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Routing Number: 272479663 Swift Code: MSUCUS44
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Insured Money
Management Account (IMMA)

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Insured Money Management Account (IMMA)
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Insured Money
Management Account (IMMA)
An IMMA allows you to have immediate access to your funds, while earning higher dividends on balances of $2,000 or more.

• No minimum opening balance requirement
• $50 minimum opening balance for the IRA/HSA IMMA
• $2,000 minimum balance to start earning dividends

Unlimited Withdrawals
You may make as many of the following transfers per calendar month as you would like:

• Transfers or withdrawals made in person at a branch, by mail or at an ATM
• Withdrawal by check mailed to the depositor, requested by telephone call, MoneyLine or ComputerLine
• Automatic payment of service fees at MSUFCU
• Automatic transfers for the repayment of loans at MSUFCU

Electronic Transfer of Payment
An IMMA is a savings account and allows six (6) electronic transfers out of the account per month. The following transactions are included in the limit of six (6) transfers out:

• Overdraft transfers
• Telephone transfers
• Checks written checks from IMMA must be for a minimum of $500 each
• ComputerLine, MoneyLine, and mobile app transfers
• Pre-authorized or automatic payments or transfers to third-party companies

How to Open
Login to ComputerLine, select Manage from the top menu, and click Add a Savings or IMMA Account under the Create or Modify Accounts section.

4.78 stars out of 5
518 Member Reviews
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Great Account
5 stars out of 5
This is the best way to save money, the interest is great!
I lover MSUFCU...
2 stars out of 5
and have banked with them for over 30 years. But their IMMA rates are too low. Until you reach tier 9 ($5,000,000), return on savings is below the rate of inflation. That is, at lower tiers, to save money with MSU is to lose money. Many on-line banks do much better.
Great Saver
5 stars out of 5
Great federal backed saver.
Could Be Comparable To Online Banks Interest Rate
3 stars out of 5
Again, it could be better regarding the interest rate for this savings account. The interest rate is not competitive enough.
Great account
5 stars out of 5
MSU FCU is a great financial institution, been doing our finances here since 1986