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MSUFCU | Personal | Loans

Loans for All Your Needs

Apply Now for an MSUFCU Auto Loan!
From cars to homes to anything you need, get the financing you need with an affordable monthly payment from MSUFCU. Because we’re a credit union, our rates are typically lower and that means a lower payment for you. If you don’t see a loan that meets your needs, contact us. Our loan specialists are here to help you find the financing you’re looking for.

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.

Apply Now for an MSUFCU Loan!

Build your deck, update your bathroom or renovate your kitchen without breaking your budget. MSUFCU's unsecured Home Improvement Loan offers you the low-cost financing you need.


  • Loan rate as low as 5.90% APR1
  • No application fees 
  • Pay only what you owe for as long as you borrow
  • No prepayment penalties  


 Access Your Funds

MSUFCU will disburse loan checks made payable to the contractor or supply company. If you are doing the work yourself, the check will be made out to the company from which you purchased your supplies, such as Lowe's or Home Depot.

You will be asked to provide a quote from a contractor or receipts for your materials/supplies. This information may be faxed to our loan department at 517-353-0302.

Loan Requirements

  • Funds must be used to add a permanent fixture to your home such as a sunroom, deck, etc.
  • You will need to submit a quote from a contractor. If you are doing the work yourself, you will need to provide receipts of your materials/supplies. The home improvement store can also fax us a copy of the items you need to purchase


1APR is annual percentage rate, and is subject to change. Your rate will depend on your credit score and the term f the loans subject to credit approval.


Loan Payment Example: The monthly payment per $1,000 borrowed at 5.90% APR for a term of 36 months would require 36 monthly payments of $30.38 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.

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.


MSUFCU Routing Number: 272479663

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