MSUFCU Routing Number: 272479663

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MSU Federal Credit Union | Personal | Loans

Loans for All Your Needs

Apply Now for an MSUFCU Auto Loan!Whether you're purchasing a home, refinancing your car, or need extra cash for unexpected expenses, we've got you covered.

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Vehicle Loans

If you're shopping for a car, truck, motorcycle, RV, boat, or personal watercraft, MSUFCU can help. We offer great low rates, no application fees, no prepayment penalties, and flexible terms to fit your budget. Stuck in a high interest loan? Refinance your current vehicle with MSUFCU today and enjoy lower rates!

Home Loans

If you’re in the market to purchase or build a home, MSUFCU has the tools to help you reach your goals.  We offer competitive rates and various loan options to meet your needs. View our mortgage timeline.

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Apply Now for an MSUFCU Mortgage!Secure your home loan at a lower rate for the first 1 to 5 years. Adjustable-Rate Mortgages are perfect for short term home ownership, large payments towards the loan in the first few years, or for members simply looking to save money with a lower fixed rate for the first 1 to 5 years. Select from 1-1, 3-1 and 5-1 ARMs for 15- or 30-year terms. Estimate a payment.



Adjustable Rate Mortgages are fixed for the term selected. For example, the 3-1 ARM is fixed at a lower rate for 3 years and 1 indicates the rate will adjust annually (1). The rate can adjust 2 points per year with a maximum cap of 6 points total over the life of the loan.

Eligible Properties

Primary residences, owner-occupied, second homes, condos, modular and manufactured homes, and 1-4 unit with owner occupancy in one of the multi-unit buildings. Properties must be located within Michigan.

Mortgage Amounts

  • Minimum loan amount: $10,000
  • FreddieMac/FannieMae limit: $417,000 (updated annually).
  • Jumbo loan limit: $1,000,000


Down Payment Options

If your down payment is less than 20% of your home's value, Private Mortgage Insurance (PMI) is required. Private Mortgage Insurance financially guarantees your loan with your mortgage lender and is an insurance generally accepted in the mortgage industry.*

95/5 Financing (5% Down Payment, PMI Required)
95% of your loan with your primary MSUFCU Mortgage 
5% provided by applicant

20% Down-Conventional (No PMI)
80% of your loan with your primary MSUFCU Mortgage
20% provided by applicant


*Not all loans qualify for Private Mortgage Insurance. A down payment of at least 5% is required for all mortgages.



New! Bi-Weekly Mortgage Payments Available

Save money and pay off your MSUFCU mortgage faster with bi-weekly mortgage payments. This new, FREE feature allows our members to make mortgage payments via automatic deduction every two weeks, paying down the mortgage's principal balance much faster than with monthly payments. On average, a 30-year mortgage will be paid off 4–5 years earlier with bi-weekly payments!


Equal Housing LenderContact MSUFCU online or at 517-333-2210 or 866-678-3328 to set up bi-weekly mortgage payments today!


Personal Loans

MSUFCU offers a variety of personal loans and lines of credit with great low rates and flexible terms to fit your budget and your financial needs.