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In observance of Thanksgiving Day, the Credit Union will be closed Thursday, November 26.
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Routing Number: 272479663 Swift Code: MSUCUS44
 
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SmartLine Home Equity Loan
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Instant Cash Line
of Credit
as low as
10.90% APR
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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.


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 FileService Fee Schedule Get FilePrivacy Policy
Get FileDocuSign Disclosure
Reviews
4.74 stars out of 5
114 Member Reviews
5 stars out of 5
(101)
4 stars out of 5
(6)
3 stars out of 5
(2)
2 stars out of 5
(1)
1 stars out of 5
(4)
Rate this Product
Line of Credit
5 stars out of 5
Very easy to use and pay back
Reserve funds when needed
5 stars out of 5
The opportunity to have this resource available when needed is perfect.
Lifevsaver
5 stars out of 5
Its embarrassing how often this simple service has saved my life. OD protection is vital
Saved my bacon mote than once.
5 stars out of 5
Recently, after a career transition we struggled to get to the end of the month before reaching the end of the paycheck. Several unexpected expenses drained our rainy day funds. Instant Cash really helped us bridge the gap at the end of the month. Peace of mind is worth a lot. MSUFCU had the right financial product to help us.
Safety Net That Works.
4 stars out of 5
A safety net that works for those who manage their $$$$.