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Frankenmuth Credit Union

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Frankenmuth Credit Union Rates & Review November 2026

Q: What are the current interest rates at Frankenmuth Credit Union?

Current rates for Frankenmuth Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.14%, 24-Month CD: 3.20%, 60-Month CD: 3.55%, Savings: 4.00%, MMA: 2.85%

Q: What CD terms does Frankenmuth Credit Union offer?

Frankenmuth Credit Union CD rates are 3.65% APY for an 11 month CD, 3.00% APY for a 12 month CD, 3.14% APY for an 18 month CD, 3.75% APY for a 21 month CD, 3.20% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.55% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Frankenmuth Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Frankenmuth Credit Union's Featured CD-CD of Deposit - 21 month rates are at 3.75%, 60 Month CD-CD of Deposit rates are at 3.70%, Featured CD-CD of Deposit - 11 month rates are at 3.65%, 48 Month CD-CD of Deposit rates are at 3.55%, 36 Month CD-CD of Deposit rates are at 3.50%. Frankenmuth Credit Union's savings rates are at 4.00%. Frankenmuth Credit Union's money market rates are at 2.85%. Frankenmuth Credit Union's checking rates are as high as 6.20%. Frankenmuth Credit Union's Mortgage Loan - 10 Year Fixed rates are at 7.00%, Mortgage Loan - 15 Year Fixed rates are at 7.00%, Mortgage Loan - 20 Year Fixed rates are at 7.12%, Mortgage Loan - 30 Year Fixed rates are at 7.12%, Mortgage Loan - 10 Year Construction Loan rates are at 7.38%. Frankenmuth Credit Union's Personal Loan Rates are as low as 9.91%. Frankenmuth Credit Union's Credit Card Rates are at 7.90%. Frankenmuth Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A health rating. 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 8.18%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.18%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Frankenmuth Credit Union
Main Office

580 N Main St
Frankenmuth, MI 48734

https://www.frankenmuthcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Frankenmuth Credit Union CD Rates

