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Routing Number: 272479663 Swift Code: MSUCUS44
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Totally Green, Totally Free
Whether you swipe, sign, insert your chip, or pay online, there's no monthly fee and no minimum balance with a Totally Green Spending account at MSUFCU. It's the safe and convenient place to stash the cash you'll need on campus - whether for pizza, parking, football tickets, or any other expenses. Plus, unlike other financial institution's accounts, our Totally Green Spending account doesn't change its features once you graduate, remaining free and easy to use.

• $0 monthly fee
• $0 minimum balance requirement
• Free Visa Debit Card

Ready to open a new account? Here's what you'll need:
Driver's License and Social Security Number - Whenever you open an account, your identity and proof of U.S. residency needs to be verified.
Parent co-owner - If you haven't celebrated your 18th birthday yet, you'll need to have a parent be a co-owner of the account.
A $5 opening deposit - This establishes your membership (or ownership) in MSUFCU. If you apply online, you can pay the opening deposit by visiting a branch, mailing a check, or through an electronic transfer from another financial institution.
Here. There. Everywhere.
On campus and in East Lansing, we're just around the corner. With 40 ATMs on MSU's campus, a full-service branch in the MSU Union and two more branches just off campus, MSUFCU offers you friendly and convenient service before and after class.

Heading home for the summer or traveling for a semester? Don't worry, your account access extends past campus as well. We have a total of 140 MSUFCU-owned ATMs and 19 branches from Grand Rapids to Metro Detroit.

And from coast to coast, you're never far from a free ATM or branch. That's because we are part of the CO-OP ATM network which gives you have access to more than 30,000 surcharge-free ATMs nationwide. You can also use thousands of other credit unions to access your MSUFCU account - even if they aren't an actual MSUFCU branch. Being a part of the Shared Branch network means you'll access to your money at over 5,000 credit union locations in the U.S.
Low Credit or No Credit?
We know having a credit card is a big responsibility, but we're here to give you the knowledge you need to establish a good credit score. With MSUFCU's Platinum Plus Visa Credit Card (see terms and conditions) you'll receive 1% cash back on all of your purchases and enjoy $0 annual fee and $0 international service fees. Plus, MSU students receive our lowest interest rate even if they don't have credit established.

Plus, to help Spartans achieve their financial goals, we offer members who have spending accounts or loans free access to their FICO® Credit Score.
We've Got Your Back
We provide the tools you need to make sure your accounts are on the up-and-up! With MSUFCU eAlerts, get account information at the frequency that works for you. Sometimes you need instant updates. And sometimes daily or weekly alerts will meet your needs. MSUFCU eAlerts provides you with information about your account via email or text at no charge, no matter how many times you receive them.

eAlerts can help you keep a close watch on your money without having to sign in to the MSUFCU Mobile app. Just enroll and determine which alerts are right for you.