MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44
Individual Retirement Accounts (IRAs)
MSUFCU has the long-term savings options to help you save for retirement, higher-learning, or health care expenses.
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.
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:
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!
The Simplified Employee Pension (SEP) Plan IRA is a retirement plan established by an employer or self-employed individual that offers higher contribution limits than a standard Traditional IRA. SEP Plans provide employers with a simplified way to contribute funds toward an employee's retirement or, if self-employed, his or her own retirement. Amounts contributed and earnings offer tax deferred growth until withdrawn. Contribute at any age as long as you receive income.
Open a SEP Plan IRA
Open a SEP Plan IRA at any MSUFCU branch, or visit our IRA Service Center by clicking the button below.
Individuals already enrolled in employer-sponsored pension plans will not be eligible for the SEP Plan IRA.