PROSPECTUS Dated Pricing Supplement No. 85
April 1, 1998 Effective January 17, 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
- ---------- -------------- --------------- ----------------
01/17/2000 5.39% 5.59% 5.79%