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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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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.
MATURITY
MINIMUM INITIAL DEPOSIT
ANNUAL PERCENTAGE YIELD
DIVIDEND PAID
MINIMUM BALANCE TO EARN DIVIDENDS
ADDITIONAL DEPOSITS
PENALTIES AND TAXES
TRANSFER/ WITHDRAWAL ACCESS
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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.
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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.
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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, Live Chat, or Video Chat, where they can can help you perform a variety of transactions, apply for a new loan, and provide assistance and information.
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Who controls the rates of savings accounts?
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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