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Credit Cards

Holiday Special-Santa's Helper
Holiday Credit Card Special
5.9%APR* on Balance Transfers

It's time to clean up those high priced credit card balances elsewhere and move those balances to your FCU Credit Card. At rates as low as 5.9%APR*
how could you go wrong? Apply today. 

Apply for a Frankenmuth credit card

*Those with a credit score of 620 or higher with accounts in good standing at FCU may qualify for the 5.9%APR offer for the life of the balance transfer amount. For those with a credit score of 619 or less ma qualify for a rate of 12.9%APR. for the life of the balance transfer amount. Offer may end at any time and must meet FCU normal underwriting guildelines to qualify.

 

MasterCard Benefits

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 cardclick here   

The most common benefits that may be available with your Mastercard include:

  • EXTENDED WARRANTY
  • PRICE PROTECTION
  • PURCHASE ASSURANCE
  • SATISFACTION GUARANTEE
  • Mastercard ID THEFT PROTECTION™
  • ROADSIDE ASSISTANCE
     

To learn about the benefits available with your credit or debit Mastercard, call 1.800.Mastercard (1.800.627.8372) or call/text FCU support center at 989-497-1600 or click the link below.

 card benefitscard benefits

FCU's Simply Platinum MasterCard

  • Low Rate 
  • Earn rewards on each purchase for Travel, Merchandise or Cash
  • No Cash Advance Fee
  • No Annual Fee
  • No Balance Transfer Fee
  • Flexible Repayment Options
  • 24/7 Fraud Monitoring

Apply for a Frankenmuth credit cardapply now

 

 

 

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 for a Frankenmuth credit cardapply now

 

 

 

FCU True Business Credit Card

Apply for a Frankenmuth credit cardapply now

 

 

 

Home Equity Tied Credit Cards-MasterCard

  • 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 for a Frankenmuth credit card

 

 

 

Create Your Own Custom Debit or Credit Card

Add your favorite picture to the front of your debit or credit card. Use the link below to get started.

click hereclick here
For Smartphone Users: look in the Apple or Android App Store for the Frankenmuth Credit Union PMC Mobile app to quickly and easily create your own custom debit, ATM or credit card right from your mobile device. Bring a smile to your face every time you shop and pull out your card with a picture of your favorite pet, kids or whatever image makes your heart sing. Plus, for an extra level of your security you can upload a picture of yourself so every time you shop there is no confusion that you are the one authorized to use your card.

itunesdownload on itunes androidgoogle play

 
FCU's ScoreCard Rewards - For Travel, Merchandise or Cash

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.

click here

NEW! Members can redeem points for cash on all our credit cards on the Score Card Website. Click here.
 

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

MasterCard 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.)

 

Dispute MasterCard Credit-Debit Transaction

 

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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