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Routing Number: 272479663 Swift Code: MSUCUS44
 
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The Lab at MSUFCU -
Accelerating innovation, together.

Zirtue
Sometimes we all need a little help to get by. We're thrilled to introduce you to the latest partner with between The Lab at MSUFCU, Zirtue, the app that facilitates personal IOUs.

No more worrying about how to cover expenses, with Zirtue you can get help from a trusted source and create a payment plan that works for you! You and your partner can set the terms of the loan and set up automatic repayments to make it easy for you.

Your lender doesn't even have to be an MSUFCU member to use this app!

Here's how Zirtue's customizable IOUs work for you:
• Zero-interest IOUs for anything
• Repayment plans up to 36 months for IOUs as low as $20 and as much as $1,000
• Automated repayments to match your preferred installment plan
Request
Send a request to your family members or trusted friends using a phone number
Receive
Once the loan is accepted, you'll see the payment processed through your own bank
Repay
Setup automatic repayments to help you stay on track with your loans
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Who is Zirtue a fit for?
If you are seeking financial assistance or are thinking of aiding someone who requires financial assistance, but are hesitant to borrow or lend from family or friends, Zirtue is the solution for you.
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Does Zirtue affect my credit score?
No. Zirtue is not affiliated with credit bureaus at all. All loans made on the Zirtue mobile application are personal loans based on trusted relationships and are strictly between the lender and borrower.
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How soon will I receive funds after the loan is approved?
Debit to debit transfers settle within one business day. With ACH bank transfers, once your loan is approved, the funds take 3-5 business days to post. Note: The amount of time it takes to complete a transfer can vary depending on the payment method used by both parties.
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Can loans be forgiven?
Yes, loans can be forgiven at any time with the Zirtue application. Only the lender can forgive the loan by opening the application, viewing the repayment plan, and clicking "Forgive" at the bottom of the screen.
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