Product	Rate	APY	Term
Livestock CD Special - 8 month	4.89%	5.00%	8 Months
Details For funds new to FCU only. Must use proceeds of livestock sale to open CD. Only for funds youth get who sold livestock at county fairs. Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 21 month	3.69%	3.75%	21 Months
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000 - and up; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month CD-Certificate of Deposit	-	3.70%	60 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month CD-Certificate of Deposit	3.59%	3.65%	60 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 11 month	3.59%	3.65%	11 Months
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000 - and up; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month CD-Certificate of Deposit	3.54%	3.60%	60 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month CD-Certificate of Deposit	3.49%	3.55%	48 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month CD-Certificate of Deposit	3.49%	3.55%	60 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 21 month	3.49%	3.55%	21 Months
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000 - $249,999; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month CD-Certificate of Deposit	3.44%	3.50%	36 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month CD-Certificate of Deposit	3.44%	3.50%	48 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
30 Month CD-Certificate of Deposit	3.40%	3.45%	30 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month CD-Certificate of Deposit	3.40%	3.45%	36 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month CD-Certificate of Deposit	3.40%	3.45%	48 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 11 month	3.40%	3.45%	11 Months
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000 - $249,999; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
30 Month CD-Certificate of Deposit	3.35%	3.40%	30 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month CD-Certificate of Deposit	3.35%	3.40%	36 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
48 Month CD-Certificate of Deposit	3.35%	3.40%	48 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month CD-Certificate of Deposit	3.30%	3.35%	24 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
30 Month CD-Certificate of Deposit	3.30%	3.35%	30 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
36 Month CD-Certificate of Deposit	3.30%	3.35%	36 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 21 month	3.30%	3.35%	21 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $149,000; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month CD-Certificate of Deposit	3.26%	3.31%	18 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.31% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month CD-Certificate of Deposit	3.26%	3.31%	24 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.31% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
30 Month CD-Certificate of Deposit	3.25%	3.30%	30 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month CD-Certificate of Deposit	3.20%	3.25%	12 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month CD-Certificate of Deposit	3.20%	3.25%	18 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month CD-Certificate of Deposit	3.20%	3.25%	24 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 11 month	3.20%	3.25%	11 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $149,000; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 21 month	3.20%	3.25%	21 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month CD-Certificate of Deposit	3.15%	3.20%	12 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month CD-Certificate of Deposit	3.15%	3.20%	18 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
24 Month CD-Certificate of Deposit	3.15%	3.20%	24 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month CD-Certificate of Deposit	3.10%	3.15%	12 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month CD-Certificate of Deposit	3.10%	3.15%	9 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Featured CD-Certificate of Deposit - 11 month	3.10%	3.15%	11 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999; Good for funds already at FCU and new funds. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
18 Month CD-Certificate of Deposit	3.10%	3.14%	18 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.14% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month CD-Certificate of Deposit	3.06%	3.10%	12 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month CD-Certificate of Deposit	3.06%	3.10%	9 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month CD-Certificate of Deposit	3.01%	3.05%	9 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
12 Month Save To Win CD	2.97%	3.00%	12 months
Min Deposit $25 Details 12 Month CD; Can Add Funds At Anytime; Cannot withdraw until 12 months after date of opening Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month CD-Certificate of Deposit	2.96%	3.00%	6 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
9 Month CD-Certificate of Deposit	2.96%	3.00%	9 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit	2.91%	2.95%	3 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month CD-Certificate of Deposit	2.91%	2.95%	6 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit	2.86%	2.90%	3 Months
Min Balance $150,000 Details Balance: $150,000 - $249,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month CD-Certificate of Deposit	2.86%	2.90%	6 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit	2.81%	2.85%	3 Months
Min Balance $100,000 Details Balance: $100,000 - $149,000 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
6 Month CD-Certificate of Deposit	2.81%	2.85%	6 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit	2.76%	2.80%	3 Months
Min Balance $500 Details Balance: $500 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Savings Rates

Product	Rate	APY
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 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Plus+ Savings Account	2.86%	2.90%
Min Balance $1,000,000 Details Balance: $1,000,000 & Up; Must maintain a minimum daily balance of $500 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Plus+ Savings Account	2.73%	2.77%
Min Balance $500,000 Details Balance: $500,000 - $999,999; Must maintain a minimum daily balance of $500 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.77% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Plus+ Savings Account	2.69%	2.72%
Min Balance $100,000 Details Balance: $100,000 - $499,999; Must maintain a minimum daily balance of $500 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.72% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Plus+ Savings Account	2.44%	2.47%
Min Balance $25,000 Details Balance: $25,000 - $99,999; Must maintain a minimum daily balance of $500 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Plus+ Savings Account	2.35%	2.38%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Must maintain a minimum daily balance of $500 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Plus+ Savings Account	2.31%	2.34%
Min Balance $500 Details Balance: $500 - $9,999; Must maintain a minimum daily balance of $500 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.34% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
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 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
All-In Savings	0.99%	1.00%
Min Balance $100 Details Must maintain a minimum daily balance of $100 to obtain the disclosed APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Savings, Escrow, Club and Birdie Accounts	0.02%	0.02%
Min Balance $100 Details Balance: $100.00 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Savings, Escrow, Club and Birdie Accounts	0.02%	0.02%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Savings, Escrow, Club and Birdie Accounts	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Savings, Escrow, Club and Birdie Accounts	0.02%	0.02%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5 - $9,999; Dividend tier Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Money Market Rates

