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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800-678-4968 • 517-333-2424
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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 currently 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. Rewards earned prior to 7/1/15 will NOT be lost. They will, instead, be converted to a dollar amount which can be redeemed for cash-back beginning 7/8/15. We apologize for any inconvenience this outage may cause.
 


 

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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Apply for Your MSUFCU Visa Credit Card!

A Platinum Visa Credit Card with a low $500 limit is available for Cha-ching members ages 15–17. A qualified parent joint party is required.

 

Receive a FREE Practical Money Skills for Life CD-ROM when you are approved for a Platinum Visa for Teens Credit Card. This CD-ROM contains great budgeting information and helps you analyze the cost of credit. Other Platinum Visa for Teens card benefits include:

 

  • Establish positive credit history and form good financial habits with the financial institution you trust
  • Low rates and straightforward terms
  • No annual or balance transfer fees
  • 25-day grace period on purchases paid in full
  • Support from MSUFCU's knowledgeable and helpful staff
  • 24/7 remote access through ComputerLine, MoneyLine, and Green on the Go® mobile banking

 

 

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% - 16.9% based on your creditworthiness

APRs for Balance Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (8.9% to 16.9%),
based on your creditworthiness.

APRs for Cash Advances 

8.9% - 16.9% 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.



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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.