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Routing Number: 272479663
 Swift Code: MSUCUS44
 
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For Grads, by MSUFCU

Build Credit Responsibly

Learning the ins and outs of managing credit cards can be confusing. But don't worry, MSUFCU can help.

New Chapter, New Ride

Now's the perfect time to get behind the wheel of a new ride and put some extra cash in your pocket.

Exclusive Offers Just For You

You've earned the diploma, now enjoy the perks! As you enter the next phase of your life, remember that we're here to help make that transition as smooth as possible.

Grad Specials
Direct Deposit
Set up your new direct deposit of $500 or more to an MSUFCU checking account and receive $100.1

Relocation Loan
Help make a move less stressful whether you need to hire movers or put a down payment on an apartment with a Relocation Loan for $1,000 or more and earn $25.2

Auto Loan
Open an Auto Loan for at least $20,000 and receive $100.3

VISA Credit Card
Open -- or upgrade to -- a Platinum Plus Visa Card Credit Card or VISA Signature® and receive $50 when you make 10 qualifying purchases within 30 days of card approval.4

Savings Builder℠
Help grow your savings this year when you open a Savings Builder℠. When you maintain a $1,500 balance for 90 days, you'll earn $15.5

Insured Money Management Account (IMMA)
Open an IMMA, for quick and easy access to your savings, and make at least $2,500 in new deposits and maintain that balance for 90 days and receive $10.6
Take Us with You
You don't have to change financial institutions just because you're graduating. Wherever life takes you, MSUFCU goes with you. Download the MSUFCU Mobile app to access your account from anywhere. Make transfers, pay bills, check your credit score, eDeposit checks, and easily transfer money to other members using Member2Member℠.

Member2Member℠ is a secure, simple and free way to instantly send money to MSUFCU members. All it takes is a phone number or email - it's that easy! Watch a short video on how Member2Member℠ works!
Learn about MSUFCU Mobile

Additional Resources

MSUFCU is committed to helping you stay informed and connected. Check out our additional resources to find the answers and opportunities you are looking for.

FAQsCareersLoans
Disclosure
1 MSUFCU members who graduated from Michigan State University in December 2024 will receive $100 deposited to their MSUFCU savings accounts when they add new direct deposit of their net paycheck of $500 or more between 1/20/25 and 4/30/25. Must have 2 consecutive direct deposits to qualify. Allow 6 weeks after the second direct deposit for $100 to be deposited. Member is responsible for applicable taxes, and any other costs not listed. May not be combined with other deposit offers. Account must be in good standing to receive $100 deposit.

2 MSUFCU members who graduated from MSU Federal Credit Union in December 2024 will receive $25 deposited to their MSUFCU savings accounts when opening a relocation loan between 1/20/25 and 4/30/25. Offer valid on relocation loans of $1,000 or more opened during the promotional period. Promotion does not apply to existing MSUFCU relocation loans. May not be combined with any other relocation loan offers. Qualifying member will receive $25 deposited into their account within 4-6 weeks of loan disbursal. Member is responsible for applicable taxes, and any other costs not listed. Account must be in good standing to receive $25 deposit.

3 MSUFCU members who graduated from Michigan State University in December 2024 will receive $100 deposited to their MSUFCU savings account when opening an auto loan between 1/20/25 and 4/30/25. Offer valid on auto loans of $20,000 or more opened during the promotional period. Offer valid for loans of new or used autos and auto loans refinanced from other institutions. Promotion does not apply to existing MSUFCU auto loan refinances. May not be combined with any other auto loan offers. Qualifying member will receive $100 deposited into their account within 4-6 weeks of loan disbursal. Member is responsible for applicable taxes, and any other costs not listed. Account must be in good standing to receive $100 deposit.

4Offer begins at midnight ET 10/1/24 and ends 11:59 p.m. ET on 4/30/25 for accounts in good standing. If deferral is set up during the loan process, principal or interest payments are not required for 90 days from the date of loan funding. Interest will accrue, and the original loan termination date will be extended three months. Offer valid 10/1/24 - 4/30/25. Offer not valid on leases, MI Saves, and internal refinances on existing MSUFCU loans.

5 MSUFCU members who graduated from Michigan State University in December 2024 will receive $50 deposited to their MSUFCU savings accounts when they open or upgrade to a new cash back Platinum Plus VISA Credit Card or VISA Signature® Credit Card between 1/20/25 and 4/30/25 and make at least ten qualifying purchases within 30 days of card approval. Balance transfers and cash advances are not considered purchases. Allow 6 weeks from the date of the tenth qualifying purchase for $50 to be deposited. May not be combined with other credit card offers. Member is responsible for applicable taxes, and any other costs not listed. Account must be in good standing to receive $50 deposit.

6 MSUFCU members who graduated from Michigan State University in December 2024 will receive $15 deposited to their MSUFCU savings account when they open a Savings Builder with a minimum deposit and make at least $1,500 in new deposits and maintain balance of at least $1,500 for 90 days between 1/20/25 and 4/30/25 will receive $15. Annual Percentage Yield (APY) effective 1/20/2025. Rates subject to change at any time. Allow 6 weeks after the 90-day mark for $15 to be deposited. Member is responsible for applicable taxes, and any other costs not listed. May not be combined with other deposit offers. Account must be in good standing to receive $15 deposit.

7 MSUFCU members who graduated from Michigan State University in December 2024 will receive $10 deposited to their MSUFCU savings account when they open an Insured Money Management Account (IMMA) with a minimum deposit and make at least $2,500 in new deposits and maintain balance of at least $2,500 for 90 days between 1/20/25 and 4/30/25 will receive $10. Annual Percentage Yield (APY) effective 1/20/2025. Rates subject to change at any time. Allow 6 weeks after the 90-day mark. Member is responsible for applicable taxes, and any other costs not listed. May not be combined with other deposit offers. Account must be in good standing to receive $10 deposit.
So far in 2025, we've saved our members $6,389,002 in loan interest by refinancing their high-rate loans from other institutions to MSUFCU.
Learn how we're helping members save
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800-678-4968
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    Routing Number: 272479663
    Swift Code: MSUCUS44

    If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-678-4968 for assistance.  All products and services available on this website are available at all MSUFCU full-service locations.