MSUFCU Routing Number: 272479663


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MSU Federal Credit Union | Personal | Credit Cards

Financial Freedom with MSUFCU Visa Cards

Low interest rates, unparalleled member service, and clear, straightforward terms are just a few of the advantages of MSUFCU's Visa Credit Cards.

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Platinum Plus Visa Card Options
MyDesign Card Options


MSUFCU's Platinum Plus Visa Card is the perfect choice if you do not normally carry a credit card balance. Reward yourself with MSUFCU’s Platinum Plus Visa Credit Card. Enjoy rates as low as 12.9% APR and receive 1% cash back on all of your purchases!1

  • Credit limits from $2,500 to $50,000
  • 25-day grace period on purchases paid in full
  • No annual or balance transfer fees
  • $1,000,000 Travel Accident Insurance when you use your Visa Credit Card to make travel arrangements
  • Remote access through ComputerLine, the MSUFCU Mobile app, and MoneyLine
  • Overdraft protection for your checking account 
  • Worldwide access to funds at participating institutions

Apply for Your MSUFCU Visa Credit Card!



Earn Cash Back with Platinum Plus Visa
Every time you use your Platinum Plus Visa at the grocery store, restaurants, or anywhere else Visa is accepted, you earn a full 1% cash back. Your cash back never expires and you may redeem your cash back at any time — for any amount.

Redeem your cash back at any time via ComputerLine, the MSUFCU Mobile App, at a branch, or by calling 517-333-2424 or 800-678-4968.


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

12.9% to 17.9%
based on your credit worthiness

APRs for Balance Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (12.9% to 17.9%), based on your creditworthiness. 

APRs for Cash Advances 

12.9% to 17.9%
based on your creditworthiness

Penalty APR and When It Applies 


The Penalty APR is applied if your account becomes delinquent 60 days. 

How Long Will the Penalty Rate Apply? The Penalty Annual Percentage Rate will apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at



Transaction Fees

  • International transaction and cash advance fees

1% for ATM transactions
3% for all other transactions calculated after the transaction has been converted to U.S. dollars

Penalty Fees

  • Late Payment

$25 if the minimum payment due is $25 or more;

$15 if the minimum payment due is $15 to $24.99; or

$0 if the minimum payment due is less than $15.

Other Fees 

  • Returned Convenience Check



How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."


Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.


1 Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases.