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Michigan State University Federal Credit Union

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Michigan State University Federal Credit Union Rates & Review September 2026

Q: What are the current interest rates at Michigan State University Federal Credit Union?

Current rates for Michigan State University Federal Credit Union include: MMA: 1.00%

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Michigan State University Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

Michigan State University Federal Credit Union's money market rates are at 1.00%. Michigan State University Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Michigan State University Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.07%. Rates last updated and verified on 09/04/2026.

Michigan State University Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Michigan State University Federal Credit Union? Share your experience about Michigan State University Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Michigan State University Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.07%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Michigan State University Federal Credit Union
MSUFCU - Headquarters

3777 West Rd
East Lansing, MI 48823-8029

https://www.msufcu.org

Michigan State University Federal Credit Union Money Market Rates

Product	Rate	APY	View More
IMMA	-	1.00%
Details Currently earning 1.00% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.07%

Michigan State University Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details Rates as low as 4.99% APR Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.07%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Michigan State University Federal Credit Union’s Texas Ratio rose from 3.61% in Q2 2023 to 9.07% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$8.5B	9.07%	5.0	A
December 31, 2025	$8.4B	9.52%	5.0	A
September 30, 2025	$8.2B	8.72%	5.0	A
June 30, 2025	$8.2B	10.59%	5.0	A
March 31, 2025	$8.2B	7.78%	5.0	A
December 31, 2024	$8.1B	7.39%	5.0	A
September 30, 2024	$8.2B	6.55%	5.0	A
June 30, 2024	$7.9B	5.96%	5.0	A+
March 31, 2024	$7.8B	5.20%	5.0	A+
December 31, 2023	$7.7B	5.43%	5.0	A+
September 30, 2023	$7.7B	3.84%	5.0	A+
June 30, 2023	$7.7B	3.61%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Michigan State University Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Michigan State University Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Michigan State University Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Michigan State University Federal Credit Union

Website https://www.msufcu.org

Address 3777 West Rd, East Lansing, MI 48823-8029

Phone 517-333-2424

Fax 517-664-6953

President Janet Lillie

CEO April Clobes

Full-Time Employees 1,357

Part-Time Employees 51

Branch Locations 36

ATM Locations 34

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.07%

Return on Assets (ROA)

0.0691%

Return on Equity (ROE)

0.8253%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

8,512,836,947

Total Amount of Shares and Deposits

7,049,111,820

Total Shares and Deposits < 1 Year

6,595,242,374

Total Shares and Deposits 1 3 Years

261,406,559

Total Shares and Deposits > 3 Years

192,462,888

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,058,296,150

Total Uninsured Shares and Deposits > $250K (F+J)

1,058,538,165

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,990,573,655

Total Interest Expense (Sum of items 6 8)

39,625,782

Share Certificates

71,898

Number of Accounts for Share Drafts

271,077

IRA KEOGH Accounts

14,600

Number of Accounts for Regular Shares

620,768

All other shares

17,727

Non Member Deposits

4,241

Money Market Shares

84,093

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

242,098,493

Total Liabilities

7,815,411,835

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Michigan State University Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Michigan State University Federal Credit Union

How many branches does Michigan State University Federal Credit Union operate?

Michigan State University Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Michigan State University Federal Credit Union?

Yes, to access services at Michigan State University Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Michigan State University Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Michigan State University Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Michigan State University Federal Credit Union offer online and mobile banking?

Most modern institutions like Michigan State University Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.msufcu.org.