Fractionated coconut oil (FCO) is produced by heat rather than cold pressing, and it's a liquid at room temperature. Many like using FCO because it's light, and sinks in quickly. Coconut 76 and 92 just refer to the melting temperature. Obviously coconut 76 melts at 76 degrees Fahrenheit, and 92 melts at 92 degrees Fahrenheit. Depending on your recipe, you can use either one (for example, I use Coconut 92 in my summer scrub because I want to have a higher melting point). Virgin coconut oil is also coconut oil (smells delicious!), but it tends to be more expensive so if you're on a budget, 76 or 92 can be substituted. If a recipe calls for coconut oil in a recipe, you can use either 76, 92 or VCO. FCO will generally be referred to specifically in a recipe. Hope that helps!