NOVELTY - A freeze tolerant fuel cell power plant (10) for generating an electrical current, comprises a direct contact heat exchanger by-pass system for directing flow of coolant from a coolant loop through a radiator, and back to the coolant loop by-passing a direct contact heat exchanger.    USE - The invention is for generating an electrical current from hydrogen containing reducing fluid fuel, and oxygen containing oxidant reactant streams (claimed). It is useful for transportation vehicles, portable power plants, or as stationary power plants.    ADVANTAGE - The invention efficiently utilizes a water immiscible purge fluid, and minimizes a volume of water used in cooling the plant.    DETAILED DESCRIPTION - A freeze tolerant fuel cell power plant for generating an electrical current from hydrogen containing reducing fluid fuel and oxygen containing oxidant reactant streams, comprises a fuel cell(s) (12) including a coolant inlet (14), and a coolant outlet for directing a water immiscible fluid and a water coolant to flow through the fuel cell; a coolant loop (18) including a freeze tolerant accumulator (22) secured in fluid communication with the fuel cell coolant outlet, for storing and separating the water immiscible fluid and the water coolant, a direct contact heat exchanger (56) secured in fluid communication with the accumulator and the fuel cell coolant inlet, and a coolant circulating mechanism (21) secured in fluid communication with a coolant passage of the coolant loop for circulating the water immiscible fluid and the water coolant through the coolant loop; a radiator loop (84) including a radiator (86) secured in fluid communication between a water immiscible fluid discharge (91), and water immiscible fluid inlet (90) of the direct contact heat exchanger that removes heat from the water immiscible fluid passing through the radiator, and a radiator pump (92) secured to the radiator loop for circulating the water immiscible fluid through the radiator and direct contact heat exchanger; and a direct contact heat exchanger by-pass system for directing flow of coolant from the coolant loop through the radiator, and back to the coolant loop by-passing the direct contact heat exchanger.    DESCRIPTION OF DRAWING(S) - The figure is a schematic representation of a freeze tolerant fuel cell power plant with a direct contact heat exchanger.    Freeze tolerant fuel cell power plant (10)    Fuel cell (12)    Coolant inlet (14)    Coolant loop (18)    Coolant circulating mechanism (21)    Freeze tolerant accumulator (22)    Direct contact heat exchanger (56)    Direct contact heat exchanger by-pass valve (83)    Radiator loop (84)    Radiator (86)    Water immiscible fluid inlet (90)    Water immiscible fluid discharge (91)    Radiator pump (92)