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Credit Cards

A credit card is a credit card, right? Not really. Sure those national big bank and merchant tied credit cards might look great as they pump millions of dollars and big name actors to promote their cards, but did you know your local hometown financial solution offers credit cards even better than the big banks, plus your dollars stay local?

Apply for a Frankenmuth credit card

MasterCard Credit Card Special 4.9%APR

4.9%APR* on Balance Transfers
4.9%APR* on New Credit Card Purchases for New FCU Credit Card Accounts

from now through January 31, 2017. 620 Credit Score or higher.

*For Frankenmuth Credit Union brand new Simply Platinum or Diamond Cashback credit card account holders from October 11, 2016 through January 31, 2017 qualify to receive purchases at 4.9%APR for 12 months. From October 11, 2016 to January 31, 2017 FCU members with an FCU consumer credit card in good standing may qualify for balance transfers of 4.9%APR for the life of that balance. This offer is only available for FCU members that are current and have not caused FCU a loss. New cards must meet FCU’s normal underwriting guidelines to qualify. Home Equity tied credit cards or business credit cards do not qualify for this offer. Members with scores of 619 or less qualify for a promotional rate of 10.9%APR for the balance transfers and purchases during promotional periods listed above.

Apply for a Frankenmuth credit card

FCU's Simply Platinum MasterCard

  • Low Rate 
  • Earn rewards on each purchase for Travel, Merchandise or Cash - Coming this fall: watch for our new rewards program!
  • No Cash Advance Fee
  • No Annual Fee
  • No Balance Transfer Fee
  • Flexible Repayment Options
  • 24/7 Fraud Monitoring
  • Apply Today

Simply Platinum
Effective Date: Sunday, March 26th, 2017
*APRBenefits to You
as low as 7.99% Earn points towards rewards.
Nice low rate and the option of receiving travel, merchandise and cash rewards.

 

FCU's Diamond CashBack MasterCard

  • Low Rate
  • Earn 1.5% CashBack on all Purchases
  • No Cash Advance Fee
  • No Annual Fee*
  • No Balance Transfer Fee
  • Flexible Repayment Option
  • 24/7 Fraud Monitoring
  • Apply Today

Diamond 1.5% CashBack MasterCard
Effective Date: Sunday, March 26th, 2017
*APRBenefits to You
10% 1.5% Cash Back
Earn 1.5% cash back on all purchases. 650 or higher credit score to qualify. No annual fee if you spend at least $10,000 on this card in 12 month period.

*A $49 annual fee will be charged if cardholder does not spend at least $10,000 with this card in a 12 month period.

 

FCU True Business Credit Card

 

Business Platinum
Effective Date: Sunday, March 26th, 2017
*APRBenefits to You
Prime + 5% (floor of 8%) Earn points on each purchase for travel, merchandise or cash.
Great product for businesses if you need one card or one for each of your employees.

 

Home Equity Tied Credit Cards

  • You choose a low variable rate tied to Prime or our competitive fixed rate
  • Interest paid maybe tax deductible
  • No Cash Advance Fee
  • No Annual Fee
  • No Balance Transfer Fee
  • Flexible Repayment Option
  • 24/7 Fraud Monitoring
  • Apply Today

Prime MasterCard Gold
Effective Date: Sunday, March 26th, 2017
Name*APR
Prime MasterCard Gold 4.25%
Rate tied to Prime + .75%. *APR = Annual Percentage Rate

Gold Home Equity
Effective Date: Sunday, March 26th, 2017
Name*APR
VISA Gold Home Equity 7.90% or 8.90%
*APR = Annual Percentage Rate

 
FCU's ScoreCard Rewards - For Travel, Merchandise or Cash! - Coming this Fall: watch for our new rewards program!

With our ScoreCard rewards, you earn points toward travel, merchandise or cash with every purchase you charge. Plus, every time you decide to redeem points, you have the flexibility of choosing what you will redeem for; this month you can redeem for cash, two years from now you could redeem for travel, and the time after that you can redeem for merchandise. It's all up to you when and what you would like to redeem for. Plus, with FCU's ScoreCard rewards, you accumulate your points for up to five years.

Redeem ScoreCard Reward points for travel or merchandise.
To redeem points for cash, please Contact Us at ccenter@frankenmuthcu.org or (989)497-1600. See below for examples of how our cash redemption works.

See below for examples of how our cash redemption works.

Consumer Simply Platinum Cards

  • 5,000 points $25
  • 10,000 points $75
  • 15,000 points $125
  • 20,000 points $175
  • 25,000 points $235

Visa Business Platinum

  • 15,000 points $150
  • 20,000 points $200
  • 25,000 points $250

*Contact Frankenmuth Credit Union.  Restrictions apply, contact us for more information.

 

LOST OR STOLEN CARDS

  • Lost or Stolen Frankenmuth Credit Union Debit or Credit Card? Call 1.888.241.2510 (inside U.S.) or 1.909.941.1398 (outside U.S.)
  • Traveling and your credit card has been blocked?  Call 1.888.241.2440
  • Traveling and your debit card has been blocked?  Call 1.888.241.2440

 

Frankenmuth Credit Union offers MasterCard debit and credit cards and Visa pre-paid debit cards

FCU's Verified by Visa   FCU's MasterCard Secure Code

Protect yourself when you shop on-line by registering your FCU Visa card by clicking here for Verified by Visa or your FCU MasterCard by clicking here for MasterCard SecureCode. It's another level of security to protect yourself from identity theft.

Credit Card Rate, Fee and Other Cost Information

  Simply Platinum MasterCard Diamond CashBack MasterCard Gold Home Equity Prime
Gold Home Equity
Business Platinum
*APR for Purchase 7.99% - 18.99%** 10% APR 7.9% (up to 80% LTV) - or 8.9% (81-100% LTV) Prime+.75%*** Prime + 5% (floor of 8%)
*APR for Cash Advances & Balance Transfers 7.99% - 18.99%** 10% APR 7.9% (up to 80% LTV) - or 8.9% (81-100% LTV) Prime+.75%*** Prime + 5% (floor of 8%)
Annual Membership Fee None None unless you don’t use your card to purchase at least $10,000 in 12 months - $49 None None None
Late Payment Fee $25 $25 $30 $30 $25
Cash Advance Fee None None None None None
Balance Transfer Fee None None None None None
Grace Period for Purchase 28 Days** 28 Days** 28 Days** 28 Days** 28 Days**
Method of Computing the Balance for Purchase Avg. Balance Including New Purchases** Avg. Balance Including New Purchases** Avg. Balance Including New Purchases** Avg. Balance Including New Purchases** Avg. Balance Including New Purchases**
Foreign Currency Transaction Fee Involving Currency Conversion 1% of transaction 1% of transaction 1% of transaction 1% of transaction 1% of transaction
  *APR = Annual Percentage Rate **A finance charge will be imposed on credit purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 28 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 28-day period, a finance charge will be imposed on the unpaid average daily balance of such credit purchases from the previous statement closing date and on new credit purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle proceeding the date on which the entire new balance is paid in full or the date of payment if more than 28 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of credit purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the outstanding unpaid balance of credit purchases at the beginning of the billing cycle any new credit purchases posted to your account, and subtracting any payments as received or as credit is posted to your account, but excluding any unpaid finance charges. A finance charge will be imposed on cash advances from the date made or from the first day of the billing cycle in which the cash advance is posted to your account, which ever is later, any will continue to accrue until the date of the payment.**Your rate is determined by your credit score at time of application. ***Rate of Prime, with a floor of 4.00%APR. A card replacement fee maybe imposed.  

 

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