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Routing Number: 272479663
Swift Code: MSUCUS44
 
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SmartLine Home Equity Loan
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Loans & Visa
Vehicle Loans
Need a loan for a new car, RV, boat or motorcycle? We offer low rates and flexible terms.

Home Loans
Our Home Loan options include mortgages, refinancing, construction, and home equity loans. We offer low rates, flexible terms, and as little as 3% down.

Visa Credit Cards
We offer three types of credit cards. Our Visa Signature offers tiered rewards - 3%,2%,1%. Our Platinum Plus Visa offers 1% cash back, and our Platinum Visa offers 0% APR on balance transfers during the first six months.

Personal Loans
From weddings to new computers and unexpected expenses, we have personal loans to help pay for just about anything! Skip the fees and fixed rates, design your loan terms around your needs, and save money!
Lowest Loan Rate
Students receive our lowest loan rates for credit cards, cars, computers, and more, regardless of credit score or even if they don't have credit established.
Flexible Terms
Design your loan terms around your needs, and save money.

Apply in the Mobile app
On-the-go? With just a few taps of your finger, you can apply for a loan from anywhere with our mobile app.
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How do I apply for a vehicle loan?
Applications can be submitted online by logging into your account via ComputerLine and selecting "Apply for a Loan" or by logging into the Mobile App and selecting "Apply for a Credit Card or Loan". You are also welcome to contact us over the phone at 517-333-2424 or visit any MSUFCU branch location.
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If I am approved, how do I pay the dealership?
Upon approval of an auto loan with MSUFCU, and after receiving your signed MFLA form and any loan contingencies are met we will issue a cashier's check. Before issuing a cashier's check, we will ask for the following information:

• Vehicle identification number (VIN)
• Year, make, model and color of vehicle
• Current mileage
• Any additional special features the vehicle may have
• Dealership or seller's name and phone number

You will be able to provide the check to the dealership or private seller, for the purchase of your vehicle.
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How do I make payments to my loan?
There are several options available to make loan payments. We offer manual one time payments or automatic payments based on your preference, and you may pay from an internal MSUFCU account or directly from another financial institution. Please note that if you have financed a vehicle through financing through the dealership prior to being a member, you will initially need to login to your new MSUFCU account. Please reach out to a representative for assistance if needed.

Members can choose:

• Internal transfer from an MSUFCU share using MoveMoney > Transfer Money in ComputerLine or the Mobile app. MoveMoney can also be used to schedule reoccurring payments from an MSUFCU savings or checking account.
• Manual one-time payment from an external account which can be initially set up by going to MoveMoney > Manage Preferences > External Transfers/ACH Accounts
• Automatic recurring payments from another financial institution by completing an ACH Origination form which can be located on our website here
• Loan payment by mail.

MSU Federal Credit Union
PO Box 4097
East Lansing, MI 48826-4097

For express mail, please send your payment to:
MSU Federal Credit Union
3777 West Rd.
East Lansing, MI 48823

To find your loan payoff amount please contact us for assistance.
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What interest rate do I qualify for? / What interest rate can I get?
You can view our current interest rates here. The term of the loan, and your Experian Credit Score, will affect the interest rate that we will be able to offer. We would be happy to review a full application over the phone at 517-333-2424, by starting a chat with Fran, in an MSUFCU Branch location, or you can apply online when logged into ComputerLine by selecting "Apply for a Loan".
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What is Guaranteed Asset Protection (GAP)?
GAP, or Guaranteed Asset Protection, is a service offered by MSUFCU for additional coverage on your vehicle. If elected on an eligible vehicle loan, the $799 GAP fee can be paid in full or added to your loan. In the event that the vehicle is deemed a total loss due to accident or theft, GAP may reduce or eliminate the remaining balance on the loan after the insurance payout has been applied. Additionally, our GAP includes Deductible Assistance. If your vehicle has a comprehensive or collision claim but not deemed a total loss and you have paid your deductible to your primary insurance carrier, Deductible Assistance will cancel the amount of deductible paid, up to $500, on your loan.

If you have any specific questions about any details or costs associated with GAP, please reach out to an MSUFCU Representative.

Click here to learn more.
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