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Routing Number: 272479663 Swift Code: MSUCUS44
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Boat Loan at MSUFCU
Whether you're looking for a new or used boat, our boat loan offers low rates and flexible terms.

Rates as low as 7.54% APR
• No application fee
• No down payment
• No prepayment penalties
• Flexible terms up to 180 months

Apply for your Boat Loan online by clicking the "Add to Wallet" button below, within ComputerLine or the Mobile app, by phone or at a branch.
Step #1 - Find Your Boat
Search new or used boats, see what others paid for the same boat in your area, and see how much you could save with MSUFCU.
Step #2 - Apply
Apply for you Boat Loan online by clicking the "Add to Wallet" button above, within ComputerLine or the Mobile app, by phone or at a branch.
Step #3 - Get a Decision Fast
Applications can be reviewed in as little as 20 minutes. Receive your approval and head to the dealership to get your boat.
How do I apply for a boat loan?
Applications can be submitted online by logging into your account via ComputerLine and selecting "Apply for a Loan". You are also welcome to contact us over the phone at 517-333-2424, contact us via Live Chat, or visit any MSUFCU branch location.
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. Loan payments should be mailed to:

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, via Live Chat, in an MSUFCU Branch location, or you can apply online when logged into ComputerLine by selecting "Apply for a Loan".
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4.97 stars out of 5
42 Member Reviews
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Rate this Product
Love it!
5 stars out of 5
Great loan!
5 stars out of 5
MSU Federal Credit Union has always been there to help us. We can always count on them for the best rates and terms. They constantly beat all other Lenders.
4 stars out of 5
Interest rate needs to be more competitive.
Great Rate for a used boat
5 stars out of 5
MSUFCU makes the process simple and provides low rates. Thanks MSU credit union
Boats, motorhomes, 5th wheelers, travel trailers, and campers are all considered recreational vehicles.

APR is annual percentage rate. Rates for RV and boat 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 7.54% APR for a term of 60 months would require 60 monthly payments of $20.06 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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