Just because you're graduating, doesn't mean you need to close your MSUFCU account!
Receive a free business card holder1 when you are approved for any of the following services at MSUFCU:
A new- or used 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 job offer or current employment.
Use your home’s borrowing potential with a Prime Advantage Home Equity Line-of-Credit1 from MSUFCU. Use the equity in your home to help you achieve your goals by taking advantage of rates as low as 3.50% APR.2 Plus, for a limited time, receive $100 and enjoy 0% APR for 6 months on a NEW MSUFCU Home Equity Line-of-Credit.3
• Consolidate higher-rate loans
• Pay for a vacation
• Improve your home
• Anything else you may need
Applying is easy!
Stop by any branch, call 517-333-2266 or 800-678-6967, or apply via ComputerLine.
1 Only Michigan owner-occupied properties are eligible. Consult a tax advisor about the deductibility of home equity loan interest. MSUFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss. 2 Annual Percentage Rate (APR) as of March 1, 2016, and is stated for members with high credit scores. Actual rate may be higher and will be determined by the loan-to-value ratio and the member’s credit score. This product has a variable rate that is based on market rates (Prime plus a margin). Your margin will be between 2.00% APR and 7.00% APR. Your overall rate (Prime plus margin) will never be below 2.00% APR, and will never exceed 18.00% APR. Market rates are subject to MSUFCU's Floor Rate. 3 Annual Percentage Rate (APR) of 0% is valid on draws made between March 1 and April 30, 2016, and will be in effect until October 30, 2016. APR of 3.50% is the lowest rate offered for Home Equity Line-of-Credit. Rate is variable. Actual rates may be higher and will be determined by member’s credit score. In order to receive the $100 incentive, you must open a new Home Equity Line-of-Credit and make a minimum draw of $10,000 between March 1 and April 30, 2016. $100 will be deposited to your account within 1-2 weeks. A balance of at least $5,000 must remain on the loan for a minimum of three months or the incentive may be revoked.
Do you want to earn more on a portion of your savings? Now is a great time to consider depositing money from your IMMA or a portion of your tax refund into a Certificate. MSUFCU’s 7-Year Certificate offers a rate of 2.07% APY,1 so you can grow your funds and save for your future goals.
It's easy to open your 7-Year Certificate:
1. Online through ComputerLine. Click the Manage menu, then Add a Certificate under Create or Modify Accounts.
1Annual Percentage Yield (APY) effective 3/1/2016. $2,500 minimum opening deposit. Early withdrawal penalty of 365 days of dividends applies if funds are withdrawn prior to maturity. An early withdrawal could reduce your initial investment. Rate subject to change at any time. See our Certificates page for complete Certificate details.
Sign into ComputerLine to refer new members to MSUFCU and earn rewards for doing so. Every time a new member joins the Credit Union using your unique referral code, you’ll both receive a special thank you reward. Rewards will vary, and may include cash, gift cards, or MSUFCU-branded items (the reward may change periodically).
What are you waiting for? Sign into your ComputerLine account to get your unique referral code and start referring members today!
New member must qualify for membership at MSUFCU to join. New member and referring member will receive promotional reward in effect on open date of new account. In the case of a cash offer, reward will be deposited into both accounts within 24 hours of when new member’s account is opened. In the case of an item offered, item will be mailed within five (5) business days. Referring member’s account must be in good standing with MSUFCU in order to receive referral reward. To qualify for referral reward, new member cannot have closed an MSUFCU account within the last six (6) months, and cannot have any existing MSUFCU accounts. MSUFCU reserves the right to revoke referral program privileges at any time. Referring member and new member must both meet minimum criteria before the reward is disbursed.
MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44
Michigan State University Federal Credit Union
savings are Federally insured to at least $250,000 by the
and backed by the full faith and credit of the United States Government.
APR = Annual Percentage Rate. *APY = Annual Percentage Yield.
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