Product	Rate	APY
Mega Money Market	2.81%	2.85%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	2.67%	2.70%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	2.18%	2.20%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	1.54%	1.55%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	1.44%	1.45%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	1.34%	1.35%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	6.03%	6.20%
Details Qualifications Required: E-statements; minimum of 15 debit card transactions; minimum of one ACH payment or ACH deposit during the qualifying cycle; Tier: $15,000 (6.20% APY, 6.03% div rate); non-qualified accounts earn .01% APY; rates may change at any time Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
5 Star Plus Checking	0.30%	0.30%
Min Balance $20,000 Details Business Checking; Minimum balance to earn interest: $20,000 min. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
4 Star Plus Checking	0.10%	0.10%
Min Balance $1,000 Details Business Checking; Minimum balance to earn interest: $1000 min. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
3 Star Plus Checking	0.05%	0.05%
Min Balance $500 Details Business Checking; Minimum balance to earn interest: $500 min. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
2 Star Plus Checking	0.03%	0.03%
Min Balance $250 Details Business Checking; Minimum balance to earn interest: $250 min. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loan - 10 Year Fixed	-	-	7.00%	10 Year
Details Rate based on $150K loan amount; rate based on 30 day lock Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.38% / low 6.38% Oct 29, 20267.00%▼ from 7.25% Oct 9, 20267.25%▲ from 7.13% Oct 2, 20267.13%▼ from 7.25% Sep 29, 20267.25%▼ from 7.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 15 Year Fixed	-	-	7.00%	15 Year
Details Rate based on $150K loan amount; rate based on 30 day lock Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.38% / low 6.38% Oct 29, 20267.00%▼ from 7.13% Sep 29, 20267.13%▼ from 7.38% Sep 26, 20267.38%▲ from 6.88% Sep 18, 20266.88%▲ from 6.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 20 Year Fixed	-	-	7.125%	20 Year
Details Rate based on $150K loan amount; rate based on 30 day lock Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.50% / low 6.88% Oct 29, 20267.13%▼ from 7.38% Oct 9, 20267.38%▼ from 7.50% Sep 26, 20267.50%▲ from 7.13% Sep 18, 20267.13%▲ from 6.88% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 30 Year Fixed	-	-	7.125%	30 Year
Details Rate based on $150K loan amount; rate based on 30 day lock Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.75% → 7.13% ▲ 0.38 pts · high 7.50% / low 6.75% Oct 29, 20267.13%▼ from 7.38% Oct 2, 20267.38%▼ from 7.50% Sep 26, 20267.50%▲ from 7.00% Sep 18, 20267.00%▲ from 6.75% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 10 Year Construction Loan	-	-	7.375%	10 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 15 Year Construction Loan	-	-	7.375%	15 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 20 Year Construction Loan	-	-	7.50%	20 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 30 Year Construction Loan	-	-	7.75%	30 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 5 Yr. Balloon	-	-	7.75%	5 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loan - 10 Yr. Balloon	-	-	7.85%	10 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Prime Gold Home Equity	-	-	7.00%
Details Rate tied to Prime**; Less than 80% Loan to Value Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75%* Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Prime Plus Gold Home Equity	-	-	7.75%
