MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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Due to system maintenance, ComputerLine and remote account access will be unavailable on Tuesday, March 3, from 11:00 p.m. ET to midnight. We apologize for any inconvenience.

 

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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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Credit Rebuild VisaMSUFCU's Credit Rebuild Visa is designed for members who need assistance rebuilding their credit. This credit card is unique in that it allows you to build a positive credit history from the start by paying down the credit card's balance.
 

After three years of making on-time payments to your Credit Rebuild Visa, you can graduate to MSUFCU's Platinum Visa Credit Card!
 

An MSUFCU loan officer will be happy to discuss if the Credit Rebuild Visa is right for you and how this card can help you get your credit back on track. Contact us with any questions you may have about MSUFCU's Credit Rebuild Visa.

 


Credit Rebuild Visa Features


  • Credit limits from $1,000 to $2,5001
  • 17.9% APR
  • No annual fees
  • 24/7 account access with ComputerLine and Green on the Go® mobile banking
  • Build a positive credit history
  • Improve your credit score

 

Credit Rebuild Visa Requirements


  • Verified income
  • Suitable net disposable income
  • Restricted savings account with an amount equal to the member's credit limit
  • Card will be issued for three years
  • Must make on-time payments each month
  • Failure to pay 30 days past the Credit Rebuild Visa's due date will result in automatic cancellation of the card

 

Restricted Savings Account — Three Ways to Fund Your Credit Rebuild Visa


  • Member provides full credit limit amount — e.g., for a $1,000 limit, member deposits $1,000 to restricted savings account.
  • Member provides a portion of the credit limit and MSUFCU funds the rest from an advance from the Credit Rebuild Visa. Your Credit Rebuild Visa available limit will be reduced by the amount advanced.
  • MSUFCU advances the full credit limit. Credit Rebuild Visa will have no available limit until you begin making payments to your Credit Rebuild Visa.

 

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

17.9%

APRs for Balance Transfers

17.9%

APRs for Cash Advances 

17.9%

 

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 interest on purchases if you pay your entire balance by the due date of 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 http://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)."

 

Credit limit based on member's credit score. Funds for approved credit limit placed in a restricted savings account.
 



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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.
  • Select to pick up your MyDesignSM Card at any MSUFCU branch or have your card mailed to you.

Or, at an MSUFCU Branch:

  • At the branch ComputerLine kiosk, login to your ComputerLine account and follow the instructions to create your personalized card by selecting an image from the MyDesignSM Image Gallery.
  • When finished, visit the teller line for card approval and to have your MyDesignSM Card printed immediately!