PROSPECTUS Dated                        Pricing Supplement No. 89
April 1, 1998                           Effective February 14, 2000

                   U.S. $1,000,000,000                           Rule 424 (b)(3)
                                                          Registration Statement

                FORD MOTOR CREDIT COMPANY                         No. 333-45015

             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

- ----------  --------------     ---------------   ----------------
02/14/2000       5.42%             5.62%              5.82%



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