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 Michigan State University Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
Michigan State University Federal Credit Union's 7-Year CD or IRA Jumbo rates are at 3.75%, 5-Year CD or IRA-HSA Jumbo rates are at 3.70%, 4-Year CD or IRA-HSA Jumbo rates are at 3.60%, 7-Year CD or IRA rates are at 3.60%, 1-Year Add-On CD or IRA-HSA Jumbo rates are at 3.55%. Michigan State University Federal Credit Union's savings rates are at 0.98%. Michigan State University Federal Credit Union's money market rates are at 1.00%. Michigan State University Federal Credit Union's Conventional Fixed-Rate Mortgages 15 Year rates are at 5.38%, Jumbo Fixed-Rate Mortgages 15 Year rates are at 5.50%, Conventional Fixed-Rate Mortgages 15 Year rates are at 5.62%, Jumbo Fixed-Rate Mortgages 15 Year rates are at 5.75%, Conventional Fixed-Rate Mortgages 30 Year rates are at 5.88%. 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 9.68%. Rates were last updated on 04/05/2026. 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. Michigan State University Federal Credit Union
MSUFCU Headquarters 3777 West Rd
https://www.msufcu.org East Lansing, MI 48823 8029 
Michigan State University Federal Credit Union CD Rates
Michigan State University Federal Credit Union Savings Rates
Michigan State University Federal Credit Union Money Market Rates
Michigan State University Federal Credit Union Checking Rates
Michigan State University Federal Credit Union Mortgage Rates
Michigan State University Federal Credit Union Auto Loan Rates
Michigan State University Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
1,361
Part-Time Employees
61
Branch Locations
36
ATM Locations
32
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.68%
Return on Assets (ROA)
0.2123%
Return on Equity (ROE)
2.4949%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
8,235,333,167
Total Amount of Shares and Deposits
6,768,328,051
Total Shares and Deposits < 1 Year
6,295,973,034
Total Shares and Deposits 1 3 Years
274,888,939
Total Shares and Deposits > 3 Years
197,466,078
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,012,566,924
Total Uninsured Shares and Deposits > $250K (F+J)
1,013,407,894
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,754,920,157
Total Interest Expense (Sum of items 6 8)
124,958,708
Share Certificates
73,457
Number of Accounts for Share Drafts
269,171
IRA KEOGH Accounts
14,827
Number of Accounts for Regular Shares
600,168
All other shares
16,546
Non Member Deposits
4,370
Money Market Shares
82,558
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
228,662,579
Total Liabilities
7,550,733,004
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Michigan State University Federal Credit UnionIs Michigan State University Federal Credit Union a safe place to deposit money?Yes, Michigan State University Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 9.6814736159458%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Michigan State University Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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