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Routing Number: 272479663 Swift Code: MSUCUS44
 
Open Your Wallet
 
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Instant Cash Line-of-Credit
as low as
10.90% APR
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Instant Cash Line
of Credit
as low as
10.90% APR
Add to Wallet
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Instant Cash Line-of-Credit
What it is
Answer a variety of your borrowing needs with an Instant Cash Line-of-Credit.

Bounce-proof your checking account with your Instant Cash Line-of-Credit. If your checking account balance falls negative, funds will be advanced from your line of credit (in $100 increments) to cover your checking transactions.
What we offer
• Low rate
• No application fees
• No prepayment penalties
• Pay only what you owe for as long as you borrow
Accessing Your Funds
Once your Instant Cash Line-of-Credit is established, access your funds through personalized loan checks, ComputerLine, MoneyLine, Green on the Go mobile banking, the MSUFCU Mobile app, and ATMs.
Tools and Resources
Calculate my payment
FICO® Score
Loan FAQs
Reviews
4.64 stars out of 5
64 Member Reviews
5 stars out of 5
(56)
4 stars out of 5
(2)
3 stars out of 5
(1)
2 stars out of 5
(1)
1 stars out of 5
(4)
81% of reviewers recommend this product
Rate this Product
Overdraft/ emergency
5 stars out of 5
April 2018
Helpful? 0
There when you need it!
5 stars out of 5
This is a wonderful safety net.
October 2017
Helpful? 1
5 stars out of 5
I Love my Instant Cash Account. It's that extra benefit when I need it. I highly recommend it!
September 2017
Helpful? 1
Great product!
5 stars out of 5
Very helpful when I needed funds! Amazing service too!
July 2017
Helpful? 1
Overdraft protection
5 stars out of 5
Great way to keep your checking account from being overdrawn. Has saved me overdraft fees more than once!
July 2017
Helpful? 2
See All Ratings and Reviews
Disclosures
APR is annual percentage rate, and is stated for qualified members having high credit scores. Actual rates may be higher and will be determined by a member's credit score. Rates are subject to change. You will be advised of any change to the loan rate. Once notified, you will have the option to continue payments at the existing rate until the current balance is repaid, or you may continue to access your line-of-credit with payments on your existing balance and additional advances based on the new interest rate.

Get FileElectronic Correspondence Disclosure and Agreement Get FileMulti-Featured Loan Agreement
Get FileFee Schedule Get FilePrivacy Policy
Get FileDocuSign Disclosure
Live Chat with MSU Federal Credit Union representatives Live Chat with MSU Federal Credit Union representatives Live Chat
Contact MSU Federal Credit Union Contact MSU Federal Credit Union Contact Us
517-333-2424
800-678-4968
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    Routing Number: 272479663
    Swift Code: MSUCUS44

    If you are using a screen reader or other auxillary aid and are having problems using this website, please call 800-678-4968 for assistance.  All products and services available on this website are available at all MSUFCU full-service locations.