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Michigan State University Federal Credit Union

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Michigan State University Federal Credit Union Rates & Review October 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: 12-Month CD: 3.90%, 18-Month CD: 4.00%, 24-Month CD: 4.15%, 60-Month CD: 4.25%, Savings: 5.00%, MMA: 3.60%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 23, 2026

Michigan State University Federal Credit Union's 5-Year CD or IRA-HSA Jumbo rates are at 4.40%, 3-Year CD or IRA-HSA Jumbo rates are at 4.35%, 4-Year CD or IRA-HSA Jumbo rates are at 4.35%, 2-Year CD or IRA-HSA Jumbo rates are at 4.30%, 5-Year CD or IRA-HSA rates are at 4.25%. Michigan State University Federal Credit Union's savings rates are at 5.00%. Michigan State University Federal Credit Union's money market rates are at 3.60%. Michigan State University Federal Credit Union's Jumbo Fixed-Rate Mortgage - 15 Year rates are at 6.38%, Jumbo Fixed-Rate Mortgages rates are at 6.38%, Conventional Fixed-Rate Mortgage - 15 Year rates are at 6.25%, Conventional Fixed-Rate Mortgages rates are at 6.25%, Jumbo Adjustable-Rate Mortgage - 5/1 rates are at 6.38%. Michigan State University Federal Credit Union's Personal Loan Rates are as low as 11.50%. Michigan State University Federal Credit Union's Credit Card Rates are at 9.90%. 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 9.64%. Rates last updated and verified on 10/23/2026.

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

9.64%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Michigan State University Federal Credit Union
MSUFCU - Headquarters

3777 West Rd
East Lansing, MI 48823-8029

https://www.msufcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Michigan State University Federal Credit Union CD Rates

Product	Rate	APY	Term
5-Year Certificate or IRA-HSA Jumbo	-	4.40%	5 years
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05% Sep 25, 20264.40%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo	-	4.35%	3 years
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Sep 25, 20264.35%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA Jumbo	-	4.35%	4 years
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Sep 25, 20264.35%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA Jumbo	-	4.30%	2 years
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15% Sep 25, 20264.30%▲ from 4.15% Sep 18, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA	-	4.25%	5 years
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Sep 25, 20264.25%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA	-	4.20%	3 years
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Sep 25, 20264.20%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA	-	4.20%	4 years
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Sep 25, 20264.20%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo	-	4.15%	18 months
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85% Sep 25, 20264.15%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA	-	4.15%	2 years
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Sep 25, 20264.15%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
1-Year Add-On Certificate or IRA-HSA Jumbo	-	4.05%	1 year
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Sep 25, 20264.05%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA	-	4.00%	18 months
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Sep 25, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
9-Month Certificate or IRA-HSA Jumbo	-	4.00%	9 months
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Sep 25, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA Jumbo	-	3.95%	6 months
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Sep 25, 20263.95%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
1-Year Add-On Certificate or IRA-HSA	-	3.90%	1 year
Min Balance $50 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60% Sep 25, 20263.90%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
9-Month Certificate or IRA-HSA	-	3.85%	9 months
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Sep 25, 20263.85%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA	-	3.80%	6 months
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Sep 25, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo	-	3.40%	3 months
Min Balance $100,000 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15% Sep 25, 20263.40%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA	-	3.25%	3 months
Min Balance $500 Details Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Sep 25, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Savings Rates

Product	Rate	APY
Savings Builder	-	5.00%
Min Balance $0 Details Balance: $0 - $999.99; Blended rate account, Tier 1 rate applies only to the first $999.99; Valid thru 10/31/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Savings Builder	-	3.62%
Min Balance $1,000 Details Published APY range: 3.62% to 5.00%. Balance: $1,000 - $1,999.99; Blended rate tier; Valid Thru: 10/31/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.62% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Savings Builder	-	1.25%
Min Balance $2,000 Details Published APY range: 1.25% to 3.62%. Balance: $2,000 and above; Blended rate tier; Valid Thru: 10/31/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Spartan Saver	-	0.05%
Details Valid thru 10/31/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Spartan Saver	-	0.05%
Details Minimum Balance:; Valid Thru: 10/31/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Money Market Rates

