MSUFCU was founded in 1937 to serve the MSU community with low cost loans. Today, we are proud to continue to serve the MSU community of faculty, staff, students, and alumni. The Credit Union and Michigan State University have formalized our partnership with a contractual agreement. Click the button to view the details of the fully executed contract.
1 The Spartan State of Mind Sweepstakes begins at 12:01 A.M. ET 5/1/26 and ends at 11:59 P.M.ET 5/31/26. To enter, submit an MSU photo taken by you. Only one entry per participant will be accepted. Prize is one gift card to the Kellogg Center State Room, which is valued at $200. Chances of winning are based on the number of entries received. The winner will be randomly selected by 6/8/26. by the MSU Federal Credit Union (Credit Union), whose decision is final. Winner's account must be in good standing. Winner will be notified by email or phone and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form to receive prize. The Credit Union provides no warranty relative to prize. Prize may not be substituted or transferred except at the discretion of the Credit Union. Winner is responsible for applicable taxes and costs related to use of prize. Employees, Board members, and Supervisory Committee members of the Credit Union and affiliated CUSOs, and any promotion sponsors, are not eligible. No purchase necessary to enter, nor will a purchase improve chance of winning. You may also enter by sending a 3-inch x 5-inch card with your printed photo and sweepstakes name and your name, address, phone number, and email address to: MSUFCU, ATTN: MSUFCU Spartan State of Mind Sweepstakes, 3777 West Rd., East Lansing, MI 48826. A winners list will be available at http://msufcu.org/winners. For full promotion details, visit http://msufcu.org/specialoffers/spartanstateofmind.
2 The $100 Checking with Direct Deposit offer is valid beginning 5/1/26 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 5/1/26, 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.
3 Offer valid 05/01/2026-05/31/2026. Annual Percentage Yield (APY) effective 05/1/26. Rate subject to change at any time. 4.00% APY valid only during promotion period for 4-year Certificates. Minimum certificate opening balance is $500. Funds cannot be currently on deposit with MSUFCU. Certificate rate is fixed for the term of the Certificate at the time it is opened. Earnings assume funds remain on deposit for the term of the Certificate and are compounded monthly. An early withdrawal could reduce your initial investment, and penalty applies if funds are withdrawn prior to maturity. Early withdrawal penalties will not be charged for withdrawal due to disability or after death of Certificate owner.
4 Offer valid 5/1/26-5/31/26. Members who do not currently have an Insured Money Management Account (IMMA) and open an IMMA with a minimum deposit of $14,000 and maintain an IMMA balance of at least $14,000 for 30 consecutive days will receive a $100 bonus. The $100 bonus will be deposited into the member's Spartan Saver within 45 days of the promotion end date. Funds cannot be currently on deposit at MSUFCU. IMMA must be opened and funded by 5/31/26. Offers cannot be combined. Not valid for business or youth accounts. Bonus may be taxable and reported on an IRS Form. Members who complete a qualifying May incentive activity will receive one entry into the Celebrate 400 sweepstakes drawing for a Polaris Ranger 500. No purchase necessary to enter the Celebrate 400 Sweepstakes, nor will purchase improve odds of winning. For full promotion details and official rules, visit http://msufcu.org/Celebrate400. The Celebrate 400 Sweepstakes is live from 4/1/2026 through 7/31/2026. Offers cannot be combined with other promotions. Offer not valid for business or youth accounts. Bonus may be taxable and may be reported on IRS Form 1099-INT or 1099-MISC.
Please read these rules carefully. Within these rules, the words we, us, and our refer to MSU Federal Credit Union (Credit Union)]. The words you and your refer to any eligible participant in this promotion. By participating in this promotion, you agree to these official rules and to the results of the promotion, which will be final and binding in all respects.
PROMOTION PERIOD
The Celebrate 400 Promotion begins at 12:00 a.m. ET April 1, 2026 and ends at 11:59 p.m ET July 31, 2026.
ELIGIBILITY
No purchase is necessary, nor will a purchase improve an individuals chance of winning, and there is a limit of one entry per individual. Employees, Board Members, and Supervisory Committee Members of the Credit Union and affiliated CUSOs, as well as promotion sponsors, are not eligible.
WINNER SELECTION/ODDS
Winner(s) will be drawn within 10 business days of July 31, 2026 by the legal department of the Credit Union, whose decision is final. Chances of winning are based on the number of entries received. For example, if 1,000 entries are submitted and there is only one prize, then the chance of winning is 1 in 1,000. Winner(s) will be notified by email, phone and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form. If we do not receive the completed release and consent form within 10 calendar days of the date the winner was first called or emailed about their prize, a new winner will be selected. Please see our contact information below.
HOW TO ENTER
To enter, complete up to four qualifying $100 incentive activities during the promotion period. Alternatively, you may send a 3-inch by 5-inch card with the sweepstakes name and your name, address, phone number, and email address to: MSU Federal Credit Union, ATTN: Marketing Department, Celebrate 400 Sweepstakes, 3777 West Rd., East Lansing, MI 48826-9946.
We are not responsible or liable for:
• Lost, late, illegible, mutilated, or misdirected entries,
• Entries not received in time for the selection of the winner,
• Technical hardware or software needed to enter,
• Lost or unavailable network connections that impair or prevent entry, or
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a users ability to participate in this promotion.
PRIZES AND ACTUAL RETAIL VALUES
The prize is a 2026 Polaris Ranger 500 which is valued at $9,999 plus taxes and fees. Winner is responsible for applicable taxes and costs related to use of prize. Prize may not be substituted or transferred except at our discretion. We are not responsible for the winners receipt or use of the prize, and have neither made nor are in any manner responsible or liable for any warranty, representation, or guarantee, expressed or implied, in fact or in law, relative to the prize including, but not limited to, its quality or availability. Liability for any applicable federal, state, or other taxes, or any other costs, will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by us. Winner must pick up prize at MSUFCU headquarters, 3777 West Rd., East Lansing, MI 48826-9946.
GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To all terms and conditions related to this promotion.
• To allow us, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are our exclusive property.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.
GENERAL CONDITIONS
We reserve the right to modify, suspend, and terminate this promotion for any reason, including but not limited to viruses, bugs, nonauthorized human intervention, or other causes beyond our control, that corrupts or impairs the administration, security, fairness, or intended procedures of the promotion. In case of suspension or termination, a notice will be posted, and, at our discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. We reserve the right to disqualify any entrant if it suspects that their actions affect the integrity of the promotion or if the entrant fails to remain in good standing with us.
We maintain the right to change or modify these rules at any time without notice. We are not responsible for any typographical or other error in the printing of the offer, administration of the promotion, or in the announcement of any and all prizes.
Any legal challenge to this promotion must be filed within 6 months of the end of the promotion. Such legal challenge will be waived if not filed within such period. Participation in the promotion constitutes a participants agreement to the 6-month limitation period.
This promotion is not sponsored by or associated with any other organization, including any social media platform where the sweepstakes is promoted, and you release such other organizations from liability arising out of or relating to this promotion.
