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%

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Frankenmuth Credit Union

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Frankenmuth Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Frankenmuth Credit Union's top rates as of October 9, 2026 are 5.00% APY on its Livestock CD Special - 8 month, 4.00% APY on savings, 2.85% APY on money market accounts, 0.30% APY on checking, 7.12% on its 15 Year Fixed mortgage, personal loans from 9.91% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Frankenmuth Credit Union CD rates include 21 Month CD at 3.75%, 60 Month CD-CD of Deposit at 3.70%, and 11 Month CD at 3.65%. Other Frankenmuth Credit Union mortgage rates include Mortgage Loans - 10 Year Fixed at 7.25%, Mortgage Loans - 20 Year Fixed at 7.38%, and Mortgage Loans - 30 Year Fixed at 7.38%. 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 10/09/2026.

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 Q2 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. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
21 Month Certificate	3.69%	3.75%	21 Months
Min Deposit $250,000 Min Balance $250,000 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
60 Month CD-Certificate of Deposit	3.54%	3.70%	60 Months
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Certificate	3.59%	3.65%	11 Months
Min Deposit $250,000 Min Balance $250,000 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.65% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
21 Month Certificate	3.49%	3.55%	21 Months
Min Deposit $150,000 Min Balance $150,000 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Certificate	3.40%	3.45%	11 Months
Min Deposit $150,000 Min Balance $150,000 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
21 Month Certificate	3.30%	3.35%	21 Months
Min Deposit $100,000 Min Balance $100,000 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.31% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.31% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Certificate	3.20%	3.25%	11 Months
Min Deposit $100,000 Min Balance $100,000 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
21 Month Certificate	3.20%	3.25%	21 Months
Min Deposit $500 Min Balance $500 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
11 Month Certificate	3.10%	3.15%	11 Months
Min Deposit $500 Min Balance $500 Details Good for funds already at FCU and new funds. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.15% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.15% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.14% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.05% APY · checked 5 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 Month
Min Deposit $25 Details Can Add Funds At Anytime Cannot withdraw until 12 months after date of opening Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.95% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.95% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.90% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.90% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 5 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 10/09/2026 Rate History No change since Sep 22, 2026 · 2.80% APY · checked 5 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 Liquid Savings Account Can Add Funds At Anytime Can Withdraw Funds At Anytime Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.77% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.72% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.34% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
All-In High Yield Savings	-	1.00%
Details Liquid Savings Account-1%APY* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
All-In Savings	0.99%	1.00%
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 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 Max Balance: $9,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.02% APY 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 Max Balance: $24,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.02% APY 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 Max Balance: $99,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.02% APY 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 Max Balance: and up Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Business Savings Rates

Product	Rate	APY
Business Plus+ Savings	2.86%	2.90%
Min Balance $1,000,000 Details Balance: $1,000,000 & Up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Plus+ Savings	2.73%	2.77%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.77% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Plus+ Savings	2.69%	2.72%
Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.72% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Plus+ Savings	2.44%	2.47%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Plus+ Savings	2.35%	2.38%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Plus+ Savings	2.31%	2.34%
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.34% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Savings	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 & Up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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 Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	2.67%	2.70%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	2.18%	2.20%
Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	1.54%	1.55%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	1.44%	1.45%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mega Money Market	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%

