MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Personal | IRAs & HSAs

Individual Retirement Accounts (IRAs)

 

MSUFCU has the long-term savings options to help you save for retirement, higher-learning, or health care expenses. View current dividend rates.

 

Important Information: New Rules Impacting IRA Rollovers in Effect Beginning January 1, 2015

 

Coverdell Educational Savings Accounts, Health Savings Accounts, Traditional IRAs, Roth IRAs, and SEP Plan IRAs are insured for an additional $250,000.

 

Make saving for your future a possibility with an MSUFCU IRA Loan. Whether you open a Traditional IRA, which provides tax-deferred growth, or a Roth IRA that offers tax-free qualifying withdrawals, both will be beneficial for retirement. Plus, IRAs can offer great tax advantages!1 Fund your IRA with our IRA Loan today!

Borrow up to the amount deposited to an IRA Certificate at a loan rate 2 percentage points above the rate paid on the MSUFCU Certificate you select. 

Example:
If your MSUFCU IRA Certificate rate is 1.50% APY, the loan rate for the IRA Loan will be 3.50% APR

IRA Loan Term:
Term of the Certificate

MSUFCU IRA Loan Amounts:
Minimum: $500
Maximum: $5,500 ($6,500 for catch-up contributors age 50 and over)

 

 

Set Up Your IRA Loan


Call us at 517-333-2222 or 800-678-6967, or stop by any of our branches to set up your IRA Loan today!

 

 

1MSUFCU does not offer tax advice. Be sure to discuss your specific tax situation with your tax advisor.