Product	Rate	APY
IMMA	-	3.50%
Min Balance $1,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	3.50%
Min Balance $2,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	3.50%
Min Balance $5,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	3.50%
Min Balance $1,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	3.50%
Min Balance $2,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	3.50%
Min Balance $5,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	2.65%
Min Balance $500,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	2.65%
Min Balance $500,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	2.15%
Min Balance $100,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 2.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	2.15%
Min Balance $100,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 2.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	1.50%
Min Balance $50,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	1.50%
Min Balance $50,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	1.40%
Min Balance $25,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	1.40%
Min Balance $25,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	1.25%
Min Balance $2,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IMMA	-	1.25%
Min Balance $10,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	1.25%
Min Balance $50 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
IRA-HSA IMMA	-	1.25%
Min Balance $10,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business IMMA	-	3.60%
Min Balance $1,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	3.60%
Min Balance $2,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	3.60%
Min Balance $5,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	2.65%
Min Balance $500,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	2.15%
Min Balance $100,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 2.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	1.50%
Min Balance $50,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	1.40%
Min Balance $25,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	1.25%
Min Balance $2,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business IMMA	-	1.25%
Min Balance $10,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	-	1.85%
Min Balance $100,000 Details Balance: $100,000.00 and over; Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Money Market Checking	-	1.50%
Min Balance $50,000 Details Balance: $50,000.00 and over; Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Money Market Checking	-	1.25%
Min Balance $2,000 Details Balance: $2,000.00 and over; Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Money Market Checking	-	1.25%
Min Balance $10,000 Details Balance: $10,000.00 and over; Valid thru 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Classic Checking	-	0.00%
Details Valid thru 10/31/2026 Last Updated 10/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Business Checking Rates