Frankenmuth Credit Union Business Checking Rates

Product	Rate	APY
Business 5 Star Plus Checking	0.30%	0.30%
Min Balance $20,000 Details Balance: Minimum balance to earn interest Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business 4 Star Plus Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: Minimum balance to earn interest Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business 3 Star Plus Checking	0.05%	0.05%
Min Balance $500 Details Balance: Minimum balance to earn interest Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business 2 Star Plus Checking	0.03%	0.03%
Min Balance $250 Details Balance: Minimum balance to earn interest Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 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 Loans - 15 Year Fixed	-	-	7.125%	15 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.38% → 7.13% ▲ 0.75 pts · high 7.38% / low 6.38% Sep 29, 20267.13%▼ from 7.38% Sep 26, 20267.38%▲ from 6.88% Sep 18, 20266.88%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loans - 10 Year Fixed	-	-	7.25%	10 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.38% → 7.25% ▲ 0.88 pts · high 7.38% / low 6.38% Oct 9, 20267.25%▲ from 7.13% Oct 2, 20267.13%▼ from 7.25% Sep 29, 20267.25%▼ from 7.38% Sep 26, 20267.38%▲ from 6.88% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loans - 20 Year Fixed	-	-	7.375%	20 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.88% → 7.38% ▲ 0.50 pts · high 7.50% / low 6.88% Oct 9, 20267.38%▼ from 7.50% Sep 26, 20267.50%▲ from 7.13% Sep 18, 20267.13%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Mortgage Loans - 30 Year Fixed	-	-	7.375%	30 Year
Details Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.75% → 7.38% ▲ 0.63 pts · high 7.50% / low 6.75% Oct 2, 20267.38%▼ from 7.50% Sep 26, 20267.50%▲ from 7.00% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded 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 equal to or less than 80% LTV, Prime 4.00% floor of 4.00%; Rate tied to Prime Last Updated 10/09/2026 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 greater than 80% LTV, Prime 4.00%, floor of 4.00%; Rate tied to Prime + .75% Last Updated 10/09/2026 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; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
MasterCard Gold Home Equity	-	-	7.90%
Details equal to or less than 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 7 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; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
MasterCard Gold Home Equity	-	-	8.90%
Details greater than 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 7 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 *** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.48% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto - 2025 or newer Loan	5.10%	-	5.26%	75 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.26% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto - 2024-2022 Loan	5.10%	-	5.29%	63 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto - 2021-2019 Loan	5.10%	-	5.33%	51 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.33% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Auto - 2018 and older Loan	5.10%	-	5.39%	39 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.39% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Antique Auto	7.59%	-	7.82%	63 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.82% APR · checked 7 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	Term
Motorcycle Loan	5.10%	5.26%	75 months
Details As Low As; 2025 or newer Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Motorcycle Loan	5.10%	5.29%	63 months
Details As Low As; 2024-2022 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Motorcycle Loan	5.10%	5.33%	51 months
Details As Low As; 2021-2019 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.33% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Motorcycle Loan	5.10%	5.39%	39 months
Details As Low As; 2018 and older Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
ATV, Snowmobile, Lawn & Garden, Jet Ski or Trailer Loan	6.90%	7.07%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.07% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
RV, Boat, Travel Trailer or Plane Loan	6.90%	7.07%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.07% APR · checked 5 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.10% APR · checked 7 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 equal to or less than 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
MasterCard Gold Home Equity	-	8.90%
Details greater than 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Business Platinum MasterCard	-	12.00%
Details Rate tied to Prime + 5.00%; Earn points on each purchase for travel, merchandise or cash Last Updated 10/09/2026 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%
Diamond Mastercard	-	17.00%
Details 2.0% cash back on all purchases. 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. *Loan rates and approval subject to credit score and analysis. Equal opportunity lender. For HELOC no fees charged up front. All fees are due at closing and range from $810 to $3,111. Items that can affect the amount of your costs are the dollar amount of the mortgage and number of people on the loan. All fees are disclosed at time of application and can be more than this disclosed range if there is more than two borrowers on the loan or other extenuating circumstances. As part of the closing procedures Frankenmuth Credit Union will acquire a security interest in the property. Draws are allowed for 20 years or as long as the account remains open and member is in good standing. Payment is calculated on 1% of the balance or $25, whichever is greater. HELOC rates are variable and based on the current index margin; rate floor is 4.00%APR and will not exceed 25%APR. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 17.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Consumer MasterCard Credit Cards	-	19.99%