Details Rate tied to Prime + .75%**; Greater than 80% Loan to Value Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 9, 20267.75%▲ from 7.50%* Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Gold Home Equity	-	-	7.90%
Details Less than 80% Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
MasterCard Gold Home Equity	-	-	7.90%
Details As Low As; equal to or less than 80% LTV Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Gold Home Equity	-	-	8.90%
Details Greater than 80% Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
MasterCard Gold Home Equity	-	-	8.90%
Details As Low As; greater than 80% LTV Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special	4.24%	-	4.48%	48 months
Details As Low As; 48 Month Auto Loan Special applies to 2019 or newer, $145 loan app fee, new to FCU money only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.48% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto Loan - 2025 or newer	5.10%	-	5.26%	75 months
Details As Low As; Model Year: 2025 or newer Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.26% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto Loan - 2024-2022	5.10%	-	5.29%	63 months
Details As Low As; Model Year: 2024-2022 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto Loan - 2021-2019	5.10%	-	5.33%	51 months
Details As Low As; Model Year: 2021-2019 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.33% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto Loan - 2018 and older	5.10%	-	5.39%	39 months
Details As Low As; Model Year: 2018 and older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.39% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto Loan - Antique Auto	7.59%	-	7.82%	63 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.82% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Recreational Vehicle - ATV, Snowmobile, Lawn & Garden, Jet Ski or Trailer Loan	6.90%	7.07%
Details As Low As; Term: Contact Us For Terms; APR based on sample loan amount of $25,000, payable in 120 months; Rates for members outside Michigan add 1% for collateralized loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.07% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Recreational Vehicle - RV, Boat, Travel Trailer or Plane Loan	6.90%	7.07%
Details As Low As; Term: Contact Us For Terms; APR based on sample loan amount of $25,000, payable in 120 months; Rates for members outside Michigan add 1% for collateralized loans Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.07% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Post Deferment Student Loan Refinance	7.00%	-	7.10%	10 years to repay
Details As Low As; APR based on sample loan amount of $30,000; Rate is the annual rate of interest applied to the outstanding loan balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.10% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Gold Home Equity	-	7.90%
Details As Low As; equal to or less than 80% LTV Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
MasterCard Gold Home Equity	-	8.90%
Details As Low As; greater than 80% LTV Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Diamond CashBack Credit Card	-	10.00%
Details As Low As; Earn 2% cash back on all purchases Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Platinum MasterCard	-	12.00%
Details As Low As; Rate tied to Prime + 5.00%; Earn points on each purchase for travel, merchandise or cash Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 12.00% ▲ 4.00 pts · high 12.00% / low 8.00% Oct 9, 202612.00%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Personal Loan Rates

