FORD MOTOR CREDIT CO, 424B3, 2000-01-20

FORD MOTOR CREDIT CO
424B3, 2000-01-20
PERSONAL CREDIT INSTITUTIONS

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PROSPECTUS Dated                        Pricing Supplement No. 86
April 1, 1998                           Effective January 24, 2000

                   U.S. $1,000,000,000                           Rule 424 (b)(3)
                                                          Registration Statement
                                                                   No. 333-45015
                FORD MOTOR CREDIT COMPANY

             VARIABLE DENOMINATION FLOATING
                   RATE DEMAND NOTES

             - - - - - - - - - - - - - - -


                Interest Rate Per Annum

                - - - - - - - - - - - -


Period      Tier One Notes    Tier Two Notes    Tier Three Notes
Beginning   Under $15,000     $15,000-$49,999   $50,000 and over

- ----------  --------------     ---------------   ----------------
01/24/2000       5.38%             5.58%             5.78%