MSU Federal Credit Union

Bank on the Red Cedar With an Extra $50!

Your time at MSU is about more than finding your path, it's about finding your place.

There's something about coming to campus -- the first walk past the Red Cedar, the mix of nerves and excitement, and the small moments that start to make everything feel familiar.

And right as those routines start to take shape, your Spartan Student Visa® Debit Card helps you settle in and get rewarded along the way. Make 10 transactions within 30 days and earn $50 to kick off your semester strong.¹

From dorm essentials to coffee runs and everyday campus stops, it's an easy way to earn while you plan to come to campus life.

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Who is MSUFCU?

We're the only financial institution on MSU's campus! As a credit union, we offer money-saving products and services to more than 357,000 members.

Build Your Credit History

Our Platinum Plus VISA Credit Card has great features for students, like 1% cash back on all purchases, plus students benefit from our lowest rates.

MSU Parents

We're here for your Spartan as they navigate college life, with products and services designed just for them -- and you.

Fin 4.0

Check out our Financial 4.0 app and website for tools to boost your financial skills and set you up for lifelong success.

Events

We're big on community. See our calendar of events for financial education, fun events, entertainment, and other activities in your community.

Registered Student Organization (RSO) Information

Need help with your student organization's finances? Open an RSO account for access to everything your group needs to stay on solid financial ground.

Why Spartans Bank on the Red Cedar

MSUFCU helps simplify the money side of college, so you can focus more on what matters most.

• $50 Visa Debit Card Offer¹ for everyday spending

• Easy MSUFCU Mobile app for balances, transfers, and quick check-ins between classes

• Budgeting & Money Tools built for real student life

• Branches & ATMs Near Campus whenever you need them

• Support From Your Campus Credit Union

JOIN YOUR FELLOW SPARTANS

Thousands of MSU students already bank with MSUFCU. Because college already comes with enough to figure out, and your finances shouldn't make it harder.

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Your MSU Story Is Just Starting

Bank on coffee runs before class.
Bank on game days and group chats.
Bank on figuring things out as you go.
Bank on the Red Cedar.

Frequently Asked Questions

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My student has an account at my financial institution at home. Why should they open an MSUFCU account?

MSUFCU is convenient. We make it easy for your student to access their account at school and away. Our commitment to helping students succeed during college and beyond includes financial education sessions in their campus neighborhoods and knowledgeable staff that are here to help. Students also receive MSUFCU's lowest loan and credit card rates, even if they don't have credit established.

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Is there a branch on campus my student can use to access their account?

Yes, MSUFCU is the only financial institution on campus with 3 campus branches, 37 campus ATMs, and 22 total branches in Michigan. Give your Spartan easy access to the only ATMs on campus. There are no fees for MSUFCU account holders, saving money for you and your Spartan.

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I am a student and currently have an account with MSUFCU. Do I have to close my account when I graduate?

No. Once you are a member, you are always a member.

View All FAQs

1 Current Michigan State University (MSU) students who are enrolled in the 2026-2027 academic year and open a Michigan State University Federal Credit Union (MSUFCU) checking account with a Visa® Debit Card between 6/1/26 and 10/31/26 and complete at least 10 qualifying debit card purchase transactions within 30 days of account opening will receive a $50 bonus deposited into their Spartan Saver account. Not valid for members with current or previously closed checking accounts. This offer cannot be combined with other checking account offers. Qualifying purchase transactions include point-of-sale purchases using a physical debit card or a digital wallet linked to the debit card. ATM transactions, transfers, refunds, credits, and person-to-person (P2P) payments are not eligible. Transactions must post to the account within 30 days of account opening to qualify. The $50 bonus will be deposited into the member's Spartan Saver account within 4 weeks after the qualifying 10th debit card purchase transaction is completed. Bonus may be taxable and reported on an IRS Form 1099-INT or 1099-MISC.

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