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Frankenmuth Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 22, 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.
Frankenmuth Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Frankenmuth Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
7.43%
ExcellentHigher than avg
Frankenmuth Credit Union Texas Ratio
Frankenmuth Credit Union's Texas Ratio is 7.43%, which is considered excellent and is higher than the national average of 6.13%.
Frankenmuth Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.32% to 7.43% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has weakened since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsFor funds new to FCU only. Must use proceeds of livestock sale to open CD.
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsGood for funds already at FCU and new funds.
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsCan Add Funds At Anytime Cannot withdraw until 12 months after date of opening
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsBalance: $250,000 and up
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $150,000 - $249,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $100,000 - $149,000
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsBalance: $500 - $99,999
Last Updated09/22/2026
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
DetailsAges: 17 & Younger; Liquid Savings Account Can Add Funds At Anytime Can Withdraw Funds At Anytime
Last Updated09/22/2026
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
DetailsBalance: $1,000,000 & Up
Last Updated09/22/2026
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
DetailsBalance: $1,000,000 & Up
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Plus+ Savings
2.73%
2.77%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Plus+ Savings Account
2.73%
2.77%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Plus+ Savings
2.69%
2.72%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Plus+ Savings Account
2.69%
2.72%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Plus+ Savings
2.44%
2.47%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Plus+ Savings Account
2.44%
2.47%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Plus+ Savings
2.35%
2.38%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Plus+ Savings Account
2.35%
2.38%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Plus+ Savings
2.31%
2.34%
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Plus+ Savings Account
2.31%
2.34%
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated09/22/2026
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
DetailsLiquid Savings Account Can Add Funds At Anytime Can Withdraw Funds At Anytime
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
All-In Savings
0.99%
1.00%
Min Balance$100
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Liquid Savings Account
-
1.00%
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Savings
0.10%
0.10%
Min Balance$5
DetailsBalance: $5 - $9,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Savings
0.10%
0.10%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Savings
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Savings
0.10%
0.10%
Min Balance$100,000
DetailsBalance: $100,000 & Up
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Reg Savings
0.02%
0.02%
Min Balance$100
DetailsBalance: $100.00 - $9,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Reg Savings
0.02%
0.02%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Reg Savings
0.02%
0.02%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Reg Savings
0.02%
0.02%
Min Balance$100,000
DetailsBalance: $100,000 and up
Last Updated09/22/2026
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
DetailsBalance: $1,000,000 and up
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mega Money Market
2.67%
2.70%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mega Money Market
2.18%
2.20%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mega Money Market
1.54%
1.55%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mega Money Market
1.44%
1.45%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mega Money Market
1.34%
1.35%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated09/22/2026
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
DetailsMinimum balance to earn interest
Last Updated09/22/2026
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
DetailsMinimum balance to earn interest
Last Updated09/22/2026
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
DetailsMinimum balance to earn interest
Last Updated09/22/2026
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
DetailsMinimum balance to earn interest
Last Updated09/22/2026
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
DetailsRate 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mortgage Loans - 15 Year Fixed
-
-
6.88%
15 Year
DetailsRate 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Mortgage Loans - 20 Year Fixed
-
-
7.13%
20 Year
DetailsRate 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 Updated09/22/2026
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%
DetailsHELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Prime Gold Home Equity
-
-
6.75%
Detailsequal to or less than 80% LTV, Prime 4.00% floor of 4.00%; Rate tied to Prime
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Prime Plus Gold Home Equity
-
-
7.50%
Detailsgreater than 80% LTV, Prime 4.00%, floor of 4.00%; Rate tied to Prime + .75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Gold Home Equity
-
-
7.90%
DetailsLess than 80% Loan to Value
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
MasterCard Gold Home Equity
-
-
7.90%
Detailsequal to or less than 80% LTV
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Gold Home Equity
-
-
8.90%
DetailsGreater than 80% Loan to Value
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
MasterCard Gold Home Equity
-
-
8.90%
Detailsgreater than 80% LTV
Last Updated09/22/2026
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
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Auto - 2025 or newer Loan
5.10%
-
5.26%
75 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Auto - 2024-2022 Loan
5.10%
-
5.29%
63 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Auto - 2021-2019 Loan
5.10%
-
5.33%
51 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Auto - 2018 and older Loan
5.10%
-
5.39%
39 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Antique Auto
7.59%
-
7.82%
63 months
DetailsAs Low As
Last Updated09/22/2026
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
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Motorcycle Loan - 2024-2022
5.10%
5.29%
63 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Motorcycle Loan - 2021-2019
5.10%
5.33%
51 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Motorcycle Loan - 2018 and older
5.10%
5.39%
39 months
DetailsAs Low As
Last Updated09/22/2026
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%
DetailsAs Low As; As Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
RV, Boat, Travel Trailer or Plane Loan
6.90%
7.07%
DetailsAs Low As; As Low As
Last Updated09/22/2026
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
DetailsAs Low As
Last Updated09/22/2026
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%
Detailsequal to or less than 80% LTV
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
MasterCard Gold Home Equity
-
8.90%
Detailsgreater than 80% LTV
Last Updated09/22/2026
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
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Be Happy Personal Loan
9.92%
24 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Unsecured Home Improvement Loan
9.99%
48 Months
DetailsAs Low As; Contact Us
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Be Happy Personal Loan
10.20%
12 month
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Be Happy Personal Loan
10.48%
36 months
DetailsAs Low As
Last Updated09/22/2026
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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
10 Yr. Balloon Loan
-
-
7.60%
10 Yr.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
15 Year Construction Loan
-
-
7.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
20 Year Construction Loan
-
-
7.38%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
30 Year Construction Loan
-
-
7.50%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
5 Yr. Balloon Loan
-
-
7.50%
5 Yr.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Be Happy Loan
-
-
9.92%
12, 24 or 36 months
DetailsAs Low As; 90 Days No PAY!
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Business Platinum Loan
-
-
11.75%
DetailsRate tied to Prime + 5.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Diamond Card Loan
-
-
6.90%
DetailsThose 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Diamond CashBack Loan
-
-
10.00%
DetailsAs Low As; Earn 2% cash back on all purchases
Last Updated09/22/2026
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
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Education Line of Credit
-
-
8.00%
DetailsMaximum Dollar Amount: $50,000 Max. Line
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Education Line of Credit
-
-
4.99%
DetailsRates 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Gold LOC (Line of Credit)
-
-
10.75%
DetailsTerm: Monthly payment figured on the balance.; As Low As
Last Updated09/22/2026
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
Detailsas low as
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Rural Development Loan
-
-
6.88%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.43%
Simply Platinum Card Loan
-
-
6.90%
DetailsThose 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.
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.
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
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+
June 30, 2023
$1.3B
4.32%
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.
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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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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.