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MSUFCU | Personal | Credit Cards

Financial Freedom with MSUFCU Visa Cards

MSUFCU Visa Credit Cards are the ideal go-to card for everyday purchases, emergencies, or as a backup to protect your checking account from overdrafts. Choose the card that’s right for you – enjoy our lowest rate with MSUFCU’s Platinum Visa or earn cash back with MSUFCU’s Platinum Plus Visa.

Apply for your MSUFCU Visa Credit Card!Whether you’re traveling, fueling up your car, or paying bills, you earn 1% cash back when you use your Platinum Plus Visa. That’s right, you’ll earn 1% cash back on ALL purchases, no exceptions! Your cash back never expires and you can redeem your cash back at any time — for any amount.1


Plus, receive 0% APR on balance transfers to your MSUFCU Platinum Plus Visa for six months. After six months, your balance transfer rate will revert to your standard rate, between 12.9% APR and 17.9% APR.2


Our Platinum Plus Visa features an interest rate as low as 12.9% APR3 and offers the following benefits:

  • No application, annual, or balance transfer fees
  • $0 fraud liability
  • 24/7 access via the MSUFCU Mobile app, ComputerLine, and MoneyLine
  • Automatic Travel Accident Insurance when you use your Visa Credit Card to make travel arrangements


Redeem your cash back at any time, in any amount, 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.


2 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution’s credit card. After 6 months, rate will revert to your standard rate, between 12.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.


3 12.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member’s credit score.

MyDesign Card

NEW! MyDesignSM Card Now Available!

Create a card that's as unique as you with MSUFCU's new MyDesignSM Card, available for select MSUFCU Visa Debit and Credit Cards.


MSUFCU's MyDesignSM Card allows you to upload an image of your choice or select a preloaded graphic from the Image Gallery within the MSUFCU MyDesignSM Visa Card Creator in ComputerLine! Click here to view image guidelines and terms and conditional for your MyDesignSM Card.


Your card information will remain the same; only the image on the card will change. Your name and card number will be printed on your new MyDesignSM Card, instead of embossed like traditional cards, giving it a new sleek look!


Create your own MyDesignSM Card

At Home:

  • Login to ComputerLine. Under the Manage section select MyDesignSM Visa Card Creator.
  • Follow the instructions to upload an image and create your MyDesignSM Card, or select an image from the MyDesignSM Image Gallery.
  • You'll receive an eMessage within one (1) business day with the approval status of your card image.
  • Then your MyDesignSM Card will be mailed to you.


MSUFCU Routing Number: 272479663

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