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Routing Number: 272479663
Swift Code: MSUCUS44
MSUFCU | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

You agree to accept these terms and conditions and are electing to receive electronic correspondence from MSU Federal Credit Union (MSUFCU).

  • You will receive certain MSUFCU correspondence at the email address you provide to us. The correspondence may include, but is not limited to: Account Statement Notices, Visa Statement Notices, IRS Tax Form Notices, and Transaction Notices (non-sufficient fund, Courtesy Pay, and overdraft notices).
  • MSUFCU will accumulate a 36-month, online archive of account and Visa statements and IRS Tax Forms.
  • Your consent for electronic IRS Tax Forms applies to every year the statement is furnished or until you cancel your electronic enrollment.
  • You agree to electronically view any changes in disclosures, election information, or updates to MSUFCU products, services, or fees.
  • Some correspondence that you receive via email may contain links to the MSUFCU website and ComputerLine for additional information. You will need to use your ComputerLine login credentials to access this information.
  • While enrolled in electronic correspondence, you will not receive the same correspondence via the U.S. Postal Service. However, you will continue to receive through the U.S. Postal Service certain correspondence that is currently not available electronically.
  • You must have a valid email address that we will use to send information using unencrypted email. You will remain enrolled in our electronic service(s) as long as you meet the eligibility requirements, or unless you request otherwise. Consecutive undeliverable email attempts may cause MSUFCU to revoke electronic services until a valid email address is provided.
  • At any time, you may cancel enrollment for electronic correspondence by visiting an MSUFCU branch, calling 517-333-2424 or toll-free 800-678-4968, or logging into ComputerLine with your account number and password, then changing your preference to paper statements or account notices. If you currently have a Totally Green Checking account, eStatements and eNotices are required and can not be changed via ComputerLine. You will need to contact MSUFCU directly to be converted to paper statements and Classic Checking.
  • When you cancel your enrollment in a service(s), we will resume mailing all of your correspondence as elected through the U.S. Postal Service at no additional charge to you* and discontinue electronic transmission of these items.
  • If you wish to obtain a paper copy of the emailed correspondence, we will provide it to you at no cost.
  • It is your responsibility to inform us about any change to your name and/or email address. This email address will be used to also communicate with you electronically as necessary. You accept responsibility for the delivery of the electronic correspondence.
  • You have access to the necessary hardware and software to view, print, or otherwise access necessary information to receive electronic communications from us and to access the MSUFCU website. The minimum hardware requirements are IBM-compatible PC, Apple, analog modem or Ethernet for internet connection, monitor, and printer. The minimum software requirements are an operating system that supports a web browser such as Internet Explorer v7.0, an Internet Service Provider (Internet Access), and an email application that supports HTML formatted emails. 

* A $5.00 fee is charged for each overdraft transaction when a paper Transaction Notice is selected.

Revised 07/12


Service Fee Schedule

Totally Green Checking


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 $5.00
Money Order $3.00
Wire Transfer Fees  
Domestic Wire Transfer $25.00 for sending
International Wire Transfer $50.00 for sending
Incoming Wire Transfer $5.00 for receiving
Returned Wire $5.00

International Item Fees

International Currency—Purchasing $14.00

Processing International Checks

 Canadian Checks


International Checks requiring short collection


International Checks requiring long collection

Returned International Checks $40.00
Online Banking with ComputerLine Free
Bill Payment Free
Card Fees 
Replacement Cards
ATM $2.00
Debit or Credit $5.00
Non-CO-OP ATM Network $1.00 / transaction
International Service Assessment (ISA)
ATM & PIN-Based Transactions1 1.0% of the International Transaction Amount
Signature-Based Transactions1 3.0% of the International Transaction Amount
Miscellaneous Fees 
Bond Coupon Processing $10.00
Canceled Check Copy $5.00
Coin Machine Use (non-members) 10% fee
Consumer Loan Late Payment $25.00
Courtesy Pay2 $30.00
Courtesy Pay for Debit2 $30.00

Dormant Account

$5.00 / month
Garnishment/Levy $75.00
Non-Sufficient Funds (NSF) $30.00
Overdraft Notice (Paper) $5.00
Research $25.00 / hour
Returned Deposited Item $15.00 (Domestic)
$40.00 (International)
Escheatment $75.00
Re-Deposit Returned Item $5.00
Skip-A-Pay Application $35.00
Share Collection $30.00
Statement Copy $5.00

Stop Payment

Telephone Transfer FREE

1Calculated after the transaction has been converted to US dollars.
2Courtesy Pay and Courtesy Pay for Debit (when opted-in) are protected with 
Balance Shield and will not receive a fee if the account is negative less than $5.00.

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 or 866-678-3328

REV. 02/17