Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Michigan State University Federal Credit Union Rates & Review September 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 and Verified: September 21, 2026
Michigan State University Federal Credit Union's 2-Year CD or IRA-HSA Jumbo rates are at 4.15%, 5-Year CD or IRA-HSA Jumbo rates are at 4.05%, 2-Year CD or IRA-HSA rates are at 4.00%, 3-Year CD or IRA-HSA Jumbo rates are at 4.00%, 4-Year CD or IRA-HSA Jumbo rates are at 4.00%. 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 Jumbo Fixed-Rate Mortgages - 15 Year rates are at 6.00%, Jumbo Fixed-Rate Mortgages - 15 Year rates are at 6.25%, Conventional Fixed-Rate Mortgages - 15 Year rates are at 6.00%, Conventional Fixed-Rate Mortgages - 15 Year rates are at 6.25%, Jumbo Adjustable-Rate Mortgages - 5/1 rates are at 6.25%. 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 9.07%. Rates last updated and verified on 09/21/2026. 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 Home Equity & HELOC
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 HistoryMichigan 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 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
1,357
Part-Time Employees
51
Branch Locations
36
ATM Locations
34
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
9.07%
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
Customer Reviews
There are no reviews for Michigan State University Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Michigan State University Federal Credit Union
Frequently Asked Questions About Michigan State University Federal Credit UnionHow 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.
Compare to Other Credit Unions
Boise Fire Department Credit Union
Mt Gilead Federal Credit Union
New Horizon Federal Credit Union
Caprock Federal Credit Union
Tandem Federal Credit Union
Responders Emergency Services Credit Union
Great Falls Regional Federal Credit Union
Jackson County Co Op Credit Union JCCCU
Energy Capital Credit Union
Pacific Service Credit Union
First Community Credit Union Houston, TX
Penn South Cooperative Federal Credit Union
InTouch Credit Union
Allvac Savings And Credit Union
First Baptist Church Federal Credit Union
Eastmill Federal Credit Union
Montcalm Public Employees Credit Union
Natchez Educators Federal Credit Union
1st United Credit Union
Back Mountain Federal Credit Union
Oklahoma Central Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking