MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSUFCU Live Chat

800-678-4968 • 517-333-2424
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MSU Federal Credit Union | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

 

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




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.