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Routing Number: 272479663 Swift Code: MSUCUS44
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SmartLine Home Equity Loan
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If you're just beginning to save for retirement, looking for a place to transfer your existing retirement account, or searching for an account that can be used to pay for current or future healthcare expenses, please review our options below.

Signature Loan

Use a Signature Loan to contribute to a new or existing MSUFCU Traditional or Roth IRA. Contributions must not exceed annual limits.

Coverdell Education Savings Account

The Coverdell Education Savings Account (CESA) is an account that allows individuals to save money for a child's education.

Simplified Employee Pension (SEP) Plan IRA

SEP Plans provide employers with a simplified way to contribute funds toward an employee's retirement or, if self-employed, his or her own retirement.

Roth IRA

A Roth IRA gives you the ability to invest your after-tax dollars today and take qualifying withdrawals tax free after five years on deposit and if you are at least age 59 1/2, disabled, or are a first-time home buyer.

Traditional IRA

A Traditional IRA allows for tax deferred growth of contributions and earnings to be tax deferred until you withdraw them at retirement, when you may be in a lower tax bracket.

Health Savings Account

A Health Savings Account, or HSA, is an IRA-like account that is designed exclusively for covering medical expenses incurred by the person who establishes the account and his or her dependents.

MSUFCU does not offer tax advice. Be sure to discuss your specific tax situation with your tax advisor.

Contributions to your Roth IRA may be limited by your filing status and income. Be sure to discuss your specific tax situation with your tax advisor.

Individuals already enrolled in employer-sponsored pension plans will not be eligible for the SEP Plan IRA.

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