Enjoy Your College Years. We'll Help You Take Care of Your Finances.
From free checking to low-rate Visa Credit Cards, we're here to help you manage your money.

Welcome, Spartans!

You're a proud Spartan with a bright future. See why students like you choose MSUFCU as their financial institution during school and for life. Whether you're ready to begin building credit, need a new car, want to buy your first home, or start saving for retirement, MSUFCU has the tools and expertise to help you achieve your dreams.

The Credit Union Difference

Not-for-Profit
As a Credit Union, we're not for profit. This means you enjoy lower rates on loans, higher rates on savings, and fewer and lower fees.
Local & Personal
You're not a number, you're a member! Have your individual needs met with unique solutions that are best for you. Need to call us? We pick up on the other end right here in East Lansing.
Community Focused
MSUFCU is a proud supporter of the community. Every year, MSUFCU gives back through charitable donations and time volunteered to make our world a better place.

"I knew that MSUFCU was a better option than a bank. Not only does MSUFCU have some of the best rates and service around, I am so happy to have found an account with minimal fees. I have never been charged a fee at MSUFCU and all my friends say the same thing. Everyone at MSUFCU is so nice and helpful. That they offer MSU students the credit union's lowest rates for first-time credit card users is amazing. It is so convenient to have branches on campus for me to take care of my finances. The free ATMs for account holders are sweet, too."


-Jared D., MSU Senior
Special Offers For College Students
Open your MSUFCU account before September 8, 2017, and you'll receive a free Spartan t-shirt!

Plus, if you apply online, you're automatically entered to win a $500 Gift Card to the Student Book Store*

*T-shirt available while supplies last. First come, first served. New student must open a new account in order to receive free T-shirt. T-shirt will be mailed within 5-7 business days after new student account is opened online or over the phone.

Winner must be an MSU student and open an MSUFCU account online by 8/12/17, to be entered to win. Winner will be randomly selected by MSUFCU's Internal Audit department to receive a $500 Student Book Store gift card. MSUFCU employees, board members, and their families are not eligible to win. Winner will be contacted on 8/17/17 and has 5 business days to respond. If winner does not respond by 8/24/17 a new winner will be selected.
Student Survival Package
Get down to the basics with these two must-haves for every Spartan. Save money, build credit, and show your Spartan spirit with an MSUFCU Totally Green Checking account and Platinum Plus Visa Credit Card. You'll even earn cash back while you're at it.

Totally Green Checking Account
- No Monthly Fee
- No Minimum Balance
- Free Visa Debit Card
- Free Bill Payment
- eDeposit Checks

Platinum Plus Visa Credit Card
- 1% Cash Back on All Purchases
- 12.9% APR
- No Annual Fee
- Accepted Worldwide
24/7 Account Access via the MSUFCU Mobile app, ComputerLine, and eAlerts
MoveMoney on the go, check balances, pay loans, and deposit a check by taking a picture with the MSUFCU Mobile app.

Create new shares, apply for loans, and correspond with MSUFCU staff on ComputerLine.

Get balance updates, check clearing notifications, and recent purchase notifications via text message with MSUFCU eAlerts.

Wherever you are, we're there to assist with your every need.
Fun Fact: MSUFCU is the only financial institution located on MSU's campus.
Financial Education and Internship Opportunities
Have questions about finances? You're not alone! Learn from the experts at one of MSUFCU's many financial seminars and events. MSUFCU offers many resources to help you navigate your personal finances and the financial demands of the real world.

Work for us! If you're looking for a rewarding and hand-on internship, look no further! MSUFCU offers internship opportunities in a number of different departments to help you gain the professional experience that will serve you for years to come.
We're Here to Serve You in College and Beyond
When you've graduated, you can take your MSUFCU account with you. Your Totally Green Checking account stays totally free, and you can continue to enjoy the products, services, and member service you've come to rely on for the rest of your life.

- Checking and Savings Options
- Auto, Motorcycle, and Boat Loans
- Home Loans
- Retirement Savings Options
- Business Accounts
- And much More!

Frequently Asked Questions

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.
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 17 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.
Can I be on my student's account?
Absolutely! If you'd prefer, you can be joint on your student's account, giving you full account access. With your own debit card, it's easy to deposit and withdraw money at ATMs. You can also open your own MSUFCU account and take advantage of the same great products and services as your student.
Is there a minimum balance requirement?
No. There is no minimum balance requirement for the Totally Green Checking account.
How do I deposit money to my student's account?
It's easy to send money to anyone these days. Here are the top five ways to move money from your account to your Spartans MSUFCU account, with instant access to the funds.

•Easy electronic transfers from your financial institution or your MSUFCU account
•eDeposit checks with MSUFCU's mobile app
•Move money from your own MSUFCU account
•Make a deposit at an ATM or at a Shared Branch
•Mail a check to your Spartan or the Credit Union
What happens if they lose their debit or credit card?
Students can call or visit any branch. We can block the lost card and issue a new card immediately. All MSUFCU branches have in-branch card production so there's no waiting for a card to come in the mail. They will walk out of the branch with their new card.
I don't live in the East Lansing area. Are there available branches and ATMs that don't charge a service fee?
Yes. MSUFCU ATMs are part of the CO-OP Network. There are nearly 30,000 surcharge-free ATMs available to you throughout the US, Canada, and Puerto Rico.
Does my student need to close their MSUFCU account when they graduate?
No. Once your student is a member, they are always a member.