MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

Privacy Policy

FACTS

WHAT DOES MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the products or service you have with us. This information can include:

  • Social Security Number and income
  • account balances and payment history
  • credit history and credit scores

How?

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Michigan State University Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does MSUFCU share?
Can you limit this sharing?

For our everyday business purposes-
such as to process your transaction, maintain your accounts(s), respond to court orders and legal investigations, or report to credit bureaus

YES
NO

For our marketing purposes-
to offer our products and services to you

YES
YES

For joint marketing with other financial companies

YES
YES

For our affiliates' everyday business purposes-
information about your transactions and experiences

NO
We don't share

For our affiliates' everyday business purposes-
information about your creditworthiness

NO
We don't share

For nonaffiliates to market to you

NO
We don't share

To limit our sharing

  • Call 517-333-2424 or 800-678-4968 - a member service representative will assist you in your opt-out preference.
     
  • Visit us online: www.msufcu.org, log into your account via ComputerLine, select the Messages at the top of your screen and leave a secure message.

     

Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.


However, you can contact us at anytime to limit our sharing.

Questions Call 517-333-2424 or 800-678-4968 or go to www.msufcu.org
Who we are
Who is providing this notice? Michigan State University Federal Credit Union
What we do
How does Michigan State University Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

    We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes- information about your credit worthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • MSUFCU has no affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • MSUFCU does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.


Online Privacy
Our privacy policy is the same whether you are online or not. At our website, www.msufcu.org, you may apply for membership, accounts, loans and services. You may also communicate with us via the secure Contact Us form. To protect information you provide us online, we use multiple levels of security. All applications, forms and ComputerLine transactions are submitted to us securely using the industry standard "Secure Socket Layer" (SSL) encryption to secure your submission. MSUFCU uses 128-bit encryption and we use firewalls to secure your information. A firewall is a security measure that insulates the credit union's computer network from the World Wide Web. We analyze the traffic coming in and out of the firewall, which could indicate intrusion activity and computer viruses. MSUFCU contracts with a third-party technology specialist to try to penetrate our network and evaluate the security of our online applications and ComputerLine. MSUFCU has successfully passed each evaluation and is annually certified as a secure site. To read more about online security requirements click here.

 

Our Use of Cookies
If you conduct transactions with MSUFCU via ComputerLine, you may notice our use of Internet cookies. Cookies are a small text file assigned and attached by a web server to the directory file on your computer. Cookies enable our systems to recognize your browser and your information as you navigate and conduct transactions within ComputerLine. If we did not use cookies within ComputerLine, you would need to enter your account number and password each time you wanted to see another page or each transaction you initiate. ComputerLine uses temporary session cookies that are stored on your Computer only during your current session and are automatically deleted from your computer when you close your browser. No information is collected from your computer.


Children's Online Privacy Protection Act (COPPA)
MSUFCU does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents. We do offer three children's programs on our web site: Sweet Pea for children ages 0-4, Dollar Dog Kids Club for children ages 5-12, and the Cha-ching program for teens age 13-17. Unless applying for MSUFCU membership, no information is collected from children to participate in the online activities and information found in these areas of our website.


Sweet Pea: Contains an online membership application that is designed to be submitted by a parent or guardian. In this membership application we ask information about the child for the purpose of establishing a Sweet Pea account for membership. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. Before the application can be submitted, the parent/guardian has to agree to consent to submit this information solely for the purpose of establishing a Sweet Pea account at MSUFCU. Parents/guardians have the ability to review the personal information collected prior to submitting the application. The child's name, age, and address information will also be used to send via U.S. Postal Mail a yearly Sweet Pea account birthday card. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff  will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.


Dollar Dog: Contains an online membership application that is designed to be submitted by a parent or guardian. In this membership application we ask information about the child for the purpose of establishing a Dollar Dog account for membership. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. Before the application can be submitted, the parent/guardian has to agree to consent to submit this information solely for the purpose of establishing a Dollar Dog account at MSUFCU. Parents/guardians have the ability to review the personal information collected prior to submitting the application. The child's name, age, and address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.


Cha-ching: This section of our web site is designed for teens ages 13-17. A Cha-ching membership application is available to submit online to establish an MSUFCU Cha-ching membership account. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. The child's name, age, and address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.

 

