union operate?

Frankenmuth Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Frankenmuth Credit Union?

Yes, to access services at Frankenmuth Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Frankenmuth Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Frankenmuth Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Frankenmuth Credit Union offer online and mobile banking?

Most modern institutions like Frankenmuth Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.frankenmuthcu.org.

Current Frankenmuth Credit Union Rates

  • 12-Month CD3.00%
  • 18-Month CD3.14%
  • 24-Month CD3.20%
  • 60-Month CD3.55%
  • Savings0.02%
  • MMA1.35%
Retrieved from our database of financial products. Rates subject to change.