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.

Your GCB accounts will be converted to MSUFCU systems on September 12, 2026. Beginning at 4:00 p.m. CT on Friday, September 11, access to your Gold Coast accounts will be read-only until conversion of your applicable accounts is complete. Personal account conversion is expected to be completed Saturday morning, and business account conversion is expected to be completed Saturday evening.

We're committed to making your transition to MSUFCU a smooth and well-supported experience. As your September 12, 2026 system conversion approaches, we'll continue providing the information, resources, and advance notice you need every step of the way.

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, debit or credit card number, CVV number, PIN, or token activation code. When accessing your account after system conversion, 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. While the acquisition is complete, your system conversion will occur on September 12, 2026. Until then, you may continue using your accounts as you do today.

September 12, 2026 System Conversion

Your Gold Coast accounts and loans will be converted to MSUFCU systems on September 12, 2026. Beginning at 4:00 p.m. CT on Friday, September 11, access to your Gold Coast accounts will be read-only until conversion of your applicable accounts is complete. Personal account conversion is expected to be completed Saturday morning, and business account conversion is expected to be completed Saturday evening. Please follow the instructions in your Personal or Business Account Conversion Guide for additional information.

To help you prepare, we've mailed you one or more Change in Terms Notices and Account Conversion Guides based on the accounts and services you have with us. Electronic copies of those communications are 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

Access Your Existing Accounts

Continue using your existing Gold Coast account access until 4:00 p.m. CT on Friday, September 11. Beginning at that time, account access will be read-only until conversion of your applicable accounts is complete.

Existing Account & Loan Support

Questions about or servicing of your existing accounts and loans before system conversion on September 12, 2026.

MSUFCU Locations

The Gold Coast Office remains available through September 11. Beginning September 12, account owners may visit the MSUFCU Division Street branch across the street or another MSUFCU branch for in-person service.

Personal Account Conversion Guide

Review the Personal Account Conversion Guide and cover letter mailed to consumer account owners to prepare for system conversion.

Business Account Conversion Guide

Review the Business Account Conversion Guide and cover letter mailed to business account owners to prepare for system conversion.

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 are changing 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 will my accounts be converted to MSUFCU's systems?

Gold Coast Bank became part of MSU Federal Credit Union on May 1, 2026. Your Gold Coast accounts and loans will be converted to MSUFCU systems on September 12, 2026. Beginning at 4:00 p.m. CT on Friday, September 11, access to your Gold Coast accounts will be read-only until conversion of your applicable accounts is complete. Personal account conversion is expected to be completed Saturday morning, and business account conversion is expected to be completed Saturday evening. Account owners with an email address on file will receive an email when conversion of their applicable accounts is complete. Please review your Personal or Business Account Conversion Guide for additional information.

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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 six months 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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