Welcome, Spartans!

MSU Federal Credit Union (MSUFCU) is the ONLY financial institution right on MSU's vibrant campus. We've been serving the Spartan community since 1937, and now it's time for you to experience the incredible benefits of banking with us. When you open your MSUFCU account, you'll gain access to a world of financial opportunities and pave the way for your future success.

Exclusive for MSU Students:
MSUFCU's Spring Break Sweepstakes!

Whether you're booking flights or putting down the deposit on your rental, make your purchases count! From now until January 31, 2024, every time you use your MSUFCU VISA Credit Card you will automatically be entered to win $1,000 in our Spring Break Sweepstakes.

Visa Card Options

Build Your Credit History With Our Platinum Plus Visa

Getting a credit card and learning the responsible way to use it, is an important first step in establishing your credit history. MSUFCU's Platinum Plus Visa credit card has great features for student:

• 1% cash back on ALL purchases
• Rates as low as 13.90% APR
• $50 Welcome Offer - When you spend $1,000 within 90 days.
• Manage your card conveniently thorough our mobile app.
• Contactless shopping with Tap to Pay.

To learn how to use credit and manage finances, we offer a variety of financial education resources including our Financial 4.0 program that is filled with seminars, blogs, quizzes, and more!

Your Student Bundle is Waiting for You!

All MSU students have a Student Bundle waiting for them at MSUFCU. Our Student Bundle includes the basic products that every Spartan needs for financial success:
• A Spartan Saver Account
• A Sparty VISA Debit Card
• And the Financial 4.0 App

Activate Your Account

Additional Resources

MSUFCU is committed to helping you stay informed and connected. We offer accounts for student organizations (RSOs) associated with MSUFCU. Check out our additional resources to find the answers and opportunities you are looking for.

RSOs Careers Events

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.

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Disclosure

The Spring Break Sweepstakes begins at midnight ET 11/15/23 and ends at 11:59 pm ET 1/31/24. To enter, eligible entrants must be members of MSU Federal Credit Union (MSUFCU); 18 years or older; currently enrolled at Michigan State University; and must make a qualifying purchase-related transaction as the primary cardholder of an MSUFCU-issued VISA Credit Card during the promotion period. Each eligible transaction will earn the entrant one entry into the sweepstakes. One winner will receive a $1,000 prize deposited in the winner's MSUFCU account after the winner has satisfied all applicable requirements upon the completion of the sweepstakes. Chances of winning are based on the number of entries received. The winner will be randomly selected within 10 business days of after the end of the sweepstakes by MSUFCU, whose decision is final. Winner's account must be in good standing. Winner will be notified by email or phone and has 5 business days to respond. Failure to respond within 5 business days will result in the selection of a new winner. Winner must sign a release and consent form to receive prize. The Credit Union provides no warranty relative to prize. Prize may not be substituted or transferred except at the discretion of the Credit Union. Winner is responsible for applicable taxes, and costs related to use of prize. Employees, Board members, and Supervisory Committee members of the Credit Union and affiliated CUSOs, and any promotion sponsors, are not eligible. No purchase necessary to enter. You may also enter by sending a 3-inch x 5-inch card with sweepstakes name and your name, address, phone number, and email address to: MSUFCU, ATTN: Marketing - Spring Break Sweepstakes, 3777 West Road., East Lansing, MI 48826. A winners list will be available at msufcu.org/winners. For full promotion details, visit msufcu.org/specialoffers.

2 Rate for MSUFCU Platinum Plus VISA Credit Card as of 10/16/23 and subject to change. Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases. Annual Percentage Rate (APR) for personal loans as of 10/16/23 for a term of 18 months and subject to change. Annual Percentage Rate (APR) for personal loans as of 10/16/23 for terms up to 36 months and subject to change.

3 MSUFCU Platinum Plus VISA cardholders will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases. Federally insured by the NCUA. Visit MSUFCU.org/visa for full terms and conditions.

4 You will receive $50 once you spend $1,000 on net purchases within the first 3 months after MSUFCU Platinum Plus VISA Credit Card approval. Purchases must post to your account within the first 3 months. Once you qualify for this bonus, we will apply it to your Platinum Plus VISA balance within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first 3 months will be excluded. Account must be in good standing to receive $50. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $50 bonus being credited to your card, the bonus will be considered to have been forfeited. This one-time $50 offer is valid for new, first-time MSUFCU Platinum Plus VISA Credit cardholders only. This offer may be canceled at any time without notice. Visit MSUFCU.org/cashback for full terms and conditions.

5 According to creditcards.com as of 10/15/23

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Additional Resources