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Michigan State University Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.75%5-year CD5 Year HSA
0.60%1-year CD13-23 Month HSA
0.10%SavingsSpartan Saver

Overview / Commentary
800-678-4968
3777 West Rd
East Lansing, MI 48823-8029

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 50th largest credit union in the nation. It was established in 1979 and as of December of 2015, it had grown to 602 employees and 208,650 members at 14 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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Reviews (4)

MSU Federal Credit Union

Posted by: DBH | Apr 2, 2014

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.



Health
A

Health Grade Components

Overall
NCUA #23279
Year Chartered1979
Employees602
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD8.55%
Annual Interest Income$108.8MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$3.03B$2.78B
LoansQ4 2015vs Q4 2014$2.07B$1.87B
DepositsQ4 2015vs Q4 2014$2.61B$2.38B
Equity CapitalQ4 2015vs Q4 2014$322.1MM$297.8MM
Loan Loss AllowanceQ4 2015vs Q4 2014$17.1MM$15.2MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$13.4MM$12.5MM
Real Estate OwnedQ4 2015vs Q4 2014$1.0MM$1.2MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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
Locations

Michigan State University Federal Credit Union has 14 locations. Click to view all Michigan State University Federal Credit Union locations.