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Routing Number: 272479663
Swift Code: MSUCUS44
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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



  •  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.