MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

MSUFCU Alert

In observance of Independence Day, the Credit Union will be closed on Sat., 7/4. Our branch in the MSU Union will also be closed Fri., 7/3.

 

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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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MSUFCU is transitioning to a cash-back only rewards program. During our transition period (July 1 - July 7, 2015), you will be unable to view or redeem your earned rewards, but you will continue to earn them as you make purchases. We apologize for any inconvenience this outage may cause.

Starting Tuesday, July 8, you will be able to redeem your rewards for cash back via the MSUFCU Mobile app, ComputerLine, at any MSUFCU branch, or by calling 800-678-4968.

 


 

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.

 

Starting July 8, you'll be able to 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 

17.9%

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 www.consumerfinance.gov/learnmore.

 

Fees 

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

$25 

 

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.



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Credit Rebuild VisaMSUFCU's Credit Rebuild Visa is designed for members who need assistance rebuilding their credit. This credit card is unique in that it allows you to build a positive credit history from the start by paying down the credit card's balance.
 

After three years of making on-time payments to your Credit Rebuild Visa, you can graduate to MSUFCU's Platinum Visa Credit Card!
 

An MSUFCU loan officer will be happy to discuss if the Credit Rebuild Visa is right for you and how this card can help you get your credit back on track. Contact us with any questions you may have about MSUFCU's Credit Rebuild Visa.

 


Credit Rebuild Visa Features


  • Credit limits from $1,000 to $2,5001
  • 17.9% APR
  • No annual fees
  • 24/7 account access with ComputerLine and Green on the Go® mobile banking
  • Build a positive credit history
  • Improve your credit score

 

Credit Rebuild Visa Requirements


  • Verified income
  • Suitable net disposable income
  • Restricted savings account with an amount equal to the member's credit limit
  • Card will be issued for three years
  • Must make on-time payments each month
  • Failure to pay 30 days past the Credit Rebuild Visa's due date will result in automatic cancellation of the card

 

Restricted Savings Account — Three Ways to Fund Your Credit Rebuild Visa


  • Member provides full credit limit amount — e.g., for a $1,000 limit, member deposits $1,000 to restricted savings account.
  • Member provides a portion of the credit limit and MSUFCU funds the rest from an advance from the Credit Rebuild Visa. Your Credit Rebuild Visa available limit will be reduced by the amount advanced.
  • MSUFCU advances the full credit limit. Credit Rebuild Visa will have no available limit until you begin making payments to your Credit Rebuild Visa.

 

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

17.9%

APRs for Balance Transfers

17.9%

APRs for Cash Advances 

17.9%

 

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 interest on purchases if you pay your entire balance by the due date of 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 http://www.consumerfinance.gov/learnmore.

 

Fees 

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

$25 


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

 

Credit limit based on member's credit score. Funds for approved credit limit placed in a restricted savings account.