Credit union · NCUA insured
Frankenmuth Credit Union
Top CarrotA $1.6B credit union, the 313th largest of 4,329, headquartered in Frankenmuth, MI, with 78,016 members and 32 branches in Michigan. Best rates: CDs 3.75% and savings 2.38% APY.
Frankenmuth Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#6 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Frankenmuth Credit Union
Organized in 1964, Frankenmuth Credit Union is a member-owned, not-for-profit cooperative serving 20 communities with 25 branches across Michigan.
Originally formed by brewery and milling employees, the Frankenmuth, Michigan-based institution converted to a community charter in 1969.
- Headquarters
- 580 N Main St, Frankenmuth, MI 48734
- NCUA charter
- 61755
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in the state of Michigan is eligible to join.
Military, government and schools
- Anyone who was educated in the state of Michigan is eligible to join.
Family and household
- Relatives of a present Frankenmuth Credit Union member are eligible to join.
Branches
32 branches in Michigan
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Michigan
32 branches
Saginaw area · 12
- Main OfficeMain office580 N Main St, Frankenmuth, MI 48734Directions
- Birch Run8131 Main St, Birch Run, MI 48415Directions
- Meijer Drive South Birch Run9430 Meijer South Drive, Birch Run, MI 48415Directions
- Chesaning Branch100 W Broad St, Chesaning, MI 48616Directions
- Freeland Branch111 S Main St, Freeland, MI 48623Directions
- Reese12638 E Washington Rd, Reese, MI 48757Directions
- Bridgeport Branch5540 Dixie Hwy, Saginaw, MI 48601Directions
- Gratiot Meijer8400 Gratiot Rd, Saginaw, MI 48609Directions
- Svrc203 S Washington Ave, Saginaw, MI 48607Directions
- Thomas Township Branch7531 Gratiot Rd, Saginaw, MI 48609Directions
- Tittabawassee Meijer3360 Tittabawassee Rd, Saginaw, MI 48604Directions
- Town & Country2796 Erna Dr, Saginaw, MI 48603Directions
Bay City area · 3
- Bay City Branch800 N Euclid Ave, Bay City, MI 48706Directions
- Essexville Branch3017 Center Ave, Essexville, MI 48732Directions
- Linwood Branch8 S Huron Rd, Linwood, MI 48634Directions
Vassar area · 2
- Vassar602 State Rd, Vassar, MI 48768Directions
- Vassar Downtown113 W Huron Ave, Vassar, MI 48768Directions
Bad Axe area · 1
- Bad Axe710 N Van Dyke Rd, Bad Axe, MI 48413Directions
Caro area · 1
- Caro Branch1060 W Caro Rd, Caro, MI 48723Directions
Cass City area · 1
- Cass City Branch6141 Cass City Rd, Cass City, MI 48726Directions
Elkton area · 1
- Elkton Branch47 N Main St, Elkton, MI 48731Directions
Harbor Beach area · 1
- Harbor Beach8970 Sand Beach Rd, Harbor Beach, MI 48441Directions
Marlette area · 1
- Marlette6541 Plaza Dr, Marlette, MI 48453Directions
Mayville area · 1
- Mayville Office315 E Main St, Mayville, MI 48744Directions
Midland area · 1
- Midland401 S Saginaw Rd, Midland, MI 48640Directions
Millington area · 1
- Millington8234 State Rd, Millington, MI 48746Directions
Flint area · 1
- Otisville Branch410 N State Rd, Otisville, MI 48463Directions
Owosso area · 1
- Owosso Branch2267 E M 21, Owosso, MI 48867Directions
Pigeon area · 1
- Pigeon Branch15 N Caseville Rd, Pigeon, MI 48755Directions
Reese area · 1
- Richville9321 W Sanilac Rd, Reese, MI 48757Directions
Sebewaing area · 1
- Sebewaing Office561 S Beck St, Sebewaing, MI 48759Directions
West Branch area · 1
- West Branch Meijer3691 M-55, West Branch, MI 48661Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.31% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.19% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.37% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio10.31%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.19%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.37%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Frankenmuth Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.