Ford Interest Advantage
All investment balances earn the same rate.
Investing in Ford Interest Advantage Demand Notes involves certain risks. Review the prospectus to understand the program before investing.
4.50%*
*Yield 4.59%
For the week beginning
September 15, 2025
View Rate History
Invest in Ford Credit With Ford Interest Advantage
Benefits
Discover Ford Interest Advantage Floating Rate Demand Notes from Ford Motor Credit Company. You’ll benefit from an attractive floating rate that pays at least 0.25 percentage points above the average yield of all taxable money market funds, as reported weekly in Money Fund Report®. Receive the same rate and benefits with every investment. To learn more, including terms and important program details, please refer to our prospectus.
Investing with Ford Interest Advantage offers benefits designed to help you reach your financial goals. Explore what makes our program a smart choice:
- Minimum balance requirement of just $1,000
- Fast and secure online enrollment with electronic bank transfers
- Convenient access to your funds online or with our mobile app
- Complimentary checks and unlimited check writing for amounts over $250
- No management fees
- Real-time alerts sent to your email or mobile device
Three Easy Ways to Enroll
You must be 18 years of age and a U.S. Citizen to use the online application process. Ownership types available online include Individual, Joint and Custodial ownership types. Corporate investors and those who want to hold a note in the name of their Trust must apply by mail. Necessary documents for these investment types are located under Program Information and Forms.
Online
Complete Your Application: Follow the steps to verify your bank account by entering the micro deposits and withdrawals sent to your bank.
Phone
Online Access
Our secure online platform gives you convenient 24/7 financial control, allowing you to access and manage your funds quickly from anywhere.
- See detailed views of your note activity, including transaction history
- Schedule transfers 24/7
- Sign up for e-statements
- Self-service external bank profiles
- Use Bill Pay and manage paying your bills online
- Download your transactions to manage your investments
Program Information and Forms
Access all your Ford Interest Advantage forms here.
Program Documents
Ford Employees
Pension Direct Deposit for Ford Retirees is available at myfordbenefits.com or by contacting the NESC call center at 1-800-248-4444.
Changes to Your Note
Processing Fees
For assistance or questions, contact the Investor Center
at 1-800-462-2614 Monday–Friday, 8:30 a.m.–7 p.m. ET.
For assistance or questions, contact the Investor Center at 1-800-462-2614 Monday–Friday, 8:30 a.m.–7 p.m. ET.
Important Disclosure
The Notes issued under the Ford Interest Advantage Program are unsecured debt obligations of Ford Motor Credit Company LLC. They are not insured by the Federal Deposit Insurance Corporation, they are not guaranteed by Ford Motor Company, and they do not constitute a bank account. Ford Interest Advantage is not a money market mutual fund. As an investment in the debt of one company (Ford Credit), the Notes do not meet the diversification or investment quality standards for money market funds set forth in the Investment Company Act of 1940.
The Notes available through Ford Interest Advantage are issued by Ford Motor Credit Company and are offered only in the United States. This Web site does not constitute an offer to sell or a solicitation to invest in the Notes in any jurisdiction in which such offer or solicitation is not authorized, or to any person to whom it is unlawful to make such offer or solicitation in any such jurisdiction. Ford Interest Advantage is intended for non-institutional investors only. U.S. citizens and resident aliens with a U.S. Taxpayer ID (i.e. Social Security number) may apply.
Ford Credit has filed a registration statement (including a prospectus) with the Securities and Exchange Commission relating to the offering of Ford Interest Advantage Notes. Before you invest, you should read the prospectus in the Registration Statement and the other documents Ford Credit has filed with the SEC for more complete information about Ford Credit and the Ford Interest Advantage Note program. The documents may be obtained free of charge through EDGAR on the SEC Website. Alternatively, Ford Credit will send you a prospectus upon request by calling 1-800-462-2614.
Ford Credit — NMLS #3018