MSU Federal Credit Union

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

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

Gold Coast account system conversion to MSU Federal Credit Union (MSUFCU) systems is complete. Consumer account owners should access their accounts through MSUFCU digital banking using the Sign In button on this page or at msufcu.org. Business account owners should access their accounts through Pillur digital banking by visiting pillur.org, selecting Log In, and then selecting Enroll In Online Banking if this is their first login after conversion. Gold Coast online banking remains available in read-only mode through Sunday, September 13.

We're committed to making your transition to MSUFCU a smooth and well-supported experience. Now that system conversion is complete, conversion resources and support information remain available below.

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 at the MSUFCU Division Street branch or another MSUFCU 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, debit or credit card number, CVV number, PIN, or token activation code. When accessing your account, use the account access links on this page or at msufcu.org, or the official mobile app identified in your conversion materials.

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

May 1, 2026 Transition

On May 1, 2026, Gold Coast Bank became part of MSU Federal Credit Union. Gold Coast consumer account conversion to MSUFCU systems and business account conversion to Pillur systems was completed on September 12, 2026. Pillur is MSUFCU's business banking brand.

September 12, 2026 System Conversion Complete

Gold Coast consumer and business accounts and loans were converted to MSUFCU and Pillur systems on September 12, 2026. Consumer account owners should now use MSUFCU digital banking, and business account owners should now use Pillur digital banking. Gold Coast online banking remains available in read-only mode through Sunday, September 13.

To support your transition, we mailed applicable Change in Terms Notices and Account Conversion Guides based on the accounts and services you have with us. Electronic copies of those communications remain available in the Communication and Resources section below.

Transition Resources

Notices, forms, links, and other transition resources previously provided to Gold Coast account owners are available in the Communication & Resources section below.

Communication and Resources

Consumer Account Access

Access your personal accounts through MSUFCU digital banking. If this is your first login after conversion, follow the initial login instructions in your previously provided conversion materials.

Consumer Account & Loan Support

Need help with your personal accounts, loans, or MSUFCU digital banking? View MSUFCU contact options and support information.

Business Account Access

Access your business accounts through Pillur Online Banking. If this is your first login after conversion, select Enroll In Online Banking and follow the applicable instructions in your previously provided conversion materials

Business Account & Loan Support

Need help with your business accounts, loans, or Pillur Online Banking? View Pillur contact options and support information.

GCB Read-Only Account Access

View your former Gold Coast account information in read-only mode through Sunday, September 13. For current account access and transactions, use MSUFCU digital banking for personal accounts or Pillur Online Banking for business accounts.

Personal Account Conversion Guide

Review the Personal Account Conversion Guide and cover letter for important information about your converted consumer accounts and services.

Business Account Conversion Guide

Review the Business Account Conversion Guide and cover letter for important information about your converted business accounts and services.

Consumer Account Change in Terms

Review the Consumer Account Change in Terms Notice that was mailed to applicable account owners.

Business Account Change in Terms

Review the Business Account Change in Terms Notice that was mailed to applicable business account owners.

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.

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.

Notice of Acquisition Completion

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

Frequently Asked Questions

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

Notice of Name Change and Other Changes

See how names and other references have changed as part of this transition

Original Membership Opt-In Mailing (April 2026)

This original mailed notice is provided for reference. Please refer to Becoming an MSUFCU Member above for the most current information.

"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 were my accounts converted to MSUFCU's systems?

Gold Coast consumer and business accounts and loans were converted to MSUFCU and Pillur systems on September 12, 2026. Consumer account owners should access their accounts through MSUFCU digital banking, and business account owners should access their accounts through Pillur digital banking. Gold Coast online banking remains available in read-only mode through Sunday, September 13. Account owners with an email address on file were sent an email upon completion of their applicable system conversion. Please review your Personal or Business Account Conversion Guide for additional information.

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Are my Credit Union accounts the same as my former GCB accounts?

Your new Credit Union accounts were selected to closely align with your former Gold Coast accounts. In some cases, your new accounts may have different features.

Your deposit and loan account numbers changed as part of system conversion. Please use the account information provided in your conversion materials when establishing or updating direct deposit or ACH transactions.

The MSUFCU routing/transit number is 272479663 for consumer accounts and 072486908 for business accounts. Please refer to your applicable Account Conversion Guide for additional information.

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What should I know about my debit card and checks?

Credit Union Visa debit and ATM cards were mailed before system conversion to replace existing Gold Coast cards. Please follow the activation and use instructions previously provided in your conversion materials.

Existing Gold Coast Bank checks will continue to be processed for six months after system conversion so you can continue using them without interruption. You can order new checks that include your new account number and the appropriate Credit Union routing number. For consumer accounts, that routing number is 272479663. For business accounts, that routing number is 072486908.

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