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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
SmartLine Home Equity Loan
Home Loan Options
Knowing where to start with buying or refinancing a home can be confusing. At MSUFCU, we're here for you throughout every step.

Start by applying for a mortgage online in our mortgage center, on the MSUFCU Mobile app, or at a branch. If you're preapproved, enjoy searching for your new home with the assurance that your interest rate is locked in for 90 days. Choose from many options for your loan, including down payments as low as 3%, flexible terms ranging from 10 to 30 years, variable, or fixed rate mortgages, and more.

We offer home loans for owner occupied/vacation homes in the following states:

• Michigan
• Illinois
• Indiana
• Ohio
• Florida

Currently non-owner-occupied, construction, and manufactured home loans are only available in Michigan.
Rate Lock
With a preapproval, you'll lock in your rate for 90 days while you look for the perfect home.
Apply in the
Mobile App
On-the-go looking at houses? With just a few taps of your finger, you can apply for a mortgage from anywhere with our mobile app.
As low as
3% down
With as low as 3% down on your mortgage, you'll be able to save the rest of your money for the expenses that come with owning a new home.
Mortgage Rate
Lower your rate and possibly shorten the term of your loan, a mortgage rate modification may suit your needs.


When you find the one, you know. Let us help you get into the home of your dreams. We offer Conventional, Adjustable, and Jumbo Mortgages.


MSUFCU Construction Loan allows up to five draws and interest only payments during the draw period (up to nine months from the loan origination date). Choose from a fixed-term or ARM Loan.

Home Improvement

Build a deck, update your bathroom, or renovate your kitchen without breaking your budget. An unsecured MSUFCU Home Improvement Loan offers you the low-cost financing you need.


Save money by refinancing your home loan at a lower rate. Plus, a shorter term will lower the amount of interest you pay over the course of your loan.

SmartLine Home Equity Loan

SmartLineā„  has the same great features of the home equity line of credit, but now with the option to lock segments of your loan at the current rate - helping you keep track of your spending while saving money.

Specialty Home Loans

We offer a specialty home loans for First Time Home Buyers, and Professionals. These loans include low down payment options, and provide you the financial flexibility you need.

Home Loan Resources

We're here for you throughout every step of your home loan journey. Here are some additional resources to help.

Do you have home loan calculators?
Yes, we have a variety of calculators to help with mortgage payments, how much you can afford, refinancing, fixed rate vs. variable rate, etc.
What are the down payment options?
For a conventional mortgage, you have several down payment options starting as low as 5% of the sales price. If your down payment is less than 20% of your home's value, Private Mortgage Insurance (PMI) is required. Examples of Down Payment Options 95/5 Financing 95% of your loan is financed with MSUFCU 5% down payment paid by applicant Private Mortgage Insurance Required 20% Down 80% financed with MSUFCU 20% down payment paid by applicant No Private Mortgage Insurance
What fees will I have to pay when I close on my mortgage?
The average closing costs for an MSUFCU mortgage are around $1500 plus the cost of title insurance. This does not include prepaid interest (interest paid in advance on the loan) or escrow reserves (a fund to ensure the escrow account has sufficient funds to pay expenses). The closing costs will vary based upon your mortgage type and the amount financed.
What should I do if I'm having trouble making a mortgage payment?
No matter the reason you've fallen behind on your mortgage payment, MSUFCU wants to help keep you and your family in your home.

Don't wait! If you are having trouble making your monthly payment, act now. Communication with MSUFCU is very important for us to help you maintain your home. Not making your loan payments and not communicating with your lender about your situation can have serious consequences.
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