MSUFCU Helps Spartans Achieve Their Dreams

Welcome, Proud Spartan Parents!

For years, you've been preparing for the day your child leaves for college and will be living away from home. Even though you won't be there every day, MSU Federal Credit Union can help guide your student and ease your worry. We help Spartans reach their financial goals, no matter how big or small.

"Our son, Jake, opened his MSUFCU account shortly after graduating high school, as he planned to go to MSU in the fall. They have made it very easy for him to access his accounts with ATMs at various locations-on and off campus. He has an off-campus job and can deposit his check right from his smartphone. As a college student working to pay tuition, we are all pleased that there are no fees from MSUFCU for him. Jake has had such a great experience with MSUFCU that my husband and I opened our own account this past spring."


-Jennifer I. MSU Parent
Student, Campus, and Community Engagement
You might have guessed by our name, we're big-time Spartans. And, we're more than just fans, we're supporters of MSU student, campus, and community events. Making a positive impact on your Spartan's future is important. Students have a lot on their plates. To make sure they are successful in the classroom and in the real world, MSUFCU provides free financial education sessions right in their Spartan neighborhood. MSUFCU 's financial education team spends many hours each week speaking at various residence halls, classrooms, student groups, and campus events.

We also support many of the events your Spartan will enjoy as a new student at MSU. Through donations and sponsorships, we partner with more than 450 MSU colleges, departments, and student organizations to help build a better Spartan experience. Off campus, we're just as involved in our community as we are on campus with local races, farmers' markets, festivals and more. Giving back to MSU and our community is our way of saying "Thank You."

MSUFCU is the only financial institution on MSU's campus

The Only ATMs on Campus
Give your Spartan easy access to the only ATMs on campus - 37 in all. There are no fees for MSUFCU account holders, saving money for you and your %info:mascot_single%.
MSU Community Engagement
For 80 years, MSUFCU has been an integral part of the MSU community. We support study abroad scholarships for MSU students, the Broad Artist Studio Series, the MSU Museum, and other culturally enriching programs in Greater Lansing.
Financial Education
To make sure Spartans are successful in the classroom and in the real world, MSUFCU provides free financial education sessions in every Spartan neighborhood.
Giving Back to MSUFCU and our community is our way of saying "Thank You."
MSUFCU employees donated 1,240 hours of volunteer time in 2016
MSUFCU's Financial Educators led 233 education events on campus and in the community.
Accounts Designed for Your Student
Spartan Saver
All it takes to open your student's account is a $5 deposit to the Share Spartan Saver account. Why is it called a 'share' account? That $5 represents ownership share in the Credit Union, because once your student becomes an MSUFCU member, they also become an owner.

Free Totally Green Checking Account
Make life easier for your Spartan, both on and off campus, with a fee-free checking account.
- No monthly fees
- No minimum balance requirement
- Free Sparty Visa Debit Card
- Free Bill Payment
- eDeposit for checks
- Access to the only ATMs on MSU's campus
- Remains free after graduation
Platinum Plus Visa Credit Card
The Platinum Visa Credit Card is perfect for college students. It has a rate as low as 12.9% APR, a lower limit for students, no annual fee, and your student can set up text alerts to remind them when their bill is due. MSUFCU is committed to helping students build a strong financial future.
- 1% cash back on all purchases
- as low as 12.9% APR
- No annual fee
- Accepted worldwide
Students Receive Lowest Loan Rates
Establishing credit for the first time can be intimidating and confusing. We're here to provide your student with the knowledge and confidence needed to be financially successful.

Low credit or no credit, your student will get the lowest rate on all MSUFCU loans to help them establish a positive credit history. So, when the time comes for your student to start establishing credit, MSUFCU is here to help. Come talk to us
You're Eligible to Open an MSUFCU Account, Too!
Start enjoying the same superior service your student enjoys when you open your own MSUFCU account. Headquartered right here in East Lansing, we're your financial partner, saving you money with lower loan rates and higher savings rates. Even if you're not near one of our 17 branches, you can enjoy 24/7 account access via our mobile app or ComputerLine. Prefer to speak with a person? No problem. Our Call Center offers extended hours and we're always happy to help you with any concerns you may have about your account.

We're also connected to 5,000 affiliated branches and 30,000 surcharge-free ATMs across the U.S. That's more than the big banks offer. Experience what makes us more than just a financial institution, we're your financial partner. Open your account today!

- Savings and checking accounts
- Auto, motorcycle, and boat loans
- Home loans
- Retirement savings options
- Business accounts

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.