you could use Internet Explorer itself for the job. If you did, it would have to be in this format:

ftp://usernameassword@IP Address (Or Dynamic FTP Address)

EG: say my username is hiroshi, my password is god, and the ftp address is a dynamic FTP Address: gotwoot.net

ftp://hiroshi:god@gotwoot.net

But the best method to access an FTP, and one which pisses people off the least, is to use an FTP Program. FlashFXP is a very good program, and can be downloaded Here. However, this is only a free trial version until you buy it. In which case, you can either pay to use it from then onwards, or use a crack/keygen to unlock it.

I do NOT condone the use of a crack or keygen. Just as a reminder, it's illegal to do such things, but it's entirely your choice. *i'm so paranoid ._.;*

Edit:
It appears that my examples have been translated into FTP links. Please do not click them, they wouldn't take you anywhere, and IE tends to freeze for a while until it's either got a response or timed out from the lack of response if you use it as an FTP program.