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Routing Number: 272479663
Swift Code: MSUCUS44
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Refinance at MSUFCU
Refinance your existing auto loan, which may help you lower your interest rate, decrease your monthly payment or pay off your car loan sooner.

Rates as low as 7.29% APR
• No application fee
• No prepayment penalties
• Flexible terms up to 84 months

Apply online by clicking the "Add to Wallet" button below, within ComputerLine or the Mobile app, by phone or at a branch.
How do I make payments to my loan?
There are several options available to make loan payments. We offer manual one time payments or automatic payments based on your preference, and you may pay from an internal MSUFCU account or directly from another financial institution. Please note that if you have financed a vehicle through financing through the dealership prior to being a member, you will initially need to login to your new MSUFCU account. Please reach out to a representative for assistance if needed.

Members can choose:

• Internal transfer from an MSUFCU share using MoveMoney > Transfer Money in ComputerLine or the Mobile app. MoveMoney can also be used to schedule reoccurring payments from an MSUFCU savings or checking account.
• Manual one-time payment from an external account which can be initially set up by going to MoveMoney > Manage Preferences > External Transfers/ACH Accounts
• Automatic recurring payments from another financial institution by completing an ACH Origination form which can be located on our website here
• Loan payment by mail.

MSU Federal Credit Union
PO Box 4097
East Lansing, MI 48826-4097

For express mail, please send your payment to:
MSU Federal Credit Union
3777 West Rd.
East Lansing, MI 48823

To find your loan payoff amount please contact us for assistance.
What interest rate do I qualify for? / What interest rate can I get?
You can view our current interest rates here. The term of the loan, and your Experian Credit Score, will affect the interest rate that we will be able to offer. We would be happy to review a full application over the phone at 517-333-2424, by starting a chat with Fran, in an MSUFCU Branch location, or you can apply online when logged into ComputerLine by selecting "Apply for a Loan".
What is Guaranteed Asset Protection (GAP)?
GAP, or Guaranteed Asset Protection, is a service offered by MSUFCU for additional coverage on your vehicle. If elected on an eligible vehicle loan, the $799 GAP fee can be paid in full or added to your loan. In the event that the vehicle is deemed a total loss due to accident or theft, GAP may reduce or eliminate the remaining balance on the loan after the insurance payout has been applied. Additionally, our GAP includes Deductible Assistance. If your vehicle has a comprehensive or collision claim but not deemed a total loss and you have paid your deductible to your primary insurance carrier, Deductible Assistance will cancel the amount of deductible paid, up to $500, on your loan.

If you have any specific questions about any details or costs associated with GAP, please reach out to an MSUFCU Representative.

Click here to learn more.
View All FAQs
APR is Annual Percentage Rate. Rates for vehicle loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member credit score.

Loan Payment Example: The monthly payment per $1,000 borrowed at 7.29% APR for a term of 36 months would require 36 monthly payments of $31.01 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

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