Frank "Muddy" Waters (January 30, 1923 – September 20, 2006) was an American football player and coach.

He was both football and track captain at the Choate School, from which he graduated in 1943, and where he was inducted into the Athletics Hall of Fame in 2004.

His Hillsdale Chargers teams won 34 consecutive games from 1953 to 1957 while participating in the Michigan Intercollegiate Athletic Association.

After leaving Hillsdale with a 138–47–5 record, Waters went on to serve as the first head coach of the Saginaw Valley State University Cardinals from 1975 to 1979, posting a 25–26–2 record and capturing a Great Lakes Intercollegiate Athletic Conference title in his final season.

[1] Despite his firing just before the last game of the season, Waters was popular enough with players and fans to be carried off the field after his final 24–18 loss to Iowa.