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
Certificates
MSUFCU Certificates earn higher, fixed dividends while still receiving up to $250,000 in NCUA insurance on your funds. We offer 3, 6, 13-23 month, and 1-year add-on certificates. As well as 2, 3, 4, and 5 year certificates. Visit our rates page for a full list of certificate terms.

• No monthly or maintenance fees
• Open a Certificate with as little as $50 for a 1-Year Add-On Certificate or $500 for all other terms
•Flexible terms to suit your savings needs
•Funds are insured for up to $250,000 by the NCUA
• 24/7 account access via ComputerLine, MoneyLine, the mobile app, and CO-OP Network ATMs

Open a certificate by clicking the Add to Wallet button below, on the Mobile app, by phone or at any branch location.
+
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.
+
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, Live Chat, or Video Chat, where they can can help you perform a variety of transactions, apply for a new loan, and provide assistance and information.
+
Who controls the rates of savings accounts?
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