Details Intro/promo APR: 6.90%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%. APR=Annual Percentage Rate. Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approved. Contact FCU for more information. Offer may end at any time and must meet FCU normal underwriting guidelines to qualify. Simply Platinum Card: Those with a credit score of 636 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance transfer amount. For those with a credit score of 635 or less, may qualify for a rate of 12.9%APR for the life of the balance transfer amount. Brand new Simply Platinum cards will receive the promotion rate of 6.9%APR for credit scores 636 or higher or 12.9%APR for credit scores 635 or lower on brand-new purchases for 12 months. Diamond Card: Those with a credit score of 550 or higher with accounts in good standing at FCU may qualify for the 6.9%APR offer for the life of the balance tran Last Updated 10/09/2026 Rate History 1 change since Sep 26, 2026 · 6.90% → 19.99% ▲ 13.09 pts · high 19.99% / low 6.90% Oct 9, 202619.99%▲ from 6.90% Sep 26, 20266.90%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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.91% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.92% APR · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.20% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.48% APR · checked 7 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
10 Year Construction Loan	-	-	7.50%	10 Year
Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.63% → 7.50% ▲ 0.88 pts · high 7.63% / low 6.63% Oct 9, 20267.50%▼ from 7.63% Oct 2, 20267.63%▲ from 7.50% Sep 26, 20267.50%▲ from 7.00% Sep 18, 20267.00%▲ from 6.63% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
10 Yr. Balloon Loan	-	-	8.225%	10 years
Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.35% → 8.23% ▲ 0.88 pts · high 8.23% / low 7.35% Oct 9, 20268.23%▲ from 7.98% Sep 29, 20267.98%▲ from 7.60% Sep 22, 20267.60%▲ from 7.35% Sep 14, 20267.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
15 Year Construction Loan	-	-	7.625%	15 Year
Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 6.88% → 7.63% ▲ 0.75 pts · high 7.75% / low 6.88% Oct 9, 20267.63%▼ from 7.75% Oct 2, 20267.75%▲ from 7.63% Sep 26, 20267.63%▲ from 7.13% Sep 18, 20267.13%▲ from 6.88% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
20 Year Construction Loan	-	-	7.75%	20 Year
Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.13% → 7.75% ▲ 0.63 pts · high 7.88% / low 7.13% Oct 9, 20267.75%▼ from 7.88% Oct 2, 20267.88%▲ from 7.75% Sep 29, 20267.75%▲ from 7.63% Sep 26, 20267.63%▲ from 7.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
30 Year Construction Loan	-	-	7.875%	30 Year
Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 7.25% → 7.88% ▲ 0.63 pts · high 8.13% / low 7.25% Oct 9, 20267.88%▼ from 8.13% Oct 2, 20268.13%▲ from 7.88% Sep 29, 20267.88%▲ from 7.75% Sep 26, 20267.75%▲ from 7.50% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
5 Yr. Balloon Loan	-	-	8.125%	5 years
Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 8.13% ▲ 0.88 pts · high 8.13% / low 7.25% Oct 9, 20268.13%▲ from 7.88% Sep 29, 20267.88%▲ from 7.50% Sep 22, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Be Happy Loan	-	-	9.92%	12, 24 or 36 months
Details best loan rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.92% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Diamond CashBack Loan	-	-	10.00%
Details Earn 2% cash back on all purchases; As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Driver's Sense-Lease Look Alike - Model 5 Years Old & Newer Qualify Loan	5.10%	-	6.15%	up to 72 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.15% APR 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
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Education Line of Credit	-	-	8.00%
Details As Low As; $50,000 Max. Line Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Education Line of Credit	-	-	4.99%
Details As Low As; Rates may change at any time. Must meet FCU's normal underwriting qualifications to be approve. Contact FCU for more information. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Gold LOC (Line of Credit)	-	-	11.00%
Details Prime + 4% (variable rate); Monthly payment figured on the balance. Last Updated 10/09/2026 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%
Rural Development Loan	-	-	7.375%
Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.63% → 7.38% ▲ 0.75 pts · high 7.38% / low 6.63% Oct 9, 20267.38%▲ from 7.25% Sep 26, 20267.25%▲ from 6.88% Sep 18, 20266.88%▲ from 6.63% Sep 14, 20266.63%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.; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 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: .18%-.20%. Balance: $100,000-$149,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 7 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: .15%-.18%. Balance: $150,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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: .05%-.15%. Balance: $250,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Health Savings Checking	0.30%	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Health Savings Checking	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000 and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.18%
Kasasa Saver Savings	2.96%	-	3.00%
Min Balance $50,000 Details Non-qualified accounts earn .01%APY Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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: .16%-.20%. Balance: $10,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.16% APY · checked 6 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: .13%-.16%. Balance: $50,000-$99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.13% APY · checked 6 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: .05%-.13%. Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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

Q2 2026 MBR Health & Safety Badge

Frankenmuth Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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%
Savings4.00%
MMA2.85%

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

Compare to Other Credit Unions

Frankenmuth Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Frankenmuth Credit Union Texas Ratio

Frankenmuth Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Frankenmuth Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current Frankenmuth Credit Union Rates

Compare to Other Credit Unions