Michigan State University Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.75% | 5-year CD | 5 Year HSA 1.85% - Synchrony Bank 60 Month CD |
| 0.60% | 1-year CD | 13-23 Month HSA 1.05% - Ally Bank High Yield 12-Month CD |
| 0.10% | Savings | Spartan Saver 1.00% - Ally Bank Online Savings Account |
Michigan State University Federal Credit Union is headquartered in East Lansing and is the 3rd largest credit union in the state of Michigan. It is also the 49th largest credit union in the nation. It was established in 1979 and as of June of 2016, it had grown to 646 employees and 223,697 members at 16 locations. Michigan State University Federal Credit Union has an A+ health rating.
Field of Membership Restrictions
Membership is open to anyone through membership in the Michigan United Conservation Clubs ($25 yearly membership fee). Anyone may join the MUCC as a member and then join the credit union. Membership is also open to faculty, staff or students of Michigan State University or Oakland University or be an employee or member of select groups and associations or an employee of the state of Michigan.
See current membership details
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MSU Federal Credit Union
I have both a checking account and visa account, and have had my mortgage and auto loan through the MSU FCU, and for each of these accounts, have had superlative customer service. The fees and interest are very reasonable and competitive compared to other local banks. The credit union has several branch locations around the Lansing MI area, and the hours are great - it is one of the few banks I've ever heard of open on Saturdays! Completely recommend to new folks arriving in the area, or to people looking to switch banks.
MSUFCU is the place to be
I would strong recomend MSUFCU anyone looking to get started with their finances and build credit. My experience with MSUFCU has been more than positive and their fees are next to nothing. The service is always prompt and pleasure to do business with them
MSUFCU - SOLID ALL AROUND
I have had an account with MSUFCU for 9 years, including a credit card account with very reasonable interest rates. At one point a fraudulent charge showed up on the credit card and I contacted MSUFCU. They immediately removed the charge and I had a new card with new number in 3 days. I was also recently trying to obtain quotes for personal lines of credit, and MSUFCU's website was one of the few websites among many that made this easy. Also well-designed and understandable is the web-site, with ability to essentially never have to physically visit the bank. Would absolutely recommend.
Changed My Mind!
Walked into the Credit Union during my first week of my freshman year to only be treated with no respect like I was a 6 year old boy. That was the beginning to my problems then later turned into random charges that have taken months at a time to get back, to having NO ATM within my 1 mile radius of my apartment which is less than 1.5 miles away from campus. Every time I walk into the store there is only 1-2 people working and it has a bad, puke like, smell to it.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 23279 |
| Year Chartered | 1979 |
| Employees | 646 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.87% |
| Return on Equity - YTD | 8.15% |
| Annual Interest Income | $58.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $3.27B$2.93B |
| Loans | Q2 2016vs Q2 2015 | $2.26B$1.96B |
| Deposits | Q2 2016vs Q2 2015 | $2.82B$2.53B |
| Equity Capital | Q2 2016vs Q2 2015 | $346.1MM$308.0MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $17.7MM$14.0MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $9.4MM$11.5MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $1.1MM$1.0MM |
Always verify rates and promotions with the bank or credit union. We are not Michigan State University Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Michigan State University Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $100k* | - | Insured Money Management HSA | ||
| OTHER TIERS: 0.15% → $2k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k | |||||
| 0.15%* | $100k* | - | Business Sweep | ||
| OTHER TIERS: 0.10% → $2k - $50k | 0.12% → $50k+ | |||||
| 0.10% | - | - | Spartan Saver | ||
| 0.10% | - | - | Holiday Club | ||
| 0.10% | - | - | Vacation Club | ||
| 0.10% | - | - | Business Spartan Saver | ||
Michigan State University Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $100k* | - | Insured Money Management Account | ||
| OTHER TIERS: 0.15% → $2k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k | |||||
| 0.30%* | $100k* | - | Insured Money Management IRA | ||
| OTHER TIERS: 0.15% → $2k - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k | |||||
| 0.20%* | $50k* | - | Money Market Checking | ||
| OTHER TIERS: 0.12% → $2k - $10k | 0.15% → $10k - $50k | |||||
| 0.20%* | $50k* | - | Business IMMA | ||
| OTHER TIERS: 0.15% → $2k - $50k | |||||
| 0.15%* | $100k* | - | Money Market Business Checking | ||
| OTHER TIERS: 0.10% → $25k - $50k | 0.12% → $50k - $100k | |||||
Michigan State University Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.00% | $100k | - | 5 Year Jumbo CD | |
| 2.00% | $100k | - | 5 Year Jumbo HSA | |
| 1.75% | $500 | - | 5 Year CD | |
| 1.75% | $500 | - | 5 Year HSA | |
| 1.65% | $100k | - | 4 Year Jumbo CD | |
| 1.65% | $100k | - | 48-59 Month Jumbo HSA | |
| 1.50% | $100k | - | 3 Year Jumbo CD | |
| 1.50% | $100k | - | 36-47 Month Jumbo HSA | |
| 1.40% | $500 | - | 4 Year CD | |
| 1.40% | $500 | - | 48-59 Month HSA | |
| 1.25% | $500 | - | 3 Year CD | |
| 1.25% | $500 | - | 36-47 Month HSA | |
| 1.00% | $100k | - | 2 Year Jumbo CD | |
| 1.00% | $100k | - | 24-35 Month Jumbo HSA | |
| 0.75% | $500 | - | 2 Year CD | |
| 0.75% | $500 | - | 24-35 Month HSA | |
| 0.60% | $50 | - | 1 Year Add-On CD | |
| 0.60% | $500 | - | 13-23 Month CD | |
| 0.60% | $50 | - | 1 Year Add-On HSA | |
| 0.60% | $500 | - | 13-23 Month HSA | |
| 0.30% | $500 | - | 6 Month CD | |
| 0.30% | $500 | - | 6-11 Month HSA | |
| 0.20% | $500 | - | 3 Month CD | |
| 0.20% | $500 | - | 3-5 Month HSA |
Michigan State University Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.00% | $100k | - | 5 Year Jumbo IRA | |
| 1.75% | $500 | - | 5 Year IRA | |
| 1.65% | $100k | - | 48-59 Month Jumbo IRA | |
| 1.50% | $100k | - | 36-47 Month Jumbo IRA | |
| 1.40% | $500 | - | 48-59 Month IRA | |
| 1.25% | $500 | - | 36-47 Month IRA | |
| 1.00% | $100k | - | 24-35 Month Jumbo IRA | |
| 0.75% | $500 | - | 24-35 Month IRA | |
| 0.60% | $50 | - | 1 Year Add-On IRA | |
| 0.60% | $500 | - | 13-23 Month IRA | |
| 0.30% | $500 | - | 6-11 Month IRA | |
| 0.20% | $500 | - | 3-5 Month IRA |
Michigan State University Federal Credit Union has 16 locations. Click to view all Michigan State University Federal Credit Union locations.