MSUFCU Alert
In observance of Independence Day, the Credit Union will be closed Monday, July 4.
Open Your Wallet
Routing Number: 272479663 Swift Code: MSUCUS44
 
Open Your Wallet
×

Your Wallet

It looks like your wallet is currently empty.
You may be interested in...

Totally Green Checking
Totally Green Checking
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Visa Signature Credit Card
Our Visa Signature card offers you more cash back on the things you buy most often.

• 3% on groceries, 2% on gas, travel, and universities and 1% on all other purchases
• Rates as low as 14.90%
• $99 annual fee, waived the first year
• No international transaction fees
Extended Warranty Protection
• $100 Welcome Offer, and $25 Bonus Offer
• Access to Visa Signature Luxury Hotel Collection
• Discounts at over 90 golf courses worldwide
• Get 3 months free, and 20% off a Skillshare annual membership

See full list of Visa benefits and view Pricing and Terms

Apply online by clicking the Add to Wallet button below, within ComputerLine or the Mobile app, by phone or at a branch.
Platinum Plus Visa Credit Card
Receive unlimited 1% cash back on all purchases with a MSUFCU Platinum Plus Visa.

• 1% cash back on ALL purchases
• Rates as low as 13.90%
• No international transaction fees
• $50 Welcome Offer
• A variety of card styles to choose from

See full list of Visa benefits and view Pricing and Terms

Apply online by clicking the Add to Wallet button below, within ComputerLine or the Mobile app, by phone or at a branch.
Platinum Visa Credit Card
Whether you're making everyday or unexpected purchases, count on MSUFCU's low-rate Visa to be there when you need it.

• Rates as low as 9.90%
• 0% APR on balance transfers during the first six months
• No application, annual or balance transfer fees
• A variety of card styles to choose from

See full list of Visa benefits and view Pricing and Terms

Apply online by clicking the Add to Wallet button below, within ComputerLine or the Mobile app, by phone or at a branch.
+
How do I increase my Visa credit limit?
Increases to your Visa credit limit may be requested at any of our branch locations, by phone at 800-678-4968 or 517-333-2424, or by using the Loan Application located in ComputerLine®.
+
What card styles can I choose from?
View a list of our current credit, debit, and ATM card styles available here.

Please note that some card styles are only available by mail and not available in the branch.
+
Can I stop a payment on a Visa card?
If a purchase was made using a Visa Debit or Visa Credit Card, and the charge is valid and was authorized when your card number was given to the merchant, the payment is not considered fraudulent, and is unfortunately not able to be simply removed or stopped without first disputing the charge. We would recommend reaching out to the merchant to inquire about canceling any purchases or authorizations. If they are not able to help we can attempt to dispute the purchase on your behalf. If there are fraudulent purchases on your card, please contact us immediately.
+
How do I update my PIN?
You can update your PIN for a debit, ATM, or credit card in the Card Controls section of the share or loan in ComputerLine® or the MSUFCU Mobile app.

ComputerLine®
Card Controls can be found by clicking the (+) icon next to the account your debit, credit or ATM card is associated with.

MSUFCU Mobile app
Card Controls can be found directly above the recent transaction history after selecting an account or loan.

If you have additional questions about performing a PIN Reset or are unable to do so in ComputerLine® or the mobile app, please contact us.
+
My card was lost/stolen, what do I do?
Report a lost/stolen visa to us by calling 517-333-2424 or 800-678-4968 during business hours. If you are calling outside of business hours call 888-393-1172.

When you contact us please provide the following information regarding your last transaction: date, amount, and location. We also ask that you complete and return the Visa Fraud Affidavit.

You can also lock your lost/stolen card in ComputerLine® or the MSUFCU Mobile app. By locking your card, no one will be able to make purchases - including authorized card holders. Recurring transactions using this card will not be declined.
+
What is Fraud Alert Management?
Fraud Alert Management is a fraud prevention service from Visa. This system provides continual monitoring of card activity to identify and help protect your accounts against fraudulent use. When unusual spending behaviors or transactions appear on your card, you will receive a text message asking you to confirm the transaction.

