MSU Faculty and Staff

1 Annual percentage yield (APY) rates vary. The Summer Pay account earns 1.10% APY as of 7/6/25. Deposits can be made by payroll deductions or automatic transfer with the exception of initial deposit. Withdrawals can only be made during the months of May, June, July, and August. Funds will be transferred automatically to your MSUFCU checking or savings account.

2 The $750 off closing costs offer valid for new mortgages, construction loans, or vacant land loans of $100,000 or more. Offer cannot be used toward down payment or with any other discounts, and is not available on home equity loans or lines. All usual and customary fees will be charged to the buyer. Loans are subject to credit approval. The $750 off closing costs offer is valid beginning 8/1/25, and is subject to change. Offer must be mentioned at the time of application. Offer void if transferred, sold, or replicated in any way. Eligible properties include primary and secondary residences: single-family homes, condominiums, and modular homes. This offer may not be transferred, sold, or replicated in any way, and it may not be combined with any other mortgage offers. Home loans available for homes in the following states: MI, AL, AZ, CO, FL, GA, IL, IN, KY, MN, MO, NC, OH, OR, PA, SC, TN, VA, WA, and WI. Construction home loans are available in MI and IL. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher.

3 Loan-to-Value ratio (LTV) up to 97% for credit scores of 760+, up to 95% for credit scores of 720+, up to 90% for credit scores of 691+, up to 85% for credit scores of 661+ based on FICO scores. Vacant Land Loans require a down payment of at least 20%.

4 The Heroes Mortgage Loan is available for primary residences only. To qualify, one of the borrowers must be employed in one of the following fields: Law enforcement, Fire department, Medical care provider, EMTs, Education, Military, Government, Social work, Day care, Senior living, Veterinary, Retail, Grocery, Restaurant and food service, Construction trades, Transportation, or Nonprofit 501(c)(3).

5 The $100 Checking with Direct Deposit offer is valid beginning 8/1/25 and is subject to change. Offer requires a new direct deposit of your net paycheck ($550 or more) into your MSUFCU checking account. Allow 4 weeks after your first direct deposit for $100 to be deposited. Account must be in good standing. Not valid for funds already on deposit with MSUFCU. Offers cannot be combined. Bonus may be taxable and reported on an IRS Form. Annual percentage yield (APY) rates vary. APY as of 2/1/26, on the Money Market Checking is 1.00% for Tier 1 with a minimum balance of $2,000, 1.00% for Tier 2 with a minimum balance of $10,000, 1.35% for Tier 3 with minimum balance of $50,000, and 1.70% for Tier 4 with minimum balance of $100,000. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term Certificate or IRA. Rates for accounts are variable and may change after account opening. To see current rate, visit https://www.msufcu.org/rates/checking_and_savings . Federally insured by the NCUA.

6 You will receive $100 once you spend $5,000 on net purchases within the first 3 months after MSUFCU Visa Signature Credit Card approval. Purchases must post to your account within the first 3 months. Once you qualify for this bonus, we will apply it to your Visa Signature cash back account within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first three months will be excluded. Account must be in good standing to receive $100. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $100 bonus being applied to your cash back account, the bonus will be considered to have been forfeited. This one-time $100 offer is valid for new, first-time MSUFCU Visa Signature cardholders only. This offer may be canceled at any time without notice. Visit msufcu.org/visasignature for full terms and conditions

7 Cardholders will earn the following cash back rewards: 3% on groceries; 2% on gas, travel (airlines, hotels, motels, resorts, taxi/limo, and car rental) and universities; and 1% on all other purchases for every one U.S. dollar in eligible net purchases made on their VISA Signature Credit Cards, rounded to the nearest whole dollar. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to amount returned. Negative cash back will be given if returns or credits exceed purchases. Certain restrictions, limitations, and exclusions apply. Visa Signature Credit Card has a $10,000 minimum limit. View full Visa Signature pricing and terms: https://media.msufcu.org/publicsites/publicsite/documents/kv2vu8jnzbgif2mkdp07.pdf