Product	Rate	APY
Money Market Business Checking	-	1.95%
Min Balance $100,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Money Market Business Checking	-	1.50%
Min Balance $50,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Money Market Business Checking	-	1.35%
Min Balance $25,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Fixed-Rate Mortgage - 15 Year	6.375%	1.00	6.575%	15 Year
Details As Low As; APR based on $832,751 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgages	6.375%	1.00	6.575%	15 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 6.70% → 6.58% ▼ 0.13 pts · high 6.70% / low 6.58% Oct 23, 20266.58%▼ from 6.70% Oct 13, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgage - 15 Year	6.25%	1.00	6.579%	15 Year
Details As Low As; APR based on $200,000 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgages	6.25%	1.00	6.579%	15 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 6.83% → 6.58% ▼ 0.25 pts · high 6.83% / low 6.58% Oct 23, 20266.58%▼ from 6.83% Oct 13, 20266.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgage - 15 Year	6.625%	0.00	6.666%	15 Year
Details As Low As; APR based on $832,751 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.67% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgages	6.625%	0.00	6.666%	15 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 6.79% → 6.67% ▼ 0.13 pts · high 6.79% / low 6.67% Oct 23, 20266.67%▼ from 6.79% Oct 13, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgage - 15 Year	6.50%	0.00	6.669%	15 Year
Details As Low As; APR based on $200,000 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.67% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgages	6.50%	0.00	6.669%	15 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 6.92% → 6.67% ▼ 0.25 pts · high 6.92% / low 6.67% Oct 23, 20266.67%▼ from 6.92% Oct 13, 20266.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Adjustable-Rate Mortgage - 5/1	6.375%	0.00	6.78%	5/1
Details As Low As Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Adjustable-Rate Mortgages	6.375%	0.00	6.78%	5/1
Details As Low As Last Updated 10/23/2026 Rate History 2 changes since Oct 13, 2026 · 6.80% → 6.78% ▼ 0.02 pts · high 6.85% / low 6.78% Oct 23, 20266.78%▼ from 6.85% Oct 15, 20266.85%▲ from 6.80% Oct 13, 20266.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Adjustable-Rate Mortgage - 5/1	6.375%	0.00	6.858%	5/1
Details As Low As Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Adjustable-Rate Mortgages	6.375%	0.00	6.858%	5/1
Details As Low As Last Updated 10/23/2026 Rate History 2 changes since Oct 13, 2026 · 6.93% → 6.86% ▼ 0.07 pts · high 6.98% / low 6.86% Oct 23, 20266.86%▼ from 6.98% Oct 15, 20266.98%▲ from 6.93% Oct 13, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgage - 30 Year	7.00%	1.00	7.207%	30 Year
Details As Low As; APR based on $200,000 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgages	7.00%	1.00	7.207%	30 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.46% → 7.21% ▼ 0.25 pts · high 7.46% / low 7.21% Oct 23, 20267.21%▼ from 7.46% Oct 13, 20267.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgage - 30 Year	7.125%	1.00	7.251%	30 Year
Details As Low As; APR based on $832,751 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgages	7.125%	1.00	7.251%	30 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.38% → 7.25% ▼ 0.13 pts · high 7.38% / low 7.25% Oct 23, 20267.25%▼ from 7.38% Oct 13, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgage - 30 Year	7.25%	0.00	7.357%	30 Year
Details As Low As; APR based on $200,000 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.36% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Conventional Fixed-Rate Mortgages	7.25%	0.00	7.357%	30 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.61% → 7.36% ▼ 0.25 pts · high 7.61% / low 7.36% Oct 23, 20267.36%▼ from 7.61% Oct 13, 20267.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgage - 30 Year	7.375%	0.00	7.401%	30 Year
Details As Low As; APR based on $832,751 loan amount Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Jumbo Fixed-Rate Mortgages	7.375%	0.00	7.401%	30 Year
Details As Low As Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.53% → 7.40% ▼ 0.13 pts · high 7.53% / low 7.40% Oct 23, 20267.40%▼ from 7.53% Oct 13, 20267.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Vacant Land Lot - 3/1 Loan	7.375%	0.00	7.459%	3/1
Details As Low As Last Updated 10/23/2026 Rate History 7 changes since Sep 14, 2026 · 7.25% → 7.46% ▲ 0.21 pts · high 7.75% / low 7.25% Oct 23, 20267.46%▼ from 7.49% Oct 9, 20267.49%▼ from 7.63% Oct 5, 20267.63%▼ from 7.75% Oct 2, 20267.75%▲ from 7.63% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Heroes Mortgage Loan - 30 Year	7.75%	0.00	7.861%	30 Year
Details As Low As Last Updated 10/23/2026 Rate History 5 changes since Sep 14, 2026 · 7.60% → 7.86% ▲ 0.26 pts · high 8.24% / low 7.60% Oct 23, 20267.86%▼ from 8.11% Oct 5, 20268.11%▼ from 8.24% Oct 2, 20268.24%▲ from 7.99% Sep 29, 20267.99%▲ from 7.86% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Business New and Used Auto	-	-	7.04%	Up to 36 months
Details As Low As; New, Used, Refinance and Cash Out Refinance Business Auto Loans; Business loans only available to Michigan businesses; collateral must be located in Michigan Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business New and Used Auto	-	-	7.24%	37 to 48 months
Details As Low As; New, Used, Refinance and Cash Out Refinance Business Auto Loans; Business loans only available to Michigan businesses; collateral must be located in Michigan Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business New and Used Auto	-	-	7.24%	49 to 60 months
