MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

Pursuant to Michigan Public Act 660 of 2002


If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and all money you have invested in it, if you do not meet your obligations under the loan, including making all your payments.

 

Mortgage loans rates and closing costs and fees vary based on many factors, including your particular credit and financial circumstances, your earnings history, the loan-to-value requested, and the type of property that will secure your loan. Higher rates and fees may be applicable depending on the individual circumstances of a particular consumer's application.
 

You should shop around and compare loan rates and fees. This particular loan may have a higher rate and total points and fees than other mortgage loans. You should consider consulting a qualified independent credit counselor or other experienced financial advisor regarding the rate, fees and provisions of this mortgage loan before you proceed. For information on contacting a qualified credit counselor, ask your lender or contact the United States Department of Housing and Urban Developments online or at 800-569-4287 for a list of counselors.
 

Your payments on existing debts contribute to your credit ratings. You should not accept any advice to ignore your regular payments to your existing creditors.

HUD APPROVED COUNSELING CENTERS


DETROIT NON-PROFIT HOUSING CORPORATION
8904 Woodward Avenue, Suite 279
Detroit, MI 48202
Phone: 313-972-1111
Fax: 313-972-1125
E-mail: detroitnon@aol.com


MICHIGAN STATE UNIVERSITY EXTENSION SERVICES
240 Agriculture Hall, MSU Campus
East Lansing, MI 48824
Phone: 517-432-5620
Fax: 517-353-4846
E-mail: costner@msu.edu 


GREENPATH DEBT SOLUTIONS
2111 Woodward Avenue, Suite 906
Detroit, MI 48201
Phone: 877-337-3399
Email: housingdepartment@greenpath.com
Website: www.greenpath.com

GREENPATH DEBT SOLUTIONS

612 S. Creyts Road, Suite C
Lansing, MI 48917
Phone: 877-337-3399
Email: housingdepartment@greenpath.com
Website: www.greenpath.com


MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY
735 E. Michigan Avenue
Lansing, MI 48909
Phone: 866-946-7432
Email: SaveTheDream@Michigan.gov

Website: www.michigan.gov/mshda



 

Membership Fee

$1.00

Totally Green Checking

FREE

Classic Checking

$5.00 / minimum balance fee

Money Marketing Checking

$5.00 / minimum balance fee

Rebuild Checking $10.00 / month

Check Fees

 
Personal Check Printing Based on style
Temporary Checks $1.00 / page
Cashier's Checks $2.00 (first check free)
Money Orders $2.00
Wire Transfer Fees  
Domestic Wire Transfer $20.00 for sending
International Wire Transfer: $50.00 for sending
Incoming Wire Transfer $5.00 for receiving

International Item Fees

 
Ordering International Currency $14.00

Processing International Checks

 

--- Canadian Checks

$5.00

--- International Checks requiring short collection

$25.00

--- International Checks requiring long collection

$75.00
Online Banking with ComputerLine Free
Bill Payment Free
Card Fees  
ATM Replacement Cards $2.00
Non-CO-OP ATM Network $1.00 / transaction
International Service Assessment (ISA)
ATM & PIN-Based Transactions*
Signature-Based Transactions*

1.0% of the International Transaction Amount
3.0% of the International Transaction Amount
Miscellaneous Fee  
Process Bond Coupons $10.00
Telephone Transfer FREE
Cancelled Check Copy $5.00

Statement Copy

$5.00
Stop Payment $25.00
Research $25.00 / hour
Overdraft Notice (Paper) $5.00
Skip-A-Pay Application $25.00
Non-Sufficient Funds (NSF) $30.00
Share Collection $30.00
Garnishment $50.00
Courtesy Pay** $30.00
Courtesy Pay for Debit** $30.00
Returned Deposited Item $15.00 (Domestic)
  $40.00 (International)
Re-Deposit Returned Item $5.00
Consumer Loan Late Payment $25.00

Dormant Account

$5.00 / month

*Calculated after the transaction has been converted to US dollars.

**Courtesy Pay and Courtesy Pay for Debit (when opted-in) are protected with Business Account Fee Schedule

For inquiries, contact us at:
Michigan State University Federal Credit Union
PO Box 1208
East Lansing, MI 48826-1208


By phone: 517-333-2424 or 800-678-4968

Loans: 517-333-2222 or 800-678-6967
Visa: 517-333-2323 or 800-847-2383

Mortgage: 517-333-2210

Revised 02/15