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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Offers and Promotions

Current Promotion
Your Refund Plus Some Sweepstakes
Tax season just got a little more exciting!
February 1, 2024 - April 30, 2024
Send your tax refund to your MSUFCU account with direct deposit by April 30, 2024, and you could win $1,000.1

Get your tax refund -- plus a little extra -- this tax season!

How You Could Win:

1. Select direct deposit as your refund disbursement option.

2. Provide the MSUFCU routing number (272479663) and your account number. This information can be found under "My Profile" in ComputerLine® and the mobile app.

3. Submit your return.

4. Once the funds have been deposited to your account, you'll be entered to win $1,000!


Get an Extra Entry by Opening a Savings Builder℠ Account

When you open a Savings Builder -- a savings account that currently features a Tier 1 rate of 5.25% APY2 -- you'll get an extra entry into the Your Refund Plus Some drawing for $1,000.

Learn more about Savings Builder here.
Disclosures
Fine print:

PROMOTION PERIOD
The MSUFCU Your Refund Plus Some Contest begins at midnight ET 2/1/24 and ends at 11:59 p.m. ET 4/30/24.

ELIGIBILITY
No purchase or transaction is necessary, and there is a limit of one entry per account. Employees and immediate family members of MSUFCU and contest sponsors, as well as MSUFCU board and committee members and their immediate family members, are not eligible.

WINNER SELECTION/ODDS
Winner will be drawn 5/13/24 by the MSUFCU Internal Audit department, whose decision is final. Chances of winning are based on the number of entries received. If 1,000 entries are submitted, chances of winning are 1 in 1,000. Winner will be notified by email and/or phone and have 5 business days to respond. Failure to respond in 5 business days will result in the selection of a new winner. Winner must sign a release form to receive prize.

HOW TO ENTER
To enter, you must have your IRS tax return deposited to your MSUFCU checking account using direct deposit. Direct Deposit must come from the Federal Treasury and is for Federal tax returns only. State tax returns do not qualify for the Your Refund Plus Some promotion. An additional entry into the drawing is awarded if member opens a new Savings BuilderSM account during the promotional period of 2/1/24 - 4/30/24. Savings Builders are limited to one Savings Builder per account. You also may send a 3-inch by 5-inch card with your name, address, phone number, email address, and promotion name to: MSU Federal Credit Union, ATTN: Marketing, 3777 West Rd., East Lansing, MI 48826-9946.

PRIZES AND ACTUAL RETAIL VALUES
The prize package is valued at $1,000.

Prizes may not be substituted or transferred. MSUFCU is not responsible for:
• Lost, late, illegible, mutilated, or misdirected entries
• Entries not received in time for the selection of the winner
• Technical hardware or software
• Lost or unavailable network connections
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this contest

Liability for any applicable federal, state, or other taxes will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by MSUFCU.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To allow MSUFCU, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are the exclusive property of MSUFCU.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.

GENERAL CONDITIONS
MSUFCU reserves the right to modify, suspend, and/or terminate this contest should viruses, bugs, nonauthorized human intervention, or other causes beyond the control of MSUFCU, corrupt or impair the administration, security, fairness, or proper play of the contest. In case of suspension or termination, a notice will be posted, and, at MSUFCU's discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. MSUFCU reserves the right to disqualify any entrant if his/her fraud or misconduct affects the integrity of the contest or fails to remain in good standing with MSUFCU.

MSU Federal Credit Union maintains the right to change or modify these rules at any time without notice. MSUFCU is not responsible for any typographical or other error in the printing of the offer, administration of the contest, or in the announcement of any and all prizes. By participating, entrants agree to these official rules and to the decisions of the results of the contest, which will be final and binding in all respects.

Any legal challenge to this promotion must be filed within 6 months of the end of the promotion. Such legal challenge will be waived if not filed within such period. Participation in the promotion constitutes a participant's agreement to the 6 month limitation period.

CONTACT INFORMATION
If you have any questions, please contact us at:
MSUFCU Marketing Dept., 3777 West Rd., East Lansing, MI 48826-9946 or 800-678-4968.

ADDITIONAL ENTRY WITH A SAVINGS BUILDER
One additional entry is awarded when a Savings Builder account is added to the account during the promotional period. Each member account is limited to one Savings Builder per account. Must have an active checking account to be eligible for a Savings Builder account. Annual Percentage Yield (APY) of 5.25% APY is Tier 1 and effective 1/16/24. The Savings Builder is a tiered rate account which pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. The following tier rates are as of 1/16/24 and may change: Tier 1 - 5.25% APY; Tier 2 - 3.75% APY to 5.25% APY; and Tier 3 - 1.31% APY to 3.75% APY. Rates subject to change at any time. For example, if you had a daily balance of $3,000 in your Savings Builder account, you would earn the Tier 1 rate on the first $999.99, the Tier 2 rate on dollars $1,000 through $1,999.99, and the Tier 3 rate on dollars $2,000 through $3,000. The APY range for Tier 3 assumes a daily balance of $3,000. A higher daily balance will result in a lower APY being earned. No minimum balance required to open a Savings Builder account or to earn dividends. Limit one Savings Builder account per account. Youth accounts, business accounts, Individual Retirement Accounts, and Health Savings Accounts are not eligible for a Savings Builder account. Rates are variable and may change after the account is opened. Fees may reduce earnings.