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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Financial Freedom with MSUFCU Visa Cards

as low as
9.90% APR
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Platinum Visa
as low as
9.90% APR
 
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Platinum Visa Credit Card
What we offer
• Low rate
• No application fee
• No annual fee
• 0% APR balance transfers to your new Platinum
Visa for 6 months
Free Quarterly FICO® Score

Balance Transfers
Move your high-rate balances to your low-rate MSUFCU Visa Credit Card and save money while making one low monthly payment.

Plus, you never pay a balance transfer fee, helping to save you even more money when consolidating your credit card payments.

Contact us and we can transfer your balances electronically, issue cashier's checks to transfer your balances, or issue you blank checks that you can complete and send to your other creditors.



Reviews
4.83 stars out of 5
911 Member Reviews
5 stars out of 5
(850)
4 stars out of 5
(25)
3 stars out of 5
(6)
2 stars out of 5
(6)
1 stars out of 5
(24)
Rate this Product
Great Card!
5 stars out of 5
Always there when I need it!
Total Junk
1 stars out of 5
Awesome and easy!
5 stars out of 5
Great interest!
5 stars out of 5
Card has a 9.9-17.9% variable apr, I currently have 12.9 with 0 missed payments over the past 4 years or so. Super low interest compared to most cards, so it's perfect!
Having a photo on your Visa card is part of identifying the user when the card is used at a counter.
5 stars out of 5
I'm glad MSU came up with this great idea.
Cardmember Agreements
Get FileVisa Credit Card Agreement and Truth-in-Lending Disclosure Get FileAccount Agreement and Disclosure
Get FileAuto Rental Collision Damage Waiver Get FileMulti-Featured Loan Agreement
Get FileDocuSign Disclosure Get FileUSA Patriot Act
Get FileVisa Gift Card Disclosure Get FileMyDesign Image Guidelines and Terms & Conditions
Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees
Get FileVisa Periodic Disclosure Get FileMSUFCU Affinity Credit Card Agreement with Michigan State University
Get FilePlatinum Visa for Teens Agreement Get FileRoadside Dispatch Disclosure

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

9.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member's credit score.

Balance Transfer Offer Details
1 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.