Product	APR	Term
Personal Signature Loan	9.91%	39 Months
Details As Low As; Repayment Option: 39 Months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.91% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Be Happy Personal Loan	9.92%	24 months
Details As Low As; Repayment Option; APR based on sample loan amount of $10,000; new loan money only; 1/4% lower if fully secured Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.92% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Unsecured Home Improvement Loan	9.99%	48 Months
Details As Low As; Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Be Happy Personal Loan	10.20%	12 month
Details As Low As; Repayment Option; APR based on sample loan amount of $10,000; new loan money only; 1/4% lower if fully secured Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.20% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Be Happy Personal Loan	10.48%	36 months
Details As Low As; Repayment Option; APR based on sample loan amount of $10,000; new loan money only; 1/4% lower if fully secured Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.48% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Be Happy Loan	-	-	9.92%	12, 24 or 36 months
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.92% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Driver's Sense-Lease Look Alike Loan	5.10%	-	6.15%	up to 72 months
Details As Low As; Model 5 Years Old & Newer Qualify; Rates for members residing outside of Michigan have 1% added for collateralized loans Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Driving Sense-Lease Look Alike Loan	5.10%	-	6.15%	up to 72 months
Details As Low As; Model: 5 Years Old & Newer Qualify; Loan amount basis $30,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.15% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Education Line of Credit	-	-	8.00%
Details As Low As; Max. Line: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Gold LOC (Line of Credit)	-	-	11.00%
Details As Low As; Rate: Prime + 4% (variable rate); Monthly payment figured on the balance. Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 9, 202611.00%▲ from 10.75% Sep 22, 202610.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Simply Platinum Loan	-	-	8.99%
Details Earn points towards rewards. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Wealth Builder	0.20%	-	0.20%
Min Balance $1,000 Details Balance: $1,000-$99,999; Advertised rate on first $249,999 in balances; No interest if average daily balance is less than $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Wealth Builder	0.15%	-	0.18%
Min Balance $100,000 Details Published APY range: 0.18%-0.20%. Balance: $100,000-$149,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Wealth Builder	0.10%	-	0.15%
Min Balance $150,000 Details Published APY range: 0.15%-0.18%. Balance: $150,000-$249,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Wealth Builder	0.05%	-	0.05%
Min Balance $250,000 Details Published APY range: 0.05%-0.15%. Balance: $250,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Health Savings Checking	0.15%	-	0.15%
Min Balance $0 Details Balance: $0.01 - $999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Health Savings Checking	0.30%	-	0.30%
Min Balance $1,000 Details Balance: $1,000 - $2,499 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Kasasa Saver Savings	2.96%	-	3.00%
Details Balance: up to $50,000; Non-qualified accounts earn .01%APY; Qualifying accounts receive e-statements, do a minimum of 15 debit card purchases of $5 or more and a minimum of one ACH payment or ACH deposit during the Monthly Qualification Cycle Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 3.00% ▼ 2.00 pts · high 5.00% / low 3.00% Oct 13, 20263.00%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Traditional Roth IRA and Coverdell ESA	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Traditional Roth IRA and Coverdell ESA	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Traditional Roth IRA and Coverdell ESA	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Traditional Roth IRA and Coverdell ESA	0.20%	-	0.20%
Min Balance $100,000 Details Balance: $100,000 & Up Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Wealth Builder	0.20%	-	0.20%
Min Balance $100 Details Balance: $100-$9,999; No interest paid if average daily balance is less than $100 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Wealth Builder	0.15%	-	0.16%
Min Balance $10,000 Details Published APY range: 0.16%-0.20%. Balance: $10,000-$49,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Wealth Builder	0.10%	-	0.13%
Min Balance $50,000 Details Published APY range: 0.13%-0.16%. Balance: $50,000-$99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.13% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Wealth Builder	0.05%	-	0.05%
Min Balance $100,000 Details Published APY range: 0.05%-0.13%. Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Frankenmuth Credit Union’s Texas Ratio rose from 5.41% in Q3 2023 to 8.18% in Q2 2026, so its financial health has held steady at a healthy level 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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	8.18%	5.0	A
March 31, 2026	$1.6B	7.43%	5.0	A
December 31, 2025	$1.5B	6.73%	5.0	A
September 30, 2025	$1.5B	7.85%	5.0	A
June 30, 2025	$1.5B	7.07%	5.0	A
March 31, 2025	$1.5B	5.65%	5.0	A+
December 31, 2024	$1.4B	4.80%	5.0	A+
September 30, 2024	$1.4B	4.84%	5.0	A+
June 30, 2024	$1.3B	5.87%	5.0	A+
March 31, 2024	$1.3B	5.45%	5.0	A+
December 31, 2023	$1.3B	5.14%	5.0	A+
September 30, 2023	$1.3B	5.41%	5.0	A+

