PROSPECTUS Dated                                      Pricing Supplement No. 108
June 1, 2000                                             Effective July 31, 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
----------  --------------     ---------------   ----------------
07/31/2000      6.21%              6.41%              6.61%



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