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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Totally Green Checking
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SmartLine Home Equity Loan
SmartLine Home Equity Loan
Construction Loan
Planning to build your ideal home? Work with your builder to fine-tune the plans, pick the colors, and trims - we'll help with the financing. MSUFCU Construction Loan allows up to five draws and interest only payments during the draw period (up to 12 months from the loan origination date).

Rates as low as 6.875%
• Fixed or variable interest rate with 10, 15, 20, 25, or 30-year terms.
• 20% down payment required, less the equity of a borrower-owned lot
• Loan amounts up to $3,000,000

To apply, click the Apply Now button below or contact the Mortgage Department directly at 517-333-2424.
Affiliated
Moves
Earn Cash-Back Rewards on the purchase or sale of your home with Affiliated Moves.
Apply in the Mobile app
On-the-go? With just a few taps of your finger, you can apply for a loan from anywhere with our mobile app.
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What is the difference between a fixed-rate and adjustable-rate mortgage (ARM), and which one should I choose?
The difference between a fixed rate and an adjustable rate mortgage is that, for fixed rates the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down.

With our Conventional Fixed-Rate Mortgage you can select from 10, 15, 20, 25 and 30-year terms with a fixed rate for the length of the loan. A down payment of at least 3% is required.

With our Adjustable-Rate Mortgage your home loan will be at a lower rate for the first 3 to 5 years. Adjustable-Rate Mortgages are perfect for short-term home ownership, large payments towards the loan in the first few years, or for members simply looking to save money with a lower fixed rate for the first 3 to 5 years. Select from 7-1, 5-1, 3-1, and 5-5 ARMs for a 30-year term. The monthly payments are based on a 30-year amortization, and can change throughout the life of the loan. After the initial term, the interest rate adjusts higher or lower based on the 1 year US Treasury market. The rate changes are limited to an increase or decrease of up to 2% at each annual adjustment, and subject to both a minimum rate (floor) and maximum rate (ceiling) over the life of the loan. Our Mortgage Loan Officers can help you identify which option may be best for you.
View All FAQs
Get FileElectronic Correspondence Disclosure and Agreement Get FileMulti-Featured Loan Agreement
Get FileSchedule of Service Charges Get FilePrivacy Policy
Get FileDocuSign Disclosure Get FileBorrowers Bill of Rights
Get FileConsumer Caution and Home Ownership Counseling Notice Get FileElectronic Correspondence Disclosure and Agreement
Get FilePayCard Agreement and Disclosure Get FileMortgage Information
Get FileNationwide Mortgage Licensing Systems IDs Get FileHome Mortgage Disclosure Act Notice
Get FileConsumer Handbook on Adjustable-Rate Mortgage

Home loans available for homes in the following states: Michigan, Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Wisconsin. Currently construction home loans are only available in Michigan. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher.

Fixed-Rate Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at a 6.625% interest rate (6.713% APR) for a term of 360 months would require monthly payments of $1,280.62. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Example interest rate was available 01/02/2024 at 9am. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

Jumbo Fixed-Rate Mortgage Loan Payment Example: (Minimum loan amount $766,551): A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $958,189 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $766,551 borrowed at a 7.00% interest rate (7.023% APR) for a term of 360 months would require monthly payments of $5,099.88. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Example interest rate was available 01/02/2024 at 9am. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

5/1 ARM Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan with a purchase price of $250,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at 6.125% interest rate (APR Rate 7.002%) for a term of 360 months would require monthly payments of $1,215.22. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Example interest rate was available 01/02/2024 at 9am. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.