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

Website https://www.frankenmuthcu.org

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 392

Part-Time Employees 31

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

8.18%

Return on Assets (ROA)

0.6718%

Return on Equity (ROE)

6.7054%

Non-Performing Loans Ratio (NPL)

1.19%

Total Assets

1,586,655,281

Total Amount of Shares and Deposits

1,413,385,195

Total Shares and Deposits < 1 Year

1,373,735,223

Total Shares and Deposits 1 3 Years

37,141,918

Total Shares and Deposits > 3 Years

2,508,054

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

334,182,768

Total Uninsured Shares and Deposits > $250K (F+J)

334,182,768

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,079,202,427

Total Interest Expense (Sum of items 6 8)

13,147,554

Share Certificates

4,985

Number of Accounts for Share Drafts

58,015

IRA KEOGH Accounts

852

Number of Accounts for Regular Shares

95,357

All other shares

35,639

Money Market Shares

625

Net Income (unless the amount is already included in Undivided Earnings)

10,658,794

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)

17,415,119

Total Liabilities

1,427,697,088

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Frankenmuth Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Frankenmuth Credit Union

Does Frankenmuth Credit Union offer CDs?

Yes. Frankenmuth Credit Union current CD rates include its Featured CD-CD of Deposit - 21 month at 3.75% APY, its 60 Month CD-CD of Deposit at 3.70% APY and its Featured CD-CD of Deposit - 11 month at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Frankenmuth Credit Union NCUA insured?

Yes. Frankenmuth Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Frankenmuth Credit Union?

The highest Frankenmuth Credit Union CD rate is its Livestock CD Special - 8 month at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Frankenmuth Credit Union offer?

Frankenmuth Credit Union CD rates are 3.65% APY for an 11 month CD, 3.00% APY for a 12 month CD, 3.14% APY for an 18 month CD, 3.75% APY for a 21 month CD, 3.20% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.55% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Frankenmuth Credit Union for its full lineup.

What is the highest savings rate at Frankenmuth Credit Union?

The highest Frankenmuth Credit Union savings rate is its Youth Save To Win Savings Account at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Frankenmuth Credit Union?

The highest Frankenmuth Credit Union money market rate is its Mega Money Market at 2.85% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Frankenmuth Credit Union?

The highest Frankenmuth Credit Union checking rate is its 5 Star Plus Checking at 0.30% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Frankenmuth Credit Union?

The lowest Frankenmuth Credit Union 30 year fixed mortgage rate is its Mortgage Loan - 30 Year Fixed at 7.125% APR, verified by MonitorBankRates as of October 29, 2026. Frankenmuth Credit Union mortgage rates are 7.125% APR for a 30 year mortgage, 7.125% APR for a 20 year mortgage, 7.00% APR for a 15 year mortgage, 7.00% APR for a 10 year mortgage and 7.75% APR for a 5 year mortgage.

What is the lowest auto loan rate at Frankenmuth Credit Union?

The lowest Frankenmuth Credit Union auto loan rate is its Auto Loan Special at 4.24%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Frankenmuth Credit Union?

The lowest Frankenmuth Credit Union personal loan rate is its Be Happy Personal Loan at 7.49%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Frankenmuth Credit Union?

The lowest Frankenmuth Credit Union credit card APR is its MasterCard Gold Home Equity Credit Card at 7.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Frankenmuth Credit Union rates compare?

Frankenmuth Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A health rating. Frankenmuth Credit Union's top rates are its Livestock CD Special - 8 month at 5.00% APY, its Youth Save To Win Savings Account at 4.00% APY, its Mega Money Market at 2.85% APY, its Kasasa Cash Checking at 6.20% APY, its Mortgage Loan - 10 Year Fixed at 7.00%, its Personal Signature Loan at 9.91% APR and its MasterCard Gold Home Equity Credit Card at 7.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Frankenmuth Credit Union Rates

12-Month CD3.00%
18-Month CD3.14%
24-Month CD3.20%
60-Month CD3.55%
Savings4.00%
MMA2.85%

Retrieved from our database of financial products. Rates subject to change.

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Frankenmuth Credit Union Rates & Review November 2026

Brian McKay

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Frequently Asked Questions About Frankenmuth Credit Union

Does Frankenmuth Credit Union offer CDs?

Are CDs from Frankenmuth Credit Union NCUA insured?

What is the highest CD rate at Frankenmuth Credit Union?

What CD terms does Frankenmuth Credit Union offer?

What is the highest savings rate at Frankenmuth Credit Union?

What is the highest money market rate at Frankenmuth Credit Union?

What is the highest checking rate at Frankenmuth Credit Union?

What is the lowest 30 year fixed mortgage rate at Frankenmuth Credit Union?

What is the lowest auto loan rate at Frankenmuth Credit Union?

What is the lowest personal loan rate at Frankenmuth Credit Union?

What is the lowest credit card APR at Frankenmuth Credit Union?

How many branches does Frankenmuth Credit Union operate?

Is a member application needed to join Frankenmuth Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Frankenmuth Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Frankenmuth Credit Union rates compare?

Current Frankenmuth Credit Union Rates

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