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.

 

 

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. IRAs can offer great tax advantages. 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. 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!



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The Coverdell Education Savings Account (CESA) is an account that allows individuals to save money for a child's education. Contributions are non-deductible but feature tax-free, penalty-free withdrawals for certain educational expenses before the beneficiary reaches age 30.

  • Annual contribution limit of $2,000
  • Qualified education expenses include tuition and certain related expenses required for enrollment in a course at an eligible educational institution. Student-activity fees and expenses for course-related books, supplies, and equipment are included if the fees and expenses must be paid to the institution as a condition of enrollment or attendance.

Open a CESA


Open a CESA at any MSUFCU branch, or visit our IRA Service Center by clicking the button below.