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!

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Apply Now for an MSUFCU Auto Loan!Get more car for your dollar with an MSUFCU auto loan. There are no application fees, no prepayment penalties, and flexible terms with the great, low rates for both new and used vehicles. Estimate a Payment.


 New & Used Auto Loan Rates

 Loan Terms  APRs1
Up to 36 months as low as 2.190% APR
37 to 48 months as low as 2.450% APR
49 to 60 months as low as 2.790% APR
61 to 72 months as low as 3.650% APR



Loan Rates for 2014 & Newer Autos Over $25,000   

Loan Term  APR1
Up to 84 months as low as 4.000% APR


Get Preapproved Before You Shop!
Our preapproval process lets you know your maximum loan limit and gives you a blank ReadyLoan check. When you're ready to buy, fill in the ReadyLoan check and drive home your new car the same day!


1Annual percentage rate (APR) as of . Rates for vehicle loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by a member's individual credit score


Loan Payment Example: The monthly payment per $1,000 borrowed at 2.45% APR for a term of 36 months would require 36 monthly payments of $28.84 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and, conditions are subject to change at any time based on market conditions or other business factors.

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.

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.