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Routing Number: 272479663 Swift Code: MSUCUS44
 
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SmartLine Home Equity Loan
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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 8.09% 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.
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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 or visit any MSUFCU branch location.
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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.
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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".
View All FAQs
Reviews
4.97 stars out of 5
43 Member Reviews
5 stars out of 5
(42)
4 stars out of 5
(1)
3 stars out of 5
(0)
2 stars out of 5
(0)
1 stars out of 5
(0)
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 8.09% APR for a term of 60 months would require 60 monthly payments of $20.32 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.


Please read these Rules carefully. By participating in the Win a YETI for Your Boat Sweepstakes, you agree to these official rules and to the results of the sweepstakes, which will be final and binding in all respects.

PROMOTION PERIOD
The Win a YETI for Your Boat Sweepstakes begins at midnight EST 5/1/23 and ends at 11:59 p.m. EST 6/30/23.

ELIGIBILITY
This sweepstakes is open to members of MSUFCU. No purchase or transaction is necessary, nor will a purchase improve an individual's chance of winning, and there is a limit of one entry per individual. Employees and immediate family members of MSUFCU and sweepstakes sponsors, as well as MSUFCU board and committee members and their immediate family members, are not eligible.

WINNER SELECTION/ODDS
Winner(s) will be drawn within 10 business days of 6/30/23 by MSUFCU, whose decision is final. Chances of winning are based on the number of entries received. For example, if 1,000 entries are submitted and there is only one prize, then the chance of winning is 1 in 1,000. Winner(s) will be notified by email or phone and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form. If MSUFCU does not receive the completed release and consent form within 10 calendar days of the date the winner was first called or emailed about their prize, a new winner will be selected. A winners list will be made available upon request for any request submitted within 6 months of the end of the sweepstakes. Please see our contact information below.

HOW TO ENTER
To enter, your MSUFCU boat loan must be approved and the loan disbursed into your MSUFCU account by 6/30/23. Only one entry per participant will be accepted. Alternatively, you may send a 3-inch by 5-inch card with the sweepstakes name and your name, address, phone number, and email address to: MSU Federal Credit Union, ATTN: Win a YETI for Your Boat Sweepstakes, 3777 West Rd., East Lansing, MI 48826-9946.

MSUFCU is not responsible or liable for:
• Lost, late, illegible, mutilated, or misdirected entries,
• Entries not received in time for the selection of the winner,
• Technical hardware or software needed to enter,
• Lost or unavailable network connections that impair or prevent entry, or
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this sweepstakes.

PRIZES AND ACTUAL RETAIL VALUES
The prize is one YETI Tundra Haul cooler, one $75 Dunham's gift card, one $75 Speedway gas card, and various MSUFCU-branded items, with a total retail value of $600. If winner resides within 20 miles of any MSUFCU branch, winner is responsible for picking up prize at nearest MSUFCU branch location at mutually agreed upon time and date. Prizes may not be substituted or transferred except at the discretion of MSUFCU. MSUFCU is not responsible for the winner's receipt or use of the prize, and has neither made nor is in any manner responsible or liable for any warranty, representation, or guarantee, expressed or implied, in fact or in law, relative to the prize including, but not limited to, its quality or availability. YETI, Dunham's, and Speedway are sponsors of this sweepstakes. Liability for any applicable federal, state, or other taxes, or any other costs, will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by MSUFCU.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To all terms and conditions related to this sweepstakes.
• To allow MSUFCU, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are the exclusive property of MSUFCU.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this sweepstakes.


GENERAL CONDITIONS
MSUFCU reserves the right to modify, suspend, and terminate this sweepstakes for any reason, including but not limited to viruses, bugs, nonauthorized human intervention, or other causes beyond the control of MSUFCU, that corrupts or impairs the administration, security, fairness, or intended procedures of the sweepstakes. In case of suspension or termination, a notice will be posted, and, at MSUFCU's discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. MSUFCU reserves the right to disqualify any entrant if it suspects that his/her actions affect the integrity of the sweepstakes or if the entrant fails to remain in good standing with MSUFCU.

MSUFCU maintains the right to change or modify these rules at any time without notice. MSUFCU is not responsible for any typographical or other error in the printing of the offer, administration of the sweepstakes, or in the announcement of any and all prizes.

Any legal challenge to this sweepstakes must be filed within 6 months of the end of the sweepstakes. Such legal challenge will be waived if not filed within such period. Participation in the sweepstakes constitutes a participant's agreement to the 6 month limitation period.

CONTACT INFORMATION
If you have any questions, please contact us at:

MSUFCU Marketing Department | 3777 West Rd., East Lansing, MI 48823 | 800-678-4968


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