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Auto LoansGet the car of your dreams today with an MSUFCU auto loan for both new and used vehicles.
Vehicle Loans Need a loan for a new car, RV, boat or motorcycle? Start with MSUFCU. We'll get you preapproved in as little as 20 minutes
Business LoansBusiness lending options for business owners looking to expand with secured loans, lines of credit, Visa credit cards, business car loans, and startUP loans.
Personal LoansOur personal loan options are flexible for anything you may need.
ChangedChanged makes mortgage, auto, personal loans, and student loan debt repayment effective and pain-free through the empowerment of everyday decisions.
New, Used, Refinance and Cash Out Refinance Auto Loan RatesView all of our New, Used, Refinance and Cash Out Refinance Auto Loan Rates.
New, Used, and Refinance Motorsport RatesView all of our New, Used, and Refinance Motorsport Rates.
New, Used and Refinance Recreational Vehicles & Boats RatesView all of our New, Used and Refinance Recreational Vehicles & Boats Rates.
New, Used, Refinance and Cash Out Refinance Motorcycles (600cc or greater) RatesView all of our New, Used, Refinance and Cash Out Refinance Motorcycles (600cc or greater) Rates.
New, Used, Refinance and Cash Out Refinance Business Auto Loans RatesView all of our New, Used, Refinance and Cash Out Refinance Business Auto Loans Rates.
Graduating Student ProductsWherever life takes you, MSUFCU moves with you. Make transfers, pay bills, eDeposit checks, and more.
Insurance and Debt Protection ServicesWith a variety of reputable insurance companies to choose from, MSUFCU members can enjoy exclusive insurance services available at discounted rates.
Home Loan OptionsMake your house a home with convenient home loan options: mortgage, construction loans, refinances, home equity loans, and home improvement loans.
Graduating StudentsAs you enter the next phase of your life, remember that MSUFCU is here to help. We offer our graduating students low-rate credit cards, auto loans, and more.
Vacant Land LoanWhether buying land to build a new home or for recreational use, MSUFCU's Vacant Land Loan is available for property in Michigan and Illinois.<br />
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Home Loans Special OffersUnlock exclusive savings with Home Loans Powered by MSUFCU, including $500 off closing costs for first-time homebuyers!
Digital ProductsThrough the lab, we've brought emerging financial technology (fintech) to our membership via short-term pilot programs and research opportunities.
Loan PaymentsAuto Loan Calculator
Student Loan PaymentsStudent Loans Calculator
Term EquipmentTerm Equipment
International StudentsWhether you're new to college, a soon-to-be graduate, or internationally-based, MSUFCU offers services for every kind of student.<br />
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Personal LoanA loan made for students to help pay for any school-related expense or program like study abroad and alternative spring breaks.
Relocation LoanMoving out of town? Use our relocation loan to help pay for moving costs, or anything else that comes with moving.
Holiday LoanCover your upcoming expenses with the Holiday Loan.
Flex LoanMSUFCU's short-term alternative to those times when unexpected expenses or emergencies arise and cash is needed.
Happy MoneyMSUFCU welcomes Happy Money users to explore additional products and services.
ConstructionPlanning to build your ideal home? Work with your builder to pick the plans, colors, and trim - we'll help with the financing for the build.
Business Lines of CreditBusiness Lines of Credit
First Time Home Buyer MSUFCU offers resources to help make the step toward homeownership easier.
Community NewsCommunity News
Visa Credit Card OptionsMSUFCU has three Visa Credit Card options to help you earn more cash back and have a low interest rate.
Security News Article 8Security News Article 8
Pillur BusinessMSUFCU's Pillur Business
Smart Money MovesFinancial stability doesn't happen overnight, and starting is the first step. Whether you are focused on saving, reducing debt, or protecting what you have worked hard to build, these smart money moves can help you start the year with clarity and intention.
Mortgage The best home loans at the lowest rates.
Debt Consolidation LoanReduce your stress and pay off your high-rate loans from other institutions with MSUFCU Debt Consolidation Loan.
College of Osteopathic Medicine Student LoanMSUFCU offers loans for students enrolled at least half-time in MSU's College of Osteopathic Medicine.
Michigan Assistive Technology Loan A partnership lending program of Michigan State University Federal Credit Union and United Cerebral Palsy of Michigan, offering financial loans for assistive technology
MSU Grad Specials...auto loan A Relocation Loan for $1,000 or more A new MSUFCU Visa Credit Card or $1,000 increase to your current limit An Instant Cash Line-of-Credit for $1,000 or more, or $1,000 increase to your current limit 1 Offers available to MSU winter 2015 graduates (exp. 12/31/16) and MSU spring/summer 2016 graduates (exp. 5/31/17). Special rates may not be combined with any other offers. Proof of income required, such as recent...
MSUFCU Awarded Two CUNA Diamond Awards...(CUNA) Marketing & Business Development Council for two of its direct mail campaigns. The Credit Union received a Category's Best Diamond Award for its 'Credit Myths Mailer' and a Diamond Award for its 'Gen Y Auto Loan Mailer.' The CUNA Diamond Awards recognize creative excellence and outstanding results in credit union marketing. Marketing campaigns are judged on strategy, creativity, design and production, copy and communication, and results. "We're...