Details As Low As; New, Used, Refinance and Cash Out Refinance Business Auto Loans; Business loans only available to Michigan businesses; collateral must be located in Michigan Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business New and Used Auto	-	-	7.24%	61 to 72 months
Details As Low As; New, Used, Refinance and Cash Out Refinance Business Auto Loans; Business loans only available to Michigan businesses; collateral must be located in Michigan Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business New and Used Auto	-	-	7.24%	73 to 84 months
Details As Low As; New, Used, Refinance and Cash Out Refinance Business Auto Loans; Business loans only available to Michigan businesses; collateral must be located in Michigan Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle and Boat - Up to 60 months Loan	-	7.44%	Up to 60 months
Details as low as; New, Used and Refinance Recreational Vehicles & Boats; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat Loan	-	7.44%	Up to 60 months
Details As Low As; New, Used and Refinance Recreational Vehicles & Boats Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat - 61 to 84 months Loan	-	7.49%	61 to 84 months
Details as low as; New, Used and Refinance Recreational Vehicles & Boats; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat Loan	-	7.49%	61 to 84 months
Details As Low As; New, Used and Refinance Recreational Vehicles & Boats Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
New, Used and Refinance Recreational Vehicles & Boats	-	7.54%	85 to 120 months
Details As Low As; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers. Park model RVs and commercial vehicles are excluded from this program. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.54% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat - 121 to 144 months Loan	-	7.54%	121 to 144 months
Details as low as; New, Used and Refinance Recreational Vehicles & Boats; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat - 85 to 120 months Loan	-	7.54%	85 to 120 months
Details as low as; New, Used and Refinance Recreational Vehicles & Boats; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat Loan	-	7.54%	85 to 120 months
Details As Low As; New, Used and Refinance Recreational Vehicles & Boats Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat Loan	-	7.54%	121 to 144 months
Details As Low As; New, Used and Refinance Recreational Vehicles & Boats Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
New, Used and Refinance Recreational Vehicles & Boats	-	7.74%	145 to 180 months
Details As Low As; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers. Park model RVs and commercial vehicles are excluded from this program. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat - 145 to 180 months Loan	-	7.74%	145 to 180 months
Details as low as; New, Used and Refinance Recreational Vehicles & Boats; Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Vehicle and Boat Loan	-	7.74%	145 to 180 months
Details As Low As; New, Used and Refinance Recreational Vehicles & Boats Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Recreational Land Loan - 15 Year	8.625%	9.217%	15 Year
Details As Low As Last Updated 10/23/2026 Rate History 4 changes since Sep 14, 2026 · 8.96% → 9.22% ▲ 0.26 pts · high 9.47% / low 8.96% Oct 23, 20269.22%▼ from 9.47% Oct 5, 20269.47%▲ from 9.34% Sep 29, 20269.34%▲ from 9.22% Sep 25, 20269.22%▲ from 8.96% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card - Platinum	-	9.90%
Details As Low As; Visa Platinum Credit Card Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Platinum	-	9.90%
Details As Low As; Visa Credit Card Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Credit Card - Platinum Plus	-	13.90%
Details As Low As; Visa Platinum Plus Credit Card Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Platinum Plus	-	13.90%
Details As Low As; Visa Credit Card Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 13.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Credit Card - Visa Signature	-	14.90%
Details As Low As; Visa Signature Credit Card Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Signature	-	14.90%
Details As Low As; Visa Credit Card Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 14.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	11.50%	Up to 18 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Signature Loan	12.74%	19 to 84 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 12.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Credit Card - Visa Signature	14.90%
Details As Low As; Visa Signature Credit Card Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Visa Signature	14.90%
Details As Low As; Visa Credit Card Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 14.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Debt Consolidation Loan	17.99%	Up to 84 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 17.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Debt Consolidation Loan	17.99%	85 to 180 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 17.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Michigan State University Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
End Of Summer Loan	-	-	11.50%	Up to 18 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Flex Loan	-	-	28.00%	Up to 6 months
Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 28.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Green & White Loan	-	-	7.00%	Up to 24 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Improvement Loan	-	-	9.99%	Up to 36 months
Details As Low As; Home Improvement loan, does not involve security in your home; Stated loan rates available to members with qualifying credit scores Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Improvement Loan	-	-	10.24%	37 to 48 months
