Frank "Muddy" Waters (January 30, 1923 – September 20, 2006) was an American football player and coach. He served as the head coach at Hillsdale College (1954–1973), Saginaw Valley State University (1975–1979), and Michigan State University (1980–1982), compiling a career college football record of 173–96–7. Waters was inducted into the College Football Hall of Fame as a coach in 2000.

Waters was born in Chico, California and grew up in Wallingford, Connecticut. He attended Pawling School in Pawling, New York. 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. He played fullback for Michigan State from 1946 to 1949 under coaches Charlie Bachman and Clarence Munn.

After leaving MSU's head coach position, Waters continued to live in East Lansing and participated as a member of the MSU community for the next two decades. He was inducted into the College Football Hall of Fame in 2000 in the Small College category. Waters died of congestive heart failure at age 83 in Saginaw, Michigan.