If the transactions are not yours, Fraud Alert Management will assist you in blocking your cards and reporting unauthorized usage.
View All FAQs
Visa Signature Disclosures
Get FileExtended Warranty Protection Get FileSilvercar Disclosure
Get FileRideShare Protection Get FileVisa Signature Auto Rental Collision Damage Waiver
Get FileRoadside Dispatch Disclosure
Get FileVisa Signature Schumer Get FileVisa Signature Travel Accident Insurance
Get FileVisa Signature Truth in Lending Get FileTravel and Emergency Assistant Services
Get FileVisa Signature Cash Back Rewards Disclosure Get FileElectronic Funds Transfer Agreement and Disclosure Get FileElectronic Correspondence Disclosure and Agreement Get FileService Fee Schedule
Get FilePrivacy Policy Get FileMulti-Featured Loan Agreement
Get FileDocuSign Disclosure Get FileUSA Patriot Act
Get FileVisa Gift Card Disclosure Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees Get FileVisa Periodic Disclosure Get FileMSUFCU Affinity Credit Card Agreement with Michigan State University

$100 Welcome Bonus Offer
You will receive $100 once you spend $5,000 on net purchases within the first 90 days after MSUFCU Visa Signature Card approval. Purchases must post to your account within the first 90 days. Once you qualify for this bonus, we will apply it to your Visa Signature card cash back account 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 three months will be excluded. Account must be in good standing to receive $100. 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 $100 bonus being credited to your card, the bonus will be considered to have been forfeited. This one-time $100 offer is valid for new, first-time MSUFCU Visa Signature cardholders only. This offer may be canceled at any time without notice.

$25 Bonus for $5,000 Spend
You will receive $25 for every $5,000 spent on net purchases, up to $100 per year. The period to qualify for the bonus of up to $100 is one year, beginning on the date you opened your Visa Signature Card. Purchases must post to your account to qualify for bonus. Returns or other reversals of purchases will be excluded. Once you make $5,000 in purchases, the $25 bonus will be applied to your Visa Signature cash back account within 45 days. Qualifying purchases exclude 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 receive $25. 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 bonus being credited to your card, the bonus will be considered to have been forfeited. This offer is valid for MSUFCU Visa Signature cardholders only. This offer may be canceled at any time without notice. Visit MSUFCU.org/visasignature for full terms and conditions.
Platinum Plus Visa Disclosures
Get FilePlatinum Plus Cash Back Rewards Disclosure Get FileAccount Agreement and Disclosure Get FilePlatinum Plus Visa Credit Card Agreement and Truth-in-Lending Disclosure Get FileMembership and Account Application Get FileAuto Rental Collision Damage Waiver Get FileMulti-Featured Loan Agreement Get FileDocuSign Disclosure Get FileUSA Patriot Act Get FileVisa Gift Card Disclosure Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees Get FileVisa Periodic Disclosure Get FileRoadside Dispatch Disclosure

$50 Welcome Bonus Offer:
You will receive $50 once you spend $1,000 on net purchases within the first 90 days after MSUFCU Platinum Plus Visa Credit Card approval. Purchases must post to your account within the first 90 days. Once you qualify for this bonus, we will apply it to your Platinum Plus Visa Credit Card 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 90 days 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.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

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.
Platinum Visa Disclosures
Get FilePlatinum Visa Credit Card Agreement and Truth-in-Lending Disclosure Get FileAccount Agreement and Disclosure
Get FileAuto Rental Collision Damage Waiver Get FileMulti-Featured Loan Agreement
Get FileDocuSign Disclosure Get FileUSA Patriot Act
Get FileVisa Gift Card Disclosure
Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees
Get FileVisa Periodic Disclosure Get FileMSUFCU Affinity Credit Card Agreement with Michigan State University Get FileRoadside Dispatch Disclosure

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

9.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member's credit score.

Balance Transfer Offer Details
1 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.