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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!

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Apply Now for an MSUFCU Vehicle Loan Refinance!

Paying too much on your high-interest auto loan at another financial institution? Save money by refinancing with MSUFCU.1 We offer low, fixed rates, no application fees, and a choice of terms from 36 to 72 months to help lower your monthly payments. Estimate a Payment.


Refinanced Auto Loan Rates2

Loan Terms APRs 
Up to 36 months as low as 2.190% APR
37 to 48 months as low as 2.490% APR
49 to 60 months as low as 2.740% APR
61 to 72 months as low as 3.290% APR


Auto loans currently held at MSUFCU will be increased by $2,500 when refinanced. The vehicle must have at least $2,500 in equity for the loan to be refinanced.

2Annual percentage rate (APR) as of  February 01, 2016. 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 2.59% APR for a term of 36 months would require 36 monthly payments of $28.90 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.