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MSU Federal Credit Union | Personal | Youth & Students

Youth & Student Accounts


MSUFCU offers accounts designed specifically for our younger members ages 0-17 and for MSU & OU students. Our Youth and Student Accounts focus on financial education and developing positive financial history and habits.


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MSU Students

We know you're busy studying, working, and socializing. MSUFCU has you covered with FREE accounts and services created just for college students that make handling your finances easy.

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Financial 4.0 is part of MSU Federal Credit Union's ongoing effort to provide free, useful, and relevant financial resources to current MSU students and young alumni.


Created for MSU students, the Financial 4.0 website and app feature blogs, videos, contests, and a place for the MSU student community to connect, share, and get answers about our money matters.

Download on the App Store     


MSUFCU partnered with MSU to create financial education tools specifically for students, and we’re excited to share with you the new financial education mobile app and videos powered by MSUFCU. is a free mobile app available for iOS and designed for college students, offering a variety of financial tips and tools.

  • Learn how to build good credit
  • Receive budgeting tips
  • Discover ways to minimize fraud
  • Learn how to boost your savings
  • Browse a glossary of financial terms
  • Use financial calculators

Financial Education Videos
Along with the mobile app, we have also created a series of financial education videos covering a variety of topics tailored to students including: budgeting, student-targeted scams, travel tips, savings tips, and protecting yourself from identity theft. These videos will be available on MSUFCU’s YouTube channel.

Youth Accounts

Start the kids in your life out on the right financial path. MSUFCU offers accounts that focus on the importance of saving and make learning about your account fun!

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MSUFCU's Cha-ching! account is designed especially for members ages 13-17. The Cha-ching! account helps teens identify and prioritize their personal money management goals, develop a budget, track income and spending, and helps them understand the cost of using credit.


FREE Charging Station!
Make sure your teen always has 24/7 account access with our mobile app and this FREE charging station* when your teen opens a new Cha-ching! account.1 A Cha-ching! account includes a Spartan Saver account and with parental/guardian permission can include a Totally Green Checking account with the following features:
  • ATM Card
  • Free box of paper checks
  • eStatements
  • Visa Debit Card
  • ComputerLine Access


Visit the Cha-ching! website with videocasts, a blog, tips on money, special calculators, events, contests, and much more!


*$50 deposit is required to receive the free power bank.

1A parent/legal guardian or related adult must be joint on a child's Cha-ching! account and complete the online application. Read MSUFCU's Children's Online Privacy Protection Act Policy.