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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Insured Money
Management Account (IMMA)

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Insured Money Management Account (IMMA)
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Insured Money
Management Account (IMMA)
Description
An IMMA allows you to have immediate access to your funds, while earning higher dividends on balances of $2,000 or more.

Requirements
• No minimum opening balance requirement
• $50 minimum opening balance for the IRA/HSA IMMA
• $2,000 minimum balance to start earning dividends

Unlimited Withdrawals
You may make as many of the following transfers per calendar month as you would like:

• Transfers or withdrawals made in person at a branch, by mail or at an ATM
• Withdrawal by check mailed to the depositor, requested by telephone call, MoneyLine or ComputerLine
• Automatic payment of service fees at MSUFCU
• Automatic transfers for the repayment of loans at MSUFCU

Electronic Transfer of Payment
An IMMA is a savings account and allows six (6) electronic transfers out of the account per month. The following transactions are included in the limit of six (6) transfers out:

• Overdraft transfers
• Telephone transfers
• Checks written checks from IMMA must be for a minimum of $500 each
• ComputerLine, MoneyLine, and mobile app transfers
• Pre-authorized or automatic payments or transfers to third-party companies

How to Open
Login to ComputerLine, select Manage from the top menu, and click Add a Savings or IMMA Account under the Create or Modify Accounts section.

Reviews
4.82 stars out of 5
857 Member Reviews
5 stars out of 5
(791)
4 stars out of 5
(27)
3 stars out of 5
(15)
2 stars out of 5
(7)
1 stars out of 5
(17)
Rate this Product
Great acct
5 stars out of 5
Love the ayp earned. Keeps growing!
The Best savings acct
5 stars out of 5
Good rates
5 stars out of 5
Rates are reasonable
Best Product by MSUFCU!
5 stars out of 5
I live in San Francisco and still keep this as my main go-to account, mostly because the service and local credit union feel are hard to beat, and the amazing customer service and all the little things they do! If you understand what an IMMA does, this is by far the best offering.

Most of the poor reviews below seem to be from people who don't understand that a money market rate by nature fluctuates, because you know, market, or that the improved service, benefits and MSU support from a credit union come at a price, i.e not matching the rates of a commercial bank.
Love the extra interest!
5 stars out of 5
Just perfect to earn interest and still have the $ fluid for needs.