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PROSPECTUS Dated Pricing Supplement No. 12
March 1, 1996 Effective July 22, 1996
U.S. $1,000,000,000 Rule 424(b)(3)
Registration Statement
FORD MOTOR CREDIT COMPANY No. 33-62973
VARIABLE DENOMINATION FLOATING
RATE DEMAND NOTES
------------------
Interest Rate Per Annun
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Period Tier One Notes Tier Two Notes Tier Three Notes
Beginning Under $15,000 $15,000-$49,999 $50,000 and over
- --------- -------------- --------------- ----------------
07/22/96 5.03% 5.23% 5.43%
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