Details As Low As; Home Improvement loan, does not involve security in your home; Stated loan rates available to members with qualifying credit scores Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Improvement Loan	-	-	10.99%	49 to 60 months
Details As Low As; Home Improvement loan, does not involve security in your home; Stated loan rates available to members with qualifying credit scores Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Improvement Loan	-	-	11.99%	61 to 120 months
Details As Low As; Home Improvement loan, does not involve security in your home; Stated loan rates available to members with qualifying credit scores Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Improvement Loan	-	-	13.99%	121 to 180 months
Details As Low As; Home Improvement loan, does not involve security in your home; Stated loan rates available to members with qualifying credit scores Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Instant Cash Line-of-Credit Loan	-	-	17.90%
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 21, 2026 · 17.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Motorsport - 37 to 48 months Loan	-	-	7.74%	37 to 48 months
Details As Low As; New, Used, and Refinance Motorsport; Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Motorsport - 49 to 60 months Loan	-	-	7.74%	49 to 60 months
Details As Low As; New, Used, and Refinance Motorsport; Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Motorsport - 61 to 72 months Loan	-	-	7.79%	61 to 72 months
Details As Low As; New, Used, and Refinance Motorsport; Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Motorsport - 73 to 84 months Loan	-	-	8.29%	73 to 84 months
Details As Low As; New, Used, and Refinance Motorsport; Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 8.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Motorsport - Up to 36 months Loan	-	-	7.64%	Up to 36 months
Details as low as; New, Used, and Refinance Motorsport; Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Relocation Loan	-	-	11.50%	Up to 18 months
Details As Low As Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 70% LTV	-	-	6.64%	Up to 36 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 70% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 70% LTV	-	-	6.69%	Up to 60 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 70% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.69% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 70% LTV	-	-	7.55%	Up to 120 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 70% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 70% LTV	-	-	7.65%	Up to 180 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 70% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.65% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 80% LTV	-	-	6.74%	Up to 36 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 80% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 80% LTV	-	-	6.79%	Up to 60 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 80% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 80% LTV	-	-	7.70%	Up to 120 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 80% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.70% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 80% LTV	-	-	7.80%	Up to 180 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 80% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.80% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 90% LTV	-	-	6.84%	Up to 36 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 90% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.84% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 90% LTV	-	-	6.89%	Up to 60 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 90% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 90% LTV	-	-	8.05%	Up to 120 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 90% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.05% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Fixed Segment 90% LTV	-	-	8.15%	Up to 180 months
Details As Low As; SmartLine Home Equity Loan fixed segment; Loan-to-Value 90% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.15% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Line of Credit (Variable Rate)	-	-	7.00%
Details As Low As; Loan To Value (LTV): 70%; Home Equity LOC Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Line of Credit (Variable Rate)	-	-	7.25%
Details As Low As; Loan To Value (LTV): 80%; Home Equity LOC Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Smartline Line of Credit (Variable Rate)	-	-	7.75%
Details As Low As; Loan To Value (LTV): 90%; Home Equity LOC Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Vacant Land Lot Loan	7.375%	0.00	7.459%	3/1
Details As Low As Last Updated 10/23/2026 Rate History 3 changes since Oct 5, 2026 · 7.63% → 7.46% ▼ 0.17 pts · high 7.63% / low 7.46% Oct 23, 20267.46%▼ from 7.53% Oct 15, 20267.53%▲ from 7.49% Oct 9, 20267.49%▼ from 7.63% Oct 5, 20267.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.20%
Min Balance $2,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.20%
Min Balance $10,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.35%
Min Balance $50,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.35%
Min Balance $100,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.35%
Min Balance $500,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.50%
Min Balance $1,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Business Sweep	-	-	1.50%
Min Balance $2,000,000 Details Valid Thru: 10/25/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

