MSU Federal Credit Union

Welcome, Gold Coast Account Holders--
We're Glad You're Here

We are excited to welcome you to MSU Federal Credit Union.

Effective May 1, 2026, Gold Coast Bank became part of MSUFCU through an acquisition focused on supporting exceptional member experiences, expanded products and services, and strong ongoing support for the members and communities we serve.

Our team is working diligently to make your transition to the Credit Union a smooth and well-supported experience.

Start Your Journey With MSUFCU

At MSUFCU, we are committed to exceptional service, strong financial products, and supporting the communities we serve. Click to explore 100 reasons membership with MSUFCU can support your financial journey.

Becoming an MSUFCU Member

As part of the transition from being an account owner of a bank to a member of a credit union, you will need to opt in to membership. This establishes your Credit Union membership and ensures continued access to the full range of products, services, and benefits available through MSUFCU.

If you have already completed your membership opt-in, thank you! No further action is needed at this time.

If you have not yet opted-in, we encourage you to do so as soon as possible. You may opt-in by completing the online form, calling our Gold Coast Office at 312-587-3200, calling our Call Center at 312-270-0204 ext. 3133, or returning the form that was mailed to you using the enclosed self-addressed envelope. You may also complete your membership opt-in by visiting the Gold Coast Office at 1165 N. Clark Street, Suite 200, in Chicago (Monday-Friday, 9:00 a.m. - 5:00 p.m. CT) or any branch location.

Important Account Security Information

We value the safety and security of your financial information. Please note: MSUFCU will never contact you asking for personal or account security information including your username and/or password, one-time passcodes, or your debit or credit card number, CVV number, PIN, or token activation code.

To learn more about protecting your account, please visit our Security Center.

May 1, 2026 Transition

On May 1, 2026, the Credit Union completed its acquisition of Gold Coast Bank. You may continue using your accounts as you do today while we prepare for the future system conversion. Additional updates will occur as part of the future system conversion process, and we will continue providing advance notice and guidance along the way.

System Conversion

We anticipate completing the system conversion of your Gold Coast accounts to the Credit Union near the end of the third quarter of 2026. Until then, your accounts will remain fully accessible, and no immediate action is required from you. You can continue using your accounts as you do today. As we get closer to the system conversion date, we will provide more detailed information.

Communication and Resources

Membership Opt-In Information

View the mailed notice and form and access available options to complete opt-in.

Access Your GCB Accounts

Until system conversion, you can continue to access your Gold Coast accounts through Gold Coast digital banking. After conversion, you will continue to have access to your accounts through the Credit Union's digital banking.

Frequently Asked Questions

Learn more about the Gold Coast Bank acquisition, Credit Union membership, and conversion of your accounts.

Locations and Support

The existing Gold Coast Office remains open. The Credit Union has ten additional branch locations in Illinois you are welcome to visit to learn more about membership, products, and services.

Notice of Name Change and Other Changes

See how names and other references are changing as part of this transition.

Notice of Acquisition Completion

View the mailed notice regarding the completion of the Gold Coast Bank acquisition.

Consumer Welcome Mailing

Learn more about MSUFCU through a welcome letter from our CEO and President, welcome brochure, Credit Unions 101 flyer, and our 2025 Annual Report Summary.

Business Welcome Mailing

Learn more about MSUFCU and Pillur through a welcome letter from our CEO and President, welcome brochure, Credit Unions 101 flyer, and our 2025 Annual Report Summary.

"MSUFCU shares your values of exceptional service, strong financial products, and financial empowerment. Through this transition, Gold Coast customers will gain access to a broader range of products and services, including wealth management. This acquisition allows us to better support our existing members in the area while warmly welcoming the individuals and businesses served by Gold Coast Bank and continuing the relationship focused banking experience they value."

- April Clobes, President/CEO

Learn more about our history, our mission and core values, and our commitment to communities.

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Who is MSUFCU?

MSUFCU was established in 1937 to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security, as they purchase their first cars and homes, start their own businesses, and save for their children's futures. Learn more

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What is the difference between credit union and bank accounts?

Credit unions like MSUFCU offer everything you'll find at a bank plus exclusive member benefits. Built around the philosophy of "people helping people," credit unions are member- and community-focused, not-for- profit financial institutions. Credit unions offer a full range of personal and business checking and savings accounts, loans, mortgages, credit cards, robust digital services, and physical locations for in-person assistance.

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When will the system conversion occur?

We anticipate completing the system conversion of your accounts to the Credit Union near the end of the third quarter of 2026. At that time, you will be able to access your accounts through the Credit Union's digital banking platform, ComputerLine®, and use Credit Union Visa debit, ATM, and credit cards.

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Will my Credit Union accounts be the same as my current accounts?

Your new Credit Union accounts will be selected to closely align with your current accounts. In some cases, your new accounts may have different features.

Your deposit and loan account numbers will change as part of the system conversion. We will notify you of all changes and can assist with updating any direct deposit or ACH transactions.

You should continue using your Gold Coast routing number of 071026848 until system conversion. Once this is completed,, your new routing/transit number will be 272479663 for personal accounts and 072486908 for business accounts, as applicable. Your new account number(s) will be provided to you prior to system conversion.

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Will I get a new debit card and checks?

You will receive new Credit Union Visa debit and ATM cards to replace any existing Gold Coast cards prior to system conversion. We will provide additional information, including activation instructions, as we get closer to the system conversion.

For a smooth system conversion, the Credit Union will continue to process your existing Gold Coast Bank checks for a period of time after system conversion so you can continue using them without interruption. You can order new checks after system conversion that will include your new account number and the appropriate Credit Union routing number.

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How are my funds on deposit insured?

Your deposit accounts at the Credit Union, referred to as "shares," are now insured by the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is backed by the full faith and credit of the U.S. government and administered by the National Credit Union Adminnistration (NCUA).

This insurance, commonly referred to as "share insurance," has replaced the deposit insurance previously provided by the Federal Deposit Insurance Corporation (FDIC) for Gold Coast Bank accounts, with no gap in coverage. This insurance covers accounts at the Credit Union up to $250,000 per member, per ownership category.

For additional information, you may visit the NCUA's website at www.ncua.gov or the FDIC's website at www.fdic.gov.

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