PROSPECTUS Dated Pricing Supplement No. 20
January 6,2000 Effective January 22, 2001
And PROSPECTUS SUPPLEMENT
Dated August 29,2000
U.S. $200,000,000 Rule 424 (B)(3)
Registration Statement
FORD MOTOR CREDIT COMPANY No. 333-91953
FIXED-RATE NOTES
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Interest Rate Per Annum
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Period One Two Three Five Seven Ten
Beginning Year Years Years Years Years Years
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01/15/01 5.50% 5.78% 6.00% 6.43% 6.57% 6.80%