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MSUFCU | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

Notice of Change in Terms of the Fee Schedule and
Membership & Account Agreement at MSUFCU


Effective May 15, 2016, some fees associated with your account at MSUFCU will change.


Escheatment $0.00 $75.00
Levy $0.00


Garnishment $50.00 $75.00


Dormant Account Fee Change
Effective May 15, 2016, the Dormant Account Fee will be charged to all Dormant Accounts, not only accounts with balances of less than $500.00. Verbiage in Section 27 of the Membership & Account Agreement has been updated to reflect this change.


Section 27 – Dormant Account
We will consider an account to be dormant if there are no deposits or withdrawals for a period of 18 months. Exceptions are loan accounts, Certificates, and IRAs/HSAs.


When an account becomes dormant, we will charge a monthly dormant account fee as stated in the Fee Schedule, unless restricted by law. The fee will be charged until the account becomes active or there are no funds available to pay the fee. You authorize us to transfer funds from other accounts of yours to cover any service fees we may impose upon the account deemed dormant. To the extent allowed by law, we reserve the right to transfer account funds to an account payable and suspend any further account statements. We will attempt to notify you prior to your account becoming dormant. If a deposit or withdrawal has not been posted to your account for 36 consecutive months, and we have not had any other contact with you, we will consider your account abandoned. We will report and disburse the funds from an abandoned account in accordance with Michigan law. Dormant accounts receive only an annual account statement.

Notice of Change in Truth in Savings and
Funds Availability at MSUFCU

This Disclosure is provided in compliance with the Federal Expedited Funds Availability Act and Regulation CC. This policy applies to all deposits into personal checking accounts at the MSUFCU at 3777 West Road, East Lansing, Michigan, and at all of its branches. MSUFCU reserves the right to delay the availability of funds deposited to accounts that are not checking accounts for periods longer than those disclosed in this agreement.


For determining the availability of your deposits, every day is a business day, except Saturday, Sunday, federal holidays, and MSUFCU posted holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a day we are not open, we will consider that the deposit was made on the next business day.


If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your checking account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.


If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available until the time period, described elsewhere in this disclosure for the type you deposited, lapsed.


In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available until the business day after the day of your deposit. However, the first $200.00 of your deposits will be available on the first business day after the day we receive your deposit. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.


In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000.00 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of communications or computer equipment.


We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.


The following special rules may apply during the first 30 days your checking account is open.


Funds from the deposits of cash and the first $5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, travelers’, and state and local government checks will be available immediately if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000.00 will be available no later than the ninth business day after the day of your deposit.


Funds from all other check deposits will be available no later than the ninth business day after the day of your deposit.


Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If you have any questions, please contact MSUFCU.


Shared branches are defined as those offices where members of many different credit unions are able to perform transactions on their own credit union account. Transactions performed at shared branch locations are subject to their fees, rules, policies, and procedures.


In some cases, all of the funds that you deposit by check will not be available to you on the same business day you make the deposit. Depending upon the type of check you deposit, funds may not be immediately available. However, the first $200.00 of your deposits will be available on the first business day after the day we receive your deposit. If all of your funds from your deposit are not available on the same business day, you will be notified at the time you make your deposit as to when your funds will be available. If your deposit is not made directly to a shared branch employee, or if this action is taken after you have left the premises, a notice will be mailed to you by the business day after your deposit is received. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period if there is an emergency such as failure of communications or computer equipment. Should such an emergency occur, we will notify you and tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.


Service Fee Schedule

Membership Fee


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 (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


--- International Checks requiring short collection


--- International Checks requiring long collection

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

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

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), designed to enhance consumer protection and reduce fraud, established minimum federal regulations for individuals who write mortgage loans. The SAFE Act also created a nationwide mortgage licensing database to help consumers ensure their mortgage loans are being handled by an employee licensed under SAFE Act guidelines.


Mortgage loan originators employed by a federally regulated depository, such as Michigan State University Federal Credit Union, must meet the licensing standards established by the SAFE Act and be registered in the Nationwide Mortgage Licensing System (NMLS). To be eligible for registration under the SAFE Act, home loan originators are required by the federal government to attend classes related to mortgage licensing, pass federal and state tests, and complete credit and criminal background checks.


A list of MSUFCU employees currently licensed in the NMLSR can be found below, along with each employee’s NMLS ID. MSU Federal Credit Union’s license number is 405297.


For more information, visit the NMLSR Consumer Access website or feel free to contact us.


