MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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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 Visa Card Style Options
MyDesign Card Options

Experience greater purchasing power with MSUFCU's Platinum Visa. This credit card offers an interest rate as low as 8.9% APR along with the following benefits:

 

  • 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 via ComputerLine, MoneyLine, the MSUFCU Mobile app, and Green on the Go® mobile banking
  • Overdraft protection for your checking account
  • Worldwide access to funds at participating institutions

 

Apply for Your MSUFCU Visa Credit Card!

 
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% - 17.9% based on your creditworthiness

APRs for Balance Transfers

8.9% - 17.9% based on your creditworthiness

APRs for Cash Advances 

8.9% - 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)."



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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. Use this credit card to earn 1.00% back on purchases and enjoy a rate as low as 12.9% APR!

  • 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, MoneyLine, and Green on the Go® mobile banking
  • Overdraft protection for your checking account 
  • Worldwide access to funds at participating institutions

Apply for Your MSUFCU Visa Credit Card!

 

 

More about Platinum Plus Rewards


How to Earn Points
Every time you use your Platinum Plus Visa at the gas station, grocery store — anywhere Visa is accepted, you’re earning points. For every $1.00 you spend with your Platinum Plus Visa, you’ll earn one (1) point.* Save your points and redeem them at your convenience.

 

Ways to Redeem Your Points
You may redeem your points for cash,** airline tickets, hotel reservations, gift cards to major retailers, downloadable music, and more! You may also redeem your points to donate funds to a list of university and local charitable organizations.

 

Earn More When You Shop Local
Receive a minimum of 5% back on purchases made with your Platinum Plus Visa at participating local businesses.*** You’ll continue to receive 1% back on all other purchases made with your Platinum Plus Visa.
See a list of participating Shop Main Street businesses in your Platinum Plus Visa Rewards account within ComputerLine.

 

Managing Your Points Is Easy
Simply login to your account via ComputerLine to access your Platinum Plus Visa rewards. After logging in, view your point balance and redeem points. It’s that easy!

 

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

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

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)."

 

 

*Members will earn one (1) point for every $1 of net purchases. Points are 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 points. Returns result in the loss of points equal to amount returned. Negative points will be given if returns or credits exceed purchases.

 

** If the funds are being deposited into the members' account, it must be to a savings, checking, or loan account under the same base account number. The minimum amount of cash that can be redeemed is $25.

*** All participating Shop Main Street businesses are required to provide a minimum of 5% back to all MSUFCU Platinum Plus Visa Credit Card holders who use his/her Platinum Plus Visa for purchases at those locations. Actual incentives will be determined by the business and will be posted on the Shop Main Street website. In order to receive the Shop Main Street bonus points, members must use his/her Platinum Plus Visa Credit Card at the time of purchase. Points are 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 points. Returns result in the loss of points equal to the amount returned. Negative points will be given if returns or credits exceed purchases.



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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.

 

MSUFCU Platinum Plus Visa for TeensReceive 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

Apply for Your MSUFCU Visa Credit Card!

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% - 17.9% based on your creditworthiness

APRs for Balance Transfers

8.9% - 17.9% based on your creditworthiness

APRs for Cash Advances 

8.9% - 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)."