Our ComputerLine® Sign-In experience is changing on Wednesday, June 26.

Read More

Open Your Wallet
Routing Number: 272479663
Swift Code: MSUCUS44
Open Your Wallet

Your Wallet

It looks like your wallet is currently empty.
You may be interested in...

Totally Green Checking
Totally Green Checking
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Start to dreamBIG and save more for your future with Certificates from MSUFCU. A Certificate account pays higher dividends than other savings accounts on funds you deposit for a fixed period, helping you save more.

We offer 3-Month, 6-Month, and 1-year add-on certificates as well as longer terms from 18-months to 5 years.

Benefits Include:
• Guaranteed returns -- Cannot lose value unless withdrawn before the end of the term.
• High return rate - Our 18-month Certificate offers 4.10% APY with a $500 minimum deposit. See a full list of Certificate rates here.
• Safe and secure -- Federally insured by the NCUA.

Open a certificate by clicking the Add to Wallet button below, on the Mobile app, by phone or at any branch location.
Watch Your Money Grow
Invest in a 18-Month Certificate at 4.10% APY with a $500 minimum deposit. Click the Add to Wallet button to get started.
More earnings means more savings for you.
Transfer from an external account to an MSUFCU Certificate and save big. Start earning more on your money. Certificates are safe and secure, have no monthly or maintenance fees, and cannot lose value unless withdrawn before the end of the term.
Grow your money on your terms.
With terms from three months to five years, you choose the term that fits with your savings goals. Earn higher, fixed dividends while still receiving up to $250,000 in NCUA insurance on your funds.
All it takes is $50 to get started.
MSUFCU makes it easy to get started. You can add to it when you have more money to save. Additional deposits up to $10,000 may be added to your 1-Year Add-On Certificate.
How much can I add to a 1-Year Add-On Certificate in a year?
1-Year Add-On Certificate may be opened with as little as $50 and allow you to add funds at your convenience. A single member may add up to $10,000 total to the sum of all 1-Year Add-On Certificates per year.

For example, if a member had five (5) 1-Year Add-On Certificates, any combination of amounts up to $10,000 could be added to each certificate, but the total additions to all certificates must not exceed $10,000 per member, per year.

View current Certificate rates.
How do I add a Certificate in the Mobile app?
Log into the MSUFCU Mobile app. While at the home screen of the app, click the icon in the top left corner and follow the steps below.

1. Click Open a Savings or Certificate.
2. Click Open a Certificate.
3. Select which term you'd like for your certificate, the amount to deposit into it, the source of that deposit, and even a name for the certificate.

Once you've done that, simply click Continue to get your certificate officially opened.
How can I access my account?
There are several ways you can access your account:

• Use the MSUFCU Mobile app, ComputerLine®, or MoneyLine for 24-hour account access. Including eDeposit to remotely deposit checks, Member2Member to instantly transfer funds, manage your account and complete transactions, pay bills, set up travel information, lock and unlock cards, find ATMs, and more.

• Use ATMs for deposits and withdrawals. As a member of the CO-OP Network, you have access to nearly 30,000 surcharge-free ATMs across the U.S.

• Visit a Shared Branch to conduct a limited amount of transactions.

• Arrange for direct deposit with your employer directly to your MSUFCU account.

• Your MSUFCU Visa Debit Card can be used for worldwide access to your checking account.

• Contact our Call Center, Chat with Fran, or Video Chat, to receive assistance with setting up online account access, perform a variety of transactions, apply for a new loan, or to receive additional account information.
How are savings account rates determined?
There is one central bank for the United States -- The Federal Reserve, also known as the Fed. One of the many roles of the Federal Reserve is to establish a strong, yet contained economy. The interest rates for loans at financial institutions are influenced by the Federal Reserve's decisions to raise or lower rates.

For example, as the Federal Reserve raises interest rates, consumers are typically charged more in interest to borrow money for loans. Rates rise for auto loans, home loans, credit cards and personal loans. That means the total cost for loans goes up. This often discourages people from borrowing because they don't want to pay a lot of money in interest for a new home, vehicle or any other type of loan.

Financial institutions pay you to keep your money in savings, and other accounts. Dividend or interest rates often increase or decrease in response to changing loan rates. This means if the Federal Reserve raises rates, a loan will usually have a higher interest rate. However, in return, people may receive better rates of return for the money they keep in savings accounts. This often encourages people to save more aggressively because of the potential to earn more on savings.

Typically, the Federal Reserve raises interest rates when the economy is stronger and more people have jobs with the goal of avoiding inflation. The assumption is that people who want loans will be able to afford higher interest rates and are less likely to borrow unnecessary money because it will cost more. Additionally, people will often save more money during this time and create more individual financial stability. Rates will generally be lowered when the economy is slower in an effort to encourage more people to take out loans and spend money.

In summary, when rates are raised or decreased, this impacts both loan and savings rates. Generally, higher rates indicate a stronger economy with the goal of encouraging saving, while lower rates are sign of a weaker economy to help aid spending abilities.
View All FAQs