In observance of Thanksgiving Day, the Credit Union will be closed Thursday, November 26.
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Routing Number: 272479663 Swift Code: MSUCUS44
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SmartLine Home Equity Loan
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Freedom to Go Anywhere

New and Used Auto Loan

Whether you're looking for a new or used car, our auto loan offers a low rate, and flexible terms up to 84 months. Plus, use our ReadyLoan check - a blank check valid up to your preapproved limit you can use to purchase your new car.

Auto Refinance

Refinance your existing auto loan, which may help you lower your interest rate, decrease your monthly payment or pay off your car loan sooner. We offer low rates, no application fee, and flexible terms up to 84 months.

Auto Lease

Would you like the flexibility to drive a new vehicle more often? Our lease option offers no application fees, terms up to 60 months, and flexible mileage options starting at 7,500.

RV Loan

Whether you're looking for a new or used motorhome, 5th wheel, travel trailer, or a camper we have a recreational vehicle loan to get you on the open road. We offer flexible terms up to 180 months with no prepayment penalties.

Motorcycle and Motorsport Vehicle Loan

Our Motorcycle and Motorsport Vehicle Loans can be used for motorcycles (less than 600cc), snowmobiles, ATVs, and more. We offer low rates, and flexible terms up to 84 months.

Boat Loan

Hit the open water with a new or used boat or refinance your existing boat loan. Our boat loan features a low rate, and flexible terms up to 180 months.

How long do I have to accept a loan offer?
You have 90 days to accept the loan, If you do not accept the loan within 90 days, you must submit a new application.
If I live out of state, can I still get a loan?
Yes, all consumer loans are available to our members who live and work in the U.S. However, mortgages and Home Equity Loans are limited to property located in Michigan.
What happens if loan rates change during my approval period?
Your rate may go up or down during the approval period. You will get the rate that is in effect the day you take the loan.
To what address should I mail my loan payments?
Loan payments should be mailed to:

MSU Federal Credit Union
PO Box 4097
East Lansing, MI 48826-4097

For express mail, please send your payment to:
MSU Federal Credit Union
3777 West Rd.
East Lansing, MI 48823
What is Guaranteed Auto Protection (GAP)?
GAP covers the "gap" between what your insurance company will pay you and your loan balance, up to 150% of the manufacturer's suggested retail price. At MSUFCU, the cost to add GAP is just $499 and can be paid in one payment or over the length of your auto loan.

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