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Advertiser Disclosure
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 Frankfort Community Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
Frankfort Community Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Frankfort Community Federal Credit Union, and you can see how they compare in the Frankfort Community Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Frankfort Community Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.68%. Database rates last updated and verified on 09/23/2026. Frankfort Community Federal 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 Frankfort Community Federal Credit Union? Share your experience about Frankfort Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Frankfort Community Federal Credit Union. Frankfort Community Federal Credit Union
Frankfort Community Federal Credit Union 921 Forest Ave
https://fcfcu.virtualcu.net/ Frankfort, MI 49635 
Current Rate AvailabilityWe're not currently displaying rates for Frankfort Community Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers. Are you with Frankfort Community Federal Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryFrankfort Community Federal Credit Union’s Texas Ratio fell from 23.96% in Q2 2023 to 16.68% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.3 to 4.9 and its Health Grade from B- 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Frankfort Community Federal 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 Frankfort Community Federal 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 Frankfort Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Frankfort Community Federal Credit Union
Website
https://fcfcu.virtualcu.net/
Address
921 Forest Ave,
Frankfort, MI 49635
Phone
231-352-9392
Fax
231-352-9344
President
James Martin
CEO
Coury Carland
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (90/100)
Texas Ratio
16.68%
Return on Assets (ROA)
0.7040%
Return on Equity (ROE)
4.6792%
Non-Performing Loans Ratio (NPL)
4.51%
Total Assets
17,951,810
Total Amount of Shares and Deposits
15,179,533
Total Shares and Deposits < 1 Year
15,179,533
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,792
Total Uninsured Shares and Deposits > $250K (F+J)
1,792
Total Insured Shares and Deposits > $250K (item 17 less item K)
15,177,741
Total Interest Expense (Sum of items 6 8)
13,830
Share Certificates
42
Number of Accounts for Share Drafts
899
Number of Accounts for Regular Shares
2,346
All other shares
147
Net Income (unless the amount is already included in Undivided Earnings)
125,955
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)
2,852,983
Total Liabilities
15,250,725
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Frankfort Community Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Frankfort Community Federal Credit Union
Frequently Asked Questions About Frankfort Community Federal Credit UnionHow many branches does Frankfort Community Federal Credit Union operate?Frankfort Community Federal 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 Frankfort Community Federal Credit Union?Yes, to access services at Frankfort Community Federal 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, Frankfort Community Federal 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, Frankfort Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Frankfort Community Federal Credit Union offer online and mobile banking?Most modern institutions like Frankfort Community Federal 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://fcfcu.virtualcu.net/. Compare to Other Credit Unions
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