Browser Compatibility: For the best experience on our website, please upgrade to the current version of CCBot. Click here to learn more.
MSUFCU Alert
In observance of Memorial Day, the Credit Union will be closed Monday, May 29.
Routing Number: 272479663
Swift Code: MSUCUS44
 
MSUFCU | Personal | Checking & Savings

Checking & Savings Accounts

MSUFCU offers a variety of checking and savings options to suit your needs.


Checking Accounts


From free checking accounts to dividend-earning checking accounts, MSUFCU has the checking options you've been looking for. Make the most of your account by signing up for eStatements and using MSUFCU's Visa Debit Card - the perfect companions for MSUFCU's Checking accounts.



Savings Accounts


 

MSUFCU has savings options to help you make the most of your money. Whether you're looking for a basic savings account or a higher-yield option, MSUFCU has accounts to fit your financial needs.


An IMMA allows you to have immediate access to your funds, while earning higher dividends on balances of $2,000 or more.

  • Unlimited deposits
  • Dividends calculated daily and paid monthly1
  • 24/7 account access via ComputerLine, the MSUFCU Mobile app, MoneyLine, and CO-OP Network ATMs
  • Funds are insured for at least $250,000 by the NCUA

 

Requirements


  •  No minimum opening balance requirement
    • $50 minimum opening balance for the IRA/HSA IMMA
  • $2,000 minimum balance to start earning dividends

 

Unlimited Withdrawals


You may make as many of the following transfers per calendar month as you would like:

  • Transfers or withdrawals made in person at a branch, by mail or at an ATM
  • Withdrawal by check mailed to the depositor, requested by telephone call, MoneyLine or ComputerLine
  • Automatic payment of service fees at MSUFCU
  • Automatic transfers for the repayment of loans at MSUFCU

 

Electronic Transfers or Payments


An IMMA is a savings account and allows six (6) electronic transfers2 out of the account per month. The following transactions are included in the limit of six (6) transfers out:

  • Overdraft transfers
  • Telephone transfers
  • Checks written checks from IMMA must be for a minimum of $500 each 
  • ComputerLine, MoneyLine, and mobile app transfers
  • Pre-authorized or automatic payments or transfers to third-party companies

 

Open an IMMA


Login to ComputerLine, select Manage from the top menu, and click Add a Savings or IMMA Account under the Create or Modify Accounts section.

Or, leave a secure message in your ComputerLine account, at any  MSUFCU Branch, or by calling 517-333-2424 or 800-678-4968.

 

1 Dividends will not be earned any day the account balance falls below the $2,000 minimum.
2 This refers to transaction limitations under Regulation D.