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MSUFCU | Disclosures | Home Loans

Mortgage & Home Loan Disclosures


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 $2.00 (one free per day)
Money Order $2.00 (one free per day)
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

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 $25.00
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. 09/16

Why Did My Statement Change?
This change is being implemented in response to a new regulation enacted by the
Consumer Financial Protection Bureau (CFPB). The CFPB formed this regulation in an effort to better educate homeowners about their mortgage loans including payment amount, due date, and late payments. 


How to Read Your Statement

Click to Download Mortgage Statement ExplanationYou may have noticed some recent changes in your monthly mortgage statement from MSUFCU. Click the Download button to view a complete explanation of your new MSUFCU mortgage statement.​


Frequently Asked Questions

What is the CFPB? 
Created under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), the Consumer Financial Protection Bureau (CFPB) is the federal agency that holds primary responsibility for regulating consumer protection with regard to financial products and services in the United States. 


Can I stop receiving these statements in the mail? 
MSUFCU is working on converting the statements to eStatements for members who have opted in to paperless statements. 


How does this impact my payment method? 
The new statement format does not impact your payment method. If you are set up to automatically pay on a certain date, your payments will continue as scheduled. 


Does ‘Outstanding Principal’ under Account Information reflect the amount I would have to send in to pay my loan in full? 
‘Outstanding Principal’ reflects only the principal balance remaining on your account. You may call MSUFCU to request a payoff statement. 




MSUFCU Routing Number: 272479663

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