MSU Federal Credit Union Employees Registered with the NMLS   

NMLS IDD Last Nameme First Name  
1336616 Al-Yasari Ammar  
1143549 Aldrich Jamie  
1391535 Allen Chelsea  
1152378 Ammerman Lera  
1321643 Andrews James  
1194352 Anthony Eric  
1471712 Axel Makayla  
1204875 Balassone Kara  
1434120 Balch Chelsea  
1403747 Brooks Ashley  
1152372 Bach Brandi  
880177 Baecker-Smith Kathy  
1371222 Bailey Judy  
1059338 Baldino Michelle  
1381534 Ballard LaRisa  
455756 Bancroft Erica  
935090 Beard Jordan  
1430403 Bell Traci  
1339654 Binegar Nichole  
798298 Bock Tiffany  
1462845 Boedeker Dale  
1311399 Bond Breanna  
1229371 Bowman Jerrica  
455758 Boyd Lichiu  
798299 Boyer Stephanie  
1311551 Brink Morgan  
877792 Brooks Daniel  
455760 Broughman Abbie  
1142188 Brown Anthony  
1308076 Buck Tina  
455762 Bush Justin  
1152830 Bush Renee  
798308 Bussa Brandon  
1371223 Carlson Melissa  
1440003 Carpenter Debra  
493380 Carpenter Robert  
635834 Carr Suzanne  
1399614 Carter Lindsay  
1381540 Childs Brittany  
1336634 Chritz Tracey  
1184132 Clark Andrew  
455764 Clark Dale  
455763 Clark M'Lisa  
798300 Coe Amy  
1395073 Combs Brittany  
895895 Cox Jennifer  
1387255 Crandall Jason  
1138842 Croley Anne  
1321645 Curtis Hannah  
1321646 Curtis Megan  
1046617 Daly Heather  
608932 Dassance Abby  
1071021 Davis Gregory  
1471713 Dempski Shelly  
1046615 Deneau Danielle  
1462846 Desta Sadarie  
1371224 Dexter Brandi  
798304 Dilts Nicole  
455768 Docherty Jennifer  
455769 Dolan Sara  
500135 Douma Mary  
1038569 Drwencke Justin  
1229370 Duncanson Ian  
1285767 Dupras Sarah  
1065092 Dyer Benjamin  
798306 Edmond Sonya  
591157 Eifert Heather  
1336617 Elliott Stacy  
1152371 Elmore Samantha  
1405089 Elyaderani Ali  
1339657 Fabro Jonathan  
1403748 Feher Carrie  
1371232 Ferguson Tiffani  
1308077 Fleeks Ashley  
1450312 Forbes Matthew  
1321647 Fox Aryn  
1071020 Freels Ann  
1138841 Freund Jessica  
1308078 Fulkerson Megan  
455773 Fullerton Kimberly  
1308079 Gagliardi Laura  
992959 Gakenheimer Bradley  
1462848 Galvin Jonathan  
1445656 Garcia Gloria  
1371225 Garrett Chris  
1142165 Gauna Bethany  
1065103 Geller Cynthia  
1471714 Ghesquiere Laurie  
455775 Gilman Michelle  
1428303 Graybiel Cory  
1308080 Grecu Nicholas  
1308081 Gregg Matthew  
992958 Gross Michael  
1325674 Hailey Alexis  
1046616 Halfmann David  
1469012 Hamelin Katherine  
1403751 Harns Elizabeth  
1249201 Harrington Joseph  
1152374 Hatcher Jesse  
1403750 Hatta McKenzie  
1445659 Hernandez Esperanza  
1184126 Hewitt Maria  
1138749 Hewson Justin  
1184131 Hill Amber  
1395072 Holmes Mae  
1366699 Holmes Natasha  
1219954 Horn Allison  
1308842 Hornberger Melanie  
1221528 Hosey Laura  
1204874 Howard Jennifer  
1325672 Howard Juwan  
1381538 Huelga Sisto  
1152373 Huhn Victoria  
455776 Hunt Erin  
1308082 Hunt Trevor  
455777 Hutchings Melisa  
992957 Inman Christopher
1142164 Jackson Amanda  
1387253 Jackson Jeffrey  
1204877 James Gina  
1371227 Jeffery Jessica  
1244615 Jeffreys Stephanie  
1387254 Johnson Christopher
455779 Johnson Paula  
1308843 Kakar Kieran  
917914 Kaminskaya Irina  
1381535 Kelley Caitlin  
951256 Kendle Tyler  
1308083 Kendrix Amanda  
1445658 Kilbourn Mackenzie  
1143609 Kindel Allison  
1152368 King Rhonda  
1005985 Kissling Seth  
1433806 Klingbiel Jennifer  
1410818 Knop Katie  
455781 Knopps Kelly  