Professional Mortgage LoanWe offer resources to help make the step toward homeownership easier.
dreamBIGReasons to Join MSUFCU
Our StoryWe create an equitable environment of inclusion where all people are empowered to bring their full authentic selves.
MSUFCU Chicago ExpansionWe are excited to announce our expansion to Chicago, with five new branch locations opening in 2024!
Financial Education ProgramsFinancial Education Programs
MSUFCU Career TypesLearn about the different types of roles at MSUFCU and decide which career path is right for you.
Business IMMAMSUFCU's Business Insured Money Management Account earns higher dividends on savings with competitive high market rates and easy access to funds.
Sparrow Virtual BranchThis virtual branch gives you access to a wide range of financial products and services aimed at helping you dream BIG to achieve your financial goals. We have 12 full-service branches and over 100 ATMs in Greater Lansing, along with robust online and mobile banking services so you can access your account at any hour.
MSUFCU Dreams In Action: Year of ImpactMSUFCU strives to have a wide reach with our community partnerships, so every member and community resident is positively impacted by our efforts. Our giving supports Arts and Culture, Conservation and Environmental programs, DEIB, Financial Education, Health and Wellness, Housing, and Youth Development....
For SpartansWelcome to MSUFCU - The Only Credit Union Built by Spartans, for Spartans MSU Federal Credit Union (MSUFCU) has been a part of the Spartan journey since 1937. The only financial institution right on MSU's campus, we focus on Spartans. • Member exclusive access to free and discounted tickets • Special loan products for MSU students • Access to digital products through the lab at MSUFCU • Show your Spartan...
Gold CoastWe are excited to welcome Gold Coast customers to MSU Federal Credit Union (MSUFCU). Our team will work diligently to make your transition to MSUFCU effortless.
Loan...not reflect any guarantee of expected savings or tax advantages. All user input is private and secure. We don't collect any of the personal information that you provide or save any of the outputs. All loans are subject to approval and credit terms may vary. You may wish to consult a reliable financial advisor....
Mortgage...not reflect any guarantee of expected savings or tax advantages. All user input is private and secure. We don't collect any of the personal information that you provide or save any of the outputs. All loans are subject to approval and credit terms may vary. You may wish to consult a reliable financial advisor....
Credit Card...not reflect any guarantee of expected savings or tax advantages. All user input is private and secure. We don't collect any of the personal information that you provide or save any of the outputs. All loans are subject to approval and credit terms may vary. You may wish to consult a reliable financial advisor....
Savings...not reflect any guarantee of expected savings or tax advantages. All user input is private and secure. We don't collect any of the personal information that you provide or save any of the outputs. All loans are subject to approval and credit terms may vary. You may wish to consult a reliable financial advisor....
MSU Summer Pay...not reflect any guarantee of expected savings or tax advantages. All user input is private and secure. We don't collect any of the personal information that you provide or save any of the outputs. All loans are subject to approval and credit terms may vary. You may wish to consult a reliable financial advisor....
MSUFCU Reaches Milestone: $3 Billion in Assets...year-end 2015. MSUFCU reached $2 billion in assets in 2011. This milestone comes with significant loan, member, and facility growth throughout the last several years. In 2015, the Credit Union reached $2 billion in loans and 208,000 members. Additionally, it celebrated the ground breaking of its second building on the headquarters campus and the opening of its 15th branch. Last year, the Credit Union also announced its plans to...
Frequently Asked Questions
Which loans can I use Skip-A-Pay with?...auto loans, RV loans, boat loans, motorsport vehicle loans, Home Improvement loans, computer loans, personal loans, Instant Cash, and Visa Credit Cards. Skip-A-Pay cannot be used for first mortgages, Home Equity loans, leases, flex loans, or business loans. You can apply to Skip a Pay by contacting us via live chat, by phone at 517-333-2424 or 800-678-4968, eMessage, or you can stop in to any MSUFCU branch....
How are savings account rates determined?...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...
What are my options at the end of my lease?...trade in, sell or turn in your auto. Each option and what fees associated with each are listed below. For full terms and conditions, consult your lease agreement or contact us. 1. Purchase the auto (Buy Out) • This is a worthwhile option when the vehicle is worth more than the payoff balance. • If you are looking to buy the vehicle without the usage of a loan, please...
Why was I not automatically approved for a Flex Loan?...Flex Loan which include being an MSUFCU Member for at least 6 months, as well as having direct deposit of payroll into your Credit Union account. Even if a member meets these two requirements, the auto approval process looks at other items such as credit score, and payment history. These loans are reviewed by an MSUFCU Representative if the member was not auto approved, to ensure that we are making...
What is an Auto Lease?auto lease is a method of obtaining a vehicle that involves paying for only a portion of the auto's actual cost instead of having to pay for the vehicle in its entirety. To lease a vehicle, you simply make a small down payment followed by monthly payments for the term of the lease. When the term expires, you can choose to return, purchase, or trade in the vehicle....
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