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Routing Number: 272479663
Swift Code: MSUCUS44
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Savings Accounts
Save more and earn more at MSUFCU. From standard savings and money market accounts to Certificates, we have a variety of dividend-paying accounts to fit your needs.

You'll have free 24/7 account access through our Mobile app and ComputerLine. And, you'll have surcharge-free access to more than 30,000 ATMs nationwide. Save more and earn more with the account that's right for you.

Check out the new Savings Builder℠ account!
With the new Savings Builder℠ account you can earn more as you start saving.
Earns Dividends
Save more with MSUFCU's dividend-earning accounts, from traditional savings accounts to Certificates. Find the one that fits your needs!
24/7 Account Access
Conveniently manage your account with the MSUFCU mobile app, ComputerLine or one of over 30,000 surcharge-free ATMs nationwide.
Transfer/Withdrawal Access
Easily move money between your MSUFCU savings account and your other accounts.

Spartan Saver

MSUFCU's Spartan Saver is the required savings account for all members and allows you to save your money while earning dividends.

Insured Money Management Account (IMMA)

Earn a higher dividend with an IMMA on balances of $2,000 or more. Dividends are paid monthly and you can make additional deposits at anytime.


Maximize your savings with higher earnings. Certificates are the perfect savings tool with terms from three months to five years, you choose the term that fits with your savings goals.

Savings Builder

Help is here when you need to start building your emergency fund. Savings Builder℠ pays you more on your initial savings to help pay for life's events even faster.

Holiday/Vacation Account

Set aside savings in your Holiday/Vacation account to easily save for holiday gifts or a trip across the pond! The Holiday/Vacation account is limited to two withdrawals per year.

IRAs and HSAs

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

How can I open an account?
You can open an account online, by phone at 517-333-2424 or 800-678-4968, or you can stop in to any MSUFCU branch.

To open an account in a branch we will need a valid form of identification, personal information such as your social security number, address, income information, phone number, and email address.
Can I have multiple savings accounts?
Yes, you can open up to 10 additional Spartan Saver accounts under the same account number. Plus, you can name them whatever you want! For example: vacation, wedding, new puppy, the names are limitless.
How can I access my account?
There are several ways you can access your account:

• Use the MSUFCU Mobile app, ComputerLine®, or MoneyLine for 24-hour account access. Including eDeposit to remotely deposit checks, Member2Member to instantly transfer funds, manage your account and complete transactions, pay bills, set up travel information, lock and unlock cards, find ATMs, and more.

• Use ATMs for deposits and withdrawals. As a member of the CO-OP Network, you have access to nearly 30,000 surcharge-free ATMs across the U.S.

• Visit a Shared Branch to conduct a limited amount of transactions.

• Arrange for direct deposit with your employer directly to your MSUFCU account.

• Your MSUFCU Visa Debit Card can be used for worldwide access to your checking account.

• Contact our Call Center, Chat with Fran, or Video Chat, to receive assistance with setting up online account access, perform a variety of transactions, apply for a new loan, or to receive additional account information.
How are savings account rates determined?
There is one central bank for the United States -- The Federal Reserve, also known as the Fed. One of the many roles of the Federal Reserve is to establish a strong, yet contained economy. The interest rates for loans at financial institutions are influenced by the Federal Reserve's decisions to raise or lower rates.

For example, as the Federal Reserve raises interest rates, consumers are typically charged more in interest to borrow money for loans. Rates rise for auto loans, home loans, credit cards and personal loans. That means the total cost for loans goes up. This often discourages people from borrowing because they don't want to pay a lot of money in interest for a new home, vehicle or any other type of loan.

Financial institutions pay you to keep your money in savings, and other accounts. Dividend or interest rates often increase or decrease in response to changing loan rates. This means if the Federal Reserve raises rates, a loan will usually have a higher interest rate. However, in return, people may receive better rates of return for the money they keep in savings accounts. This often encourages people to save more aggressively because of the potential to earn more on savings.

Typically, the Federal Reserve raises interest rates when the economy is stronger and more people have jobs with the goal of avoiding inflation. The assumption is that people who want loans will be able to afford higher interest rates and are less likely to borrow unnecessary money because it will cost more. Additionally, people will often save more money during this time and create more individual financial stability. Rates will generally be lowered when the economy is slower in an effort to encourage more people to take out loans and spend money.

In summary, when rates are raised or decreased, this impacts both loan and savings rates. Generally, higher rates indicate a stronger economy with the goal of encouraging saving, while lower rates are sign of a weaker economy to help aid spending abilities.
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