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Routing Number: 272479663
 Swift Code: MSUCUS44
 

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Totally Green Checking
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SmartLine Home Equity Loan
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Home Improvement Loan
Build your deck, update your bathroom or renovate your kitchen without breaking your budget. MSUFCU unsecured Home Improvement Loan offers you the low-cost financing you need.

• Rates as low as 9.99% APR
• Pay only what you owe for as long as you borrow

Looking for a contractor but don't know where to start? Download our Preferred Contractors list to get started.

Apply online by clicking "Add to Wallet" below, in ComputerLine or the MSUFCU Mobile app, by calling 800-678-4968, or at a branch near you.
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Reviews
4.90 stars out of 5
374 Member Reviews
5 stars out of 5
(362)
4 stars out of 5
(2)
3 stars out of 5
(2)
2 stars out of 5
(1)
1 stars out of 5
(7)
295 reviewers recommend this product
Rate this Product
Terrible interest rates
1 stars out of 5
Would never do this again.
September 2026
Helpful? 0
Easy
5 stars out of 5
Easy process to apply and great rates
August 2026
Helpful? 0
Beautiful
5 stars out of 5
August 2026
Helpful? 0
Loan
5 stars out of 5
Thanks for the fast approval
April 2026
Helpful? 0
Very Happy
5 stars out of 5
MSUFCU has always made us feel like family. I have a life long credit union that I belong to. But, this establishment is always been so welcoming and helpful. So happy they put one by us. Thank you!
October 2025
Helpful? 0
See All Ratings and Reviews
APR is annual percentage rate, and is subject to change. Your rate will depend on your credit score and the term. The loans subject to credit approval.

Loan Payment Example: The monthly payment per $1,000 borrowed at 9.99% APR for a term of 36 months would require 36 monthly payments of $32.26 based on 30 days to first payment. . Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

Get FileElectronic Correspondence Disclosure and Agreement Get FileMulti-Featured Loan Agreement
Get FileSchedule of Service Charges Get FilePrivacy Notice
Get FileDocuSign Disclosure Get FileConsumer Caution and Home Ownership Counseling Notice Get FileElectronic Correspondence Disclosure and Agreement Get FilePayCard Agreement and Disclosure Get FileMortgage Information Get FileNationwide Mortgage Licensing Systems IDs Get FileHome Mortgage Disclosure Act Notice Get FileReconsideration of Value
So far in 2026, we've saved our members $3,602,680 in loan interest by refinancing their high-rate loans from other institutions to MSUFCU.
Learn how we're helping members save
Contact MSU Federal Credit Union Contact MSU Federal Credit Union Contact Us
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    Routing Number: 272479663
    Swift Code: MSUCUS44

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