1430404 Koch Amanda  
1152369 Koch Jacqueline  
1433810 Koerner-Aymor Shanon  
455782 Kolka Jessica  
1445657 Krzisnik Mary  
1204876 LaFave Leah  
1314081 Land Hannah  
455783 Larsen Ryan  
1208287 LeBlanc Megan  
1359851 Lemon Paige  
1190440 Lemon Sara  
1275146 Lenhard Kenneth  
1308089 Leonard Mika  
455784 Liles Laura  
1152833 Lott Adam  
591498 Macaluso Denya  
1184125 Manning Ashley  
1371233 Marin Guzman Yadiel  
455786 Martin Rhodope  
1023367 Maxey Kara  
1462844 McCarrick Elainé  
455788 McClure Christopher
1025454 McClurken Sophia  
1309557 McFarland Christine  
455789 McGowan Dana  
1245477 McKee Caitlin  
1138840 McWherter Carla  
455792 Medina Vera Mario  
880179 Meissner Doreen  
455793 Mendoza Jesus  
1405090 Merindorf Chloe  
1445655 Meylan Alyssa  
1227606 Miller Ashleigh  
455795 Miller Paula  
1471715 Morales Xochilt  
455787 Moreno Rachelle  
1023365 Murphy Alison  
455820 Murray Andrea  
1472817 Nguyen Jen  
455796 Norton Stephanie  
1445653 O'Brien Andrew  
455798 O'Malley Tarissa  
1257870 Oviedo Angeline  
1219955 Palacios Ryan  
728281 Patel Samip  
1089788 Perez Jane  
805243 Pitmon Colleen  
1309559 Pittman Wendy  
1150521 Pitts Andrew  
1208286 Porter Franklin  
1184128 Pothoof Kathryn  
1142166 Potter Chelsea  
455799 Powers Jeffrey  
1308084 Rodriguez Lindsey  
538655 Roush Kyle  
1471717 Rae Kayla  
1451329 Rafferty Elizabeth  
1321648 Ramsden Erika  
1325673 Rasmussen Mary  
798303 Ring Scott  
1433807 Rininger Debra  
1321649 Robbins Deanna  
1381536 Robinson Justin  
1371231 Rodriguez Jacob  
683535 Rogers Aimee  
1204873 Roush Danielle  
1032433 Sandoval Cecilia  
1469597 Schafer Shelby  
455806 Schmitt Michelle  
1445660 Schrauben Lori  
1208822 Schueller Karen  
1381533 Schwaderer Mary  
455808 Shappee Karla  
1308085 Shaw Joshua  
1381532 Shelley Jennifer  
455809 Showerman Kelly  
1321650 Silva Alea  
1321651 Simmons Gayland  
455794 Simon Julie  
961971 Singh Sonia  
1184130 Sipkovsky Jordan  
1308086 Sipkovsky Monica  
1208824 Sliva Timothy  
1445661 Smathers Jamie  
1428301 Smith Amy  
455810 Smith Jenny  
1209924 Snover Sarah  
707383 Stevens Belinda  
1383970 Stevens Morgan  
1425879 Stevens Rebecca  
1406072 Stewart Alan  
455813 Stuart Mary  
1471716 Sykes Gerald  
1152832 Terenzi Mary  
1476557 Thelen Maria  
455815 Thomlison Kathleen  
500108 Townsend Larry  
1039502 Tribell Brian  
455816 Trumble Christopher
1152375 Turek Benjamin  
455817 Van Ess Amanda  
455818 Vanderlaan Jason  
1339655 Viele Emily  
1184127 Viglianco Danielle  
1152370 Vogt Deborah  
1184129 Waligorski Russell  
935089 Walker Carrie  
455819 Wallas Diane  
902933 Walters Karen  
1225802 Watson Alex  
1289351 Weaver Anne Marie
1309558 Weaver Nicholas  
1381530 Welch Michael  
935091 Whipp Betty  
1359852 White Shantel  
1381537 Whittaker Miriam  
1125801 Wickham Ashley  
1450112 Williams Shanae  
455821 Williams Timothy  
455822 Willison Stacy  
1208823 Winsor Ryan  
1184123 Wolf Bobi  
1381539 Wood Ashley  
1403749 Woods-Norman Bethany  
1405091 Worden Ananda  
1433808 Worden Gary  
1152433 Worth Jennifer  
1038571 Wright Amy  
1143550 Wright Kyle  
1184124 Yinger Jessica  
1433809 Young Kathleen  
455811 Zannini Jamie  
1472816 Zanoni Ariella  
1405088 Zilch Brandon  


Last updated: 04/05/2016


MSUFCU Routing Number: 272479663

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