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Routing Number: 272479663 Swift Code: MSUCUS44
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SmartLine Home Equity Loan
SmartLine Home Equity Loan

Offers and Promotions

Current Promotion
Home and Garden Show Exclusive Offer
SmartLine℠ Home Equity Loan Special
March 11, 2023 - May 31, 2023
MSUFCU's SmartLine Home Equity Loan -- a variable-rate home equity line of credit with the option to lock segments into a fixed-rate loan -- is a great resource to help you budget and fund large expenses.

Ready to apply? Mention this offer when applying via phone at 517-333-2424 extension 2266 or note it within your online application when applying within ComputerLine® to receive $100 off your SmartLine℠ closing cost fee -- reduced to just $99! To apply online, select Apply For a Loan then Home Loans. This offer is good through May 31, 2023.

Offer to reduce closing costs from $199 to $99 is valid for SmartLine Home Equity Loans opened between 3/11/23 and 5/31/23. Must present this coupon in person or mention over the phone or chat to receive this offer. One SmartLine Home Equity Loan per household. Eligible properties include primary residences; owner-occupied second homes; condos; modular and manufactured homes; and one- to four-unit buildings with owner occupancy in one of the units.
Properties must be located within Michigan. Consult with a reliable tax advisor about the deductibility of home equity loan interest. Closing cost of $199 plus property valuation fee. You may only lock a segment of your loan during your draw period. There is no fee for the first segment; however, you will be charged
a $25 fee for each subsequent segment. A fee of $25 will apply to requests to unlock a segment. Balances on segments reduce the availability on the line of credit. Your locked segment fixed interest rate will be determined based on your creditworthiness at the time your fixed-rate segment is approved. Actual APR will be determined by member's credit score at the time of the loan request. Rate subject to change. This product has a variable rate that is based on the market rate (prime plus margin). Your margin will be between 2.00% APR and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00% APR, nor will it exceed 18.00% APR. Offer is nontransferable and cannot be combined with any other offer. Visit