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Systematic Savings

Never been able to save but wish you could? Don’t think you could ever save because you are barely making ends meet now. Anyone can save and with our Systematic Savings or Systematic IRA Savings accounts, you can too. How does saving $2,500 over four years sound to you? By saving less than $12 a week you could save roughly $2,500 in four years. And our Systematic Savings accounts give you the tools and discipline to do just that.

  • Free e-statements

  • Free debit card

  • Unlimited check writing

  • $15 minimum deposit to open

  • Add a free Kasasa Saver® savings account to earn high rates of return on the first $100,000

Money Market Account

Money Market Insured Account

For investments starting as small as $1,000 you may take advantage of our Money Market Insured Account. This account pays rates competitive with local brokerage houses plus the added convenient benefit of access to your funds by check, online, in person or by phone.

MEGA Money Market Insured Account

For the savvy investor who has more of a balance and wants a higher return, but still needs to keep their funds liquid, we have the MEGA Money Market Insured Account. Similar to the regular Money Market Insured Account, members have access to their funds by check, online, in person or by ARU phone, or home banking. But unlike the Money Market Account it earns an even higher rate of return. Click here for additional rate information.

Growth Savings Account

Our Growth Savings Accounts* are a great way to earn a premium rate of return without any deposit or withdrawal restrictions!

Introducing Our 4 New Growth Savings Accounts!

I Growth Savings

  • Earn a good rate of return for investment balances starting at $5,000.

II Growth Savings

  • Members with a checking or credit card with Frankenmuth Credit Union may take advantage of this Growth Savings Account and earn an excellent interest rate. For investment balances starting at $25,000.

III Growth Savings

  • For those starting with investment balance of $50,000 here is your chance to take advantage of a top of the market rate with no deposit or withdrawal restrictions. This rate is so good! Members will need a checking or credit card with Frankenmuth Credit Union to take advantage of this account.

IV Growth Savings

  • With this Growth Savings Account you get to take advantage of the best of both worlds. This Growth Savings requires that member to have a checking** with FCU, which is a checking that earns an excellent rate of return already. Then add this account to your portfolio, for the ultimate rate of return on liquid money. For investors starting at $100,000.

*Please note, Growth Savings accounts are not tiered accounts and the rates do not change as balances change. Members must contact FCU and sign a new Truth-In-Savings Disclosure in order to change from one Growth Savings product to another.
**To qualify for a Premier Checking account direct deposit is required.

Kasasa Saver

Save more of everything – money, time, and energy – automatically. Innovative, free Kasasa Saver® works with your equally free Kasasa Cash® or Kasasa Cash Back® checking account. Saving is easy – that is, when you have an account that does the heavy lifting for you. Do you Kasasa

High Yield | Save2Win

Save To Win is like playing the lotto, only better. Here’s how it works:

When you are member of Frankenmuth Credit Union you can open a Save To Win account with only $25. A Save To Win account is similar to a 12 month certificate of deposit (CD), in that you can not withdraw the funds until 12 months have passed from the date of opening. But unlike a CD, you can deposit at any time to Save To Win in any dollar amount AND you can win cash prizes

1.  The more deposits you make to your Save To Win, the more opportunities you have to win cash. For every $25 deposit you earn an entry into the drawings, up to 10 prize entries per month.

2.  Prizes ranging from $15 to $5,000 and will be awarded monthly and quarterly. For a complete list of prizes and rules, click here.

3.  Save To Win at Frankenmuth Credit Union also earns a great rate.

Birdie Account | Youth Savings


At Frankenmuth Credit Union our commitment to our youth is huge. We have accounts such as our Youth Systematic Savings for age 12 and under, which pays out amazing rates. We have programs such as our Birdie B Good Savers Club, which teaches kids 12 and under it is fun to save by giving them a chance to pick out a toy from Birdie’s Treasure Chest once they made ten deposits. We send birthday cards which rewards youth prizes when they bring in their birthday postcard and deposit some of their birthday money. FCU has a partnership with a free online-gaming program called SaveUp, for kids of all ages, which rewards members for paying down debt and saving money.
All these programs are designed to get our young members on the right path to financial success.

Certificate of Deposit

Certificates of Deposits

Want to see your interest really add up? Frankenmuth Credit Union has Certificates of Deposit to meet any investors needs. We have CDs from 3 months to 5 years, and every where in between.

Typically, our Certificates of Deposits earn the highest interest rates of all of our savings products and are an excellent way to watch your money grow. Investment minimum of as little as $500 to start.  Click here for additional rate information.

Ask us about our JUMBO CD’s!

IRA Account

Traditional, Roth or
Coverdell ESA IRAs

Frankenmuth Credit Union offers many different options for those members who are planning for their retirement. We offer the Traditional, Roth and Coverdell IRAs in both a savings account option or in any one of our high rate Certificate of Deposits products.
Click Here for Frankenmuth Credit Union rate information.
For even more investment options…we have the benefit of having our Member Investment Services representatives on staff. On top of FCU’s IRA products, they are also able to offer much more.
DON’T FORGET…IRA money can also be invested into any one of our high rate Certificate of Deposit products also!

Christmas Vacation Club

Need a separate account to save for Christmas or an upcoming exciting vacation get away? Our Christmas and/or Vacation Club accounts are just what you are looking for. There are no minimum balances or deposit requirements. See how quickly weekly deposits will add up and how easily you can reach your savings goal. Click for Savings rate information.

Escrow Account

Need a separate account to save for insurances, taxes, home improvements or any other project or expense you are going to have in the future? Our Escrow account options give the perfect place to save money, separate from your other savings accounts. Click for Savings rate information.

Share Kasasa Get Paid a $25 Amazon Gift Card. Click here for details.