MSU Federal Credit Union

Disclosures

General Membership Agreements

California Consumer Privacy Act Disclosure

Childrens Online Privacy Protection Act (COPPA) - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Children's Online Privacy Protection Act (COPPA) - Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

DocuSign Disclosure - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

DocuSign Disclosure Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Electronic Correspondence Disclosure and Agreement - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Electronic Correspondence Disclosure and Agree Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Electronic Funds Transfer and Payment Services Agreement and Disclosure - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Electronic Funds Transfer and Payment Services Agreement and Disclosure - Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Membership and Account Agreement - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Membership and Account Agreement Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Member Standing, Limitation of Services, and Expulsion Guidelines

Privacy Notice

Schedule of Service Charges

Social Media Guidelines - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Social Media Guidelines - Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

USA PATRIOT Act

USA Patriot Act

Checking & Savings

Bonus Disclosures

Certificate Disclosure - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Certificate Disclosure Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

eDeposit Services Agreement

eDeposit Services Agreement
*Also applies to Business Accounts

IRA & IRA/HSA IMMA Disclosure

NCUA Insurance Disclosure

NCUA Insurance

Payment Services Disclosure

Payment Services Disclosure
*Also applies to Business Accounts

SMS Terms and Conditions

SMS Terms and Conditions
*Also applies to Business Accounts

Truth in Savings and Funds Availability Disclosure - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Truth in Savings and Funds Availability Disclosure Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Visa Debit Card Agreement

Visa

Platinum Plus Cash Back Rewards Disclosure

Visa Debit Card Agreement

Visa Gift Card Disclosure

Visa Signature Cash Back Rewards Disclosure

Visa Signature Disclosure

Application and Solicitation Disclosure

Credit Card Agreement and Disclosure

Additional Visa Disclosures and Agreements

Auto Rental Collision Damage Waiver

Extended Warranty Protection

Merchant Surcharge Fees

MSUFCU Affinity Credit Card Agreement with Michigan State University

RideShare Protection

Ride Share Protection

Roadside Dispatch Disclosure

Travel Accident Insurance

Travel and Emergency Assistant Services

Travel and Emergency Assistance Services

Visa Debit Travel Accident Insurance

Visa Signature Auto Rental Collision Damage Waiver

Visa Signature Travel Accident Insurance

Home Loans

Consumer Caution and Home Ownership Counseling Notice

Reconsideration of Value - Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Consumer Handbook on Adjustable-Rate Mortgage

Consumer Handbook on Adjustable-Rate Mortgages

Home Mortgage Disclosure Act Notice

Mortgage Information - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Mortgage Information - Version B

This version applies to accounts that were initially opened before 7/1/26. This version remains in effect for such accounts through 8/17/26.

Nationwide Mortgage Licensing Systems IDs

Nationwide Mortgage Licensing Systems ID's

SmartLine Disclosure

What You Should Know About Your Home Equity Line-of-Credit

What You Should Know about Your Home Equity Line-of-Credit

Reconsideration of Value - Version A

This version applies to accounts first opened on/after 7/1/26. On 8/17/26, this version will apply to all accounts, regardless of open date.

Business Accounts

Business Account Schedule of Service Charges

Business Cash Back Visa Credit Card Cash Back Rewards Program Disclosure

Business Cash Back Visa Credit Card
Cash Back Rewards Program Disclosure

Business Cash Back Visa Credit Card Disclosure

Business Visa Credit Card Agreement and Disclosure Statement

Platinum Resource Visa for Business Credit Card Disclosure

Platinum Resource Visa Credit Card for Business Disclosure

Business Funds Availability Addendum

Loans

Credit Card Agreement and Disclosure

Application and Solicitation Disclosure

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