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 3.84% in Q3 2023 to 9.64% in Q2 2026, so its financial health has held steady at a healthy level 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$8.9B	9.64%	5.0	A
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+

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 1,378

Part-Time Employees 49

Branch Locations 38

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

9.64%

Return on Assets (ROA)

0.1530%

Return on Equity (ROE)

1.7071%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

8,868,387,451

Total Amount of Shares and Deposits

7,276,711,388

Total Shares and Deposits < 1 Year

6,727,527,585

Total Shares and Deposits 1 3 Years

319,412,404

Total Shares and Deposits > 3 Years

229,771,399

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

1,076,724,746

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

1,076,947,722

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

6,199,763,666

Total Interest Expense (Sum of items 6 8)

82,229,369

Share Certificates

71,897

Number of Accounts for Share Drafts

272,262

IRA KEOGH Accounts

14,679

Number of Accounts for Regular Shares

628,920

All other shares

18,622

Non Member Deposits

5,013

Money Market Shares

84,962

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)

382,770,075

Total Liabilities

8,165,391,531

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Michigan State University Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Michigan State University Federal Credit Union

Does Michigan State University Federal Credit Union offer CDs?

Yes. Michigan State University Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Michigan State University Federal Credit Union NCUA insured?

Yes. Michigan State University Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Michigan State University Federal Credit Union?

The highest CD rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 4.40% APY on its 5-Year CD or IRA-HSA Jumbo, as of October 23, 2026.

What CD terms does Michigan State University Federal Credit Union offer?

The Michigan State University Federal Credit Union CD terms we track include 12 month, 18 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 4.25% to 4.40% APY. The institution may offer other terms or specials that are not listed here, so check with Michigan State University Federal Credit Union for its full lineup.

What is the highest savings rate at Michigan State University Federal Credit Union?

The highest savings rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 5.00% APY on its Savings Builder, as of October 23, 2026.

What is the highest money market rate at Michigan State University Federal Credit Union?

The highest money market rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 1.95% APY on its Money Market Business Checking, as of October 23, 2026.

What is the highest checking rate at Michigan State University Federal Credit Union?

The highest checking rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 1.95% APY on its Money Market Business Checking, as of October 23, 2026.

What is the lowest 30 year fixed mortgage rate at Michigan State University Federal Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 7.00% rate on its Conventional Fixed-Rate Mortgage - 30 Year, as of October 23, 2026.

What is the lowest auto loan rate at Michigan State University Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 7.04% APR on its Business New and Used Auto, as of October 23, 2026.

What is the lowest personal loan rate at Michigan State University Federal Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 11.50% APR on its Signature Loan, as of October 23, 2026.

What is the lowest credit card APR at Michigan State University Federal Credit Union?

The lowest credit card rate MonitorBankRates has verified for Michigan State University Federal Credit Union is 9.90% APR on its Visa Credit Card - Platinum, as of October 23, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Michigan State University Federal Credit Union rates compare?

Michigan State University Federal Credit Union's top rates are 4.40% APY on its 5-Year CD or IRA-HSA Jumbo, 5.00% APY on savings, 3.60% APY on money market, 6.25% on its Conventional Fixed-Rate Mortgage - 15 Year, personal loans from 11.50% APR and credit cards from 9.90% APR, verified by MonitorBankRates on October 23, 2026. To compare Michigan State University Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.

Current Michigan State University Federal Credit Union Rates

12-Month CD3.90%
18-Month CD4.00%
24-Month CD4.15%
60-Month CD4.25%
Savings5.00%
MMA3.60%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Michigan State University Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Michigan State University Federal Credit Union Texas Ratio

Michigan State University Federal Credit Union Health Trend

Michigan State University Federal Credit Union CD Rates

Michigan State University Federal Credit Union Savings Rates

Michigan State University Federal Credit Union Business Savings Rates

Michigan State University Federal Credit Union Money Market Rates

Michigan State University Federal Credit Union Business Money Market Rates

Michigan State University Federal Credit Union Checking Rates

Michigan State University Federal Credit Union Business 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 RV, Boat and Powersport Loan Rates

Michigan State University Federal Credit Union Credit Card Rates

Michigan State University Federal Credit Union Personal Loan Rates

Michigan State University Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Michigan State University Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Michigan State University Federal Credit Union

Does Michigan State University Federal Credit Union offer CDs?

Are CDs from Michigan State University Federal Credit Union NCUA insured?

What is the highest CD rate at Michigan State University Federal Credit Union?

What CD terms does Michigan State University Federal Credit Union offer?

What is the highest savings rate at Michigan State University Federal Credit Union?

What is the highest money market rate at Michigan State University Federal Credit Union?

What is the highest checking rate at Michigan State University Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Michigan State University Federal Credit Union?

What is the lowest auto loan rate at Michigan State University Federal Credit Union?

What is the lowest personal loan rate at Michigan State University Federal Credit Union?

What is the lowest credit card APR at Michigan State University Federal Credit Union?

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

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Michigan State University Federal Credit Union rates compare?

Current Michigan State University Federal Credit Union Rates

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