REV. 07/14



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 ID Last Name First Name
1336616 Al-Yasari Anmar
1143549 Aldrich Jamie
1152378 Ammerman Lera
1321643 Andrews James
1152831 Andronikidis Karrie
1152372 Bach Brandi
880177 Baecker-Smith Kathy
1371222 Bailey Judy
1059338 Baldino Michelle
455756 Bancroft Erica
935090 Beard Jordan
1339654 Binegar Nichole
798298 Bock Tiffany
1229371 Bowman Jerrica
455758 Boyd Lichiu
798299 Boyer Stephanie
1311551 Brink Morgan
455760 Broughman Abbie
1142188 Brown Anthony
1308076 Buck Tina
455762 Bush Justin
1152830 Bush Renee
798308 Bussa Brandon
1371223 Carlson Melissa
493380 Carpenter Robert
635834 Carr Suzanne
1046614 Castel Rojelio
1336634 Chritz Tracey
1184132 Clark Andrew
455764 Clark Dale
455763 Clark M'Lisa
798300 Coe Amy
1138842 Croley Anne
1142169 Cummings Benjamin
1321646 Curtis Megan
1046617 Daly Heather
608932 Dassance Abby
969930 Davidson Graham
1071021 Davis Gregory
1046615 Deneau Danielle
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
1308077 Fleeks Ashley
1071020 Freels Ann
1138841 Freund Jessica
1308078 Fulkerson Megan
455773 Fullerton Kimberly
1308079 Gagliardi Laura
992959 Gakenheimer Bradley
1371225 Garrett Chris
1142165 Gauna Bethany
1065103 Geller Cynthia
455775 Gilman Michelle
1152434 Gonzales Anissa
1371226 Gray Chelsie
1308080 Grecu Nicholas
1308081 Gregg Matthew
992958 Gross Michael
1325674 Hailey Alexis
1046616 Halfmann David
1152374 Hatcher Jesse
1138749 Hewson Justin
1184131 Hill Amber
1366699 Holmes Natasha
1219954 Horn Allison
1308842 Hornberger Melanie
1071019 Horton Chandra
1221528 Hosey Laura
1325672 Howard Juwan
1152373 Huhn Victoria
1072925 Hull Jessica
455776 Hunt Erin
1308082 Hunt Trevor
455777 Hutchings Melisa
992957 Inman Christopherr
1142164 Jackson Amanda
1204877 James Gina
1371227 Jeffery Jessica
1244615 Jeffreys Stephanie
455779 Johnson Paula
1308843 Kakar Kieran
917914 Kaminskaya Irina
951256 Kendle Tyler
1142164 Jackson Amanda
1143609 Kindel Allison
1152368 King Rhonda
1228018 Kinney Christy
455781 Knopps Kelly
1152369 Koch Jacqueline
455782 Kolka Jessica
1038572 Kuykendoll Ashley
1204876 LaFave Leah
1314081 Land Hannah
455783 Larsen Ryan
1208287 LeBlanc Megan
1371228 Lee Deborah
1359851 Lemon Paige
1190440 Lemon Sara
1275146 Lenhard Kenneth
455784 Liles Laura
1339653 Long Ashley
1152833 Lott Adam
591498 Macaluso Denya
1184125 Manning Ashley
1371233 Marin-Guzman Yadiel
455786 Martin Rhodope
1023367 Maxey Kara
455788 McClure Christopherr
1025454 McClurken Sophia
455789 McGowan Dana
1025454 McFarland Christine
1245477 McKee Caitlin
1138840 McWherter Carla
1038570 Medina Casie
455792 Medina Vera Mario
880179 Meissner Doreen
455793 Mendoza Jesus
455794 Meschini Julie
1227606 Miller Ashleigh
455795 Miller Paula
455787 Moreno Rachelle
1023365 Murphy Alison
455820 Murray Andrea
455796 Norton Stephanie
455798 O'Malley Tarissa
1257870 Oviedo Angeline
1219955 Palacios Ryan
1089788 Perez Jane
805243 Pitmon Colleen
1309559 Pittman Wendy
1150521 Pitts Andrew
1204874 Ploeg Jennifer
1208286 Porter Franklin
1184128 Pothoof Kathryn
1142166 Potter Chelsea
455799 Powers Jeffrey
1308084 Rodriguez Lindsey
538655 Roush Kyle
455800 Ramos DeAnne
1321648 Ramsden Erika
1325673 Rasmussen Mary
798303 Ring Scott
1204873 Roush Danielle
455805 Schlak Vicki
455806 Schmitt Michelle
1204875 Schubeck Kara
1208822 Schueller Karen
455808 Shappee Karla
1308085 Shaw Joshua
455809 Showerman Kelly
1321650 Silva Alea
1208285 Singleton Taylor
1184130 Sipkovsky Jordan
1308086 Sipkovsky Monica
1208824 Sliva Timothy
455810 Smith Jenny
1209924 Snover Sarah
455813 Stuart Mary
1152832 Terenzi Mary
455815 Thomlison Kathleen
1124863 Thomson Alex
500108 Townsend Larry
1308087 Traviglia Christopher
1125802 Trevino Jasmine
1039502 Tribell Brian
455816 Trumble Christopherr
1152375 Turek Benjamin
1184126 Turowski Maria
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
1371229 Whelan Samuel
935091 Whipp Betty
1359852 White Shantel
1125801 Wickham Ashley
1152432 Williams Aleisha
455821 Williams Timothy
455822 Willison Stacy
1208823 Winsor Ryan
1184123 Wolf Bobi
1152433 Worth Jennifer
1038571 Wright Amy
1143550 Wright Kyle
1184124 Yinger Jessica
455811 Zannini Jamie
1231001 Torres Rickie

 

Last updated: 06/22/2015