Browser Compatibility: For the best experience on our website, please upgrade to the current version of Web Browser. Click here to learn more.

MSUFCU Routing Number: 272479663

ComputerLine - Protected by TrulyU®

Forgot Username? Forgot Password?
MSUFCU Live Chat

800-678-4968 • 517-333-2424
Mon-Fri: 7:00 a.m. - 9:00 p.m. ET
Sat: 9:00 a.m. - 3:00 p.m. ET

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.

Tweet Button

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!

Tweet Button

Apply Now for an MSUFCU RV or Boat Loan!From the open road to the open water, MSUFCU has a loan to help you get the most of your free time. New or used, we offer low rates, no application fees, no prepayment penalties, and the option to pay only what you owe for as long as you borrow. Estimate a Payment.


 New, Used, and Refinanced Recreational Vehicles1

Loan Terms APR
Up to 48 months (2013-2015 only)  
Up to 48 months (2012 and older)  
49 to 60 months (2013-2015 only)
49 to 60 months (2012 and older) as low as 5.000% APR
61 to 84 months (2013-2015 only)  
61 to 84 months (2012 and older) as low as 5.250% APR 
85 to 120 months (2013-2015 only)
85 to 120 months (min. MSRP $12,000) as low as 5.400% APR
121 to 144 months (2013-2015 only)
121 to 144 months (min. MSRP $15,000) as low as 5.500% APR 
145 to 180 months (2013-2015 only)
145 to 180 months (min. MSRP $20,000) as low as 5.750% APR
181 to 240 months 7-Year Balloon (2013-2015 only)
181 to 240 months 7-Year Balloon (min. MSRP $50,000) as low as 6.250% APR 


Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers are all considered recreational vehicles.


1Annual Perentage Rate (APR) as of  February 01, 2016. Rates for RV and boat 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 5.00% APR for a term of 48 months would require 48 monthly payments of $23.03 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.