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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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MSHDA (Michigan State Housing Development Authority)

Michigan Housing Development Authority (MSHDA) makes home ownership possible for first-time home buyers with limited income.


30-year fixed-rate term with low or no down payment (escrow required).



Eligible Properties*

Primary residences, owner-occupied and approved condos located within Michigan.

Income limits: $62,100 for a 1-2 person household and $62,800 for a 3 or more person household.

New or existing home purchase price: $188,400.


*Income and purchase price limits are subject to change based on location. Income limits do not apply to the Down Payment Assistance Program see for the DPA limits.


Rural Housing Loans

Apply Now for an MSUFCU Mortgage!The Guaranteed Home Loan program provides homeownership opportunities to low and moderate-income families. Eligible properties must be new or existing stick-built, modulars, condos, or new manufacutred homes from approved dealers. Income limits apply. See loan officer for more information.

  • Up to 102% (with Guarantee Fee) financing based on purchase price
  • 30-year fixed rate term
  • Not restricted to first-time homeowners
  • Seller contributions allowed
  • Property must be in non-urban areas

Equal Housing Lender

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.