Routing Number: 272479663
Swift Code: MSUCUS44
 
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Certificates
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Certificates
Description
MSUFCU Certificates earn higher, fixed dividends while still receiving up to $250,000 in NCUA insurance on your funds.

Details
• 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 at least $250,000 by the NCUA

1-Year Add-On Certificate
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 to Open
Login to ComputerLine, select Manage from the top menu, and click Add a Certificate under the Create or Modify Accounts section.

Reviews
4.83 stars out of 5
99 Member Reviews
5 stars out of 5
(88)
4 stars out of 5
(7)
3 stars out of 5
(3)
2 stars out of 5
(1)
1 stars out of 5
(0)
Rate this Product
One-Year Add-On
5 stars out of 5
I have been using this certificate for nearly as long as they have offered it. I started it in March, and use it to pay my taxes on the years I owe. When I don't owe, I roll over all but the interest. It's worked out so well, I told my family and friends to try it! Great way to hold on to money when you can't just take it out any time.
Great for saving!
5 stars out of 5
Im so glad i decided to get this certificate. Before i knew it, I had money saved that I couldnt touch and that's the best part.
A new beginning
5 stars out of 5
Saving for a yearly activities
CD
5 stars out of 5
Watching our money grow even if only a little bit at a time. Better rate than a regular savings account & you can add more money to it at any time.
Great Product
5 stars out of 5
Ability to add $10,000 over the course of the year is a great and unique feature.
Disclosures
Certificate rates are fixed for the term of the Certificate at the time the Certificate is opened. Additional deposits may not be made to Certificates other than the 1-Year Add-On Certificate. Up to a total of $10,000 may be added to a member's 1-Year Add-On Certificate(s) each year. However, regardless of the number of 1-Year Add-On Certificates a member may hold, the total of all funds added to the 1-Year Add-On Certificate(s) cannot exceed $10,000 per member, per year. Additional deposits do not change the Certificate's maturity date or rate. The earnings assume that the funds remain on deposit for the term of the Certificate and are compounded monthly.

Early withdrawal penalties:

Terms of one year or less: Penalty is equal to 90 days dividends, based on amount withdrawn.

Terms of more than one year: Penalty is equal to 180 days dividends, based on amount withdrawn. If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover the penalty. Early withdrawal penalties will not be charged in cases of withdrawal due to disability or after death of an owner of the Certificate.

Get FileElectronic Correspondence Disclosure and Agreement Get FileElectronic Funds Transfer Agreement and Disclosure
Get FileFee ScheduleGet FilePrivacy Policy
Get FileMembership and Account Agreement Get FileTruth in Savings Disclosure
Get FileCertificate Disclosure Get FileChildrens Online Privacy Protection Act (COPPA) Get FileeDeposit Services Agreement Get FileNCUA Insurance
Get FileRegulation D Get FileUSA Patriot Act Get FileDocuSign Disclosure Get FileeAlerts Terms and Conditions