Regular Share Account

This is your most basic savings account … the one that maintains your membership in the MSU Federal Credit Union. It’s called a “share” account because each $5.00 you deposit gives you one share in the credit union. For your security, each member’s combined accounts are insured by the National Credit Union Administration, an agency of the U.S. government.

Share Draft Account

A share draft account offers the same acceptability and convenience of a checking account, with some attractive extras such as overdraft protection, direct deposit of paycheck, no monthly fee, and no minimum balance requirement. Any number of transactions can be made each month at no charge.

Share Certificated Program

The MSU Federal Credit Union offers a variety of share certificates. Certificates range in maturity from 13 weeks to 30 months, and minimum amounts of deposit range from $500.00 to $2000.00.


Your MSU Federal Credit Union can show you the way to greater financial security with your own Individual Retirement Account. Even if you are enrolled in a retirement plan at work, come and talk to us about the advantages of an MSU Federal Credit Union IRA. Deposits can be made by payroll deduction.

Christmas Club Account

To help you prepare for next year’s holiday, your credit union encourages you to get the saving habit today. Imagine a hassle-free Christmas Club account with deposits made through payroll deduction … no weekly trips and no deposit books, and the Christmas Club pays dividends.

Order Checks

Fee Schedule

Visa Check Card

We offer a VISA Check Card that can be used instead of a share draft for purchases or ATM withdrawal. The funds are taken directly from your share draft account. This card can be used to make purchases or to obtain cash from ATMs at millions of locations worldwide. Call or come by the credit union for more details.


Credit unions have a reputation for providing members with reasonably priced credit, and the MSU Federal Credit Union is no exception. Check our rates when it comes to consumer goods such as cars, boats, major appliances, revolving credit, share back, signature loans and home equity. Credit life and credit disability insurance can be added to your monthly payment at a very reasonable cost.

Loan application

Indirect Lending

This service allows our members the convenience to obtain Credit Union financing while at the auto dealership. A member may go to any participating dealership to purchase a vehicle and finalize the paperwork on the spot! Click here for participating dealerships.

Credit union members have the opportunity to apply for a VISA credit card through the MSU Federal Credit Union. No annual fee and an interest rate as low as 9.95% APR (annual percentage rate) are just a couple of the features that make it a very attractive credit card option.

Credit Card application