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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Conventional Fixed-Rate Mortgage
as low as
3.500%
Adjustable Rate Mortgage
as low as
3.000%
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Mortgage Options
What we offer
When you find the one, you know. Maybe it's the open layout, a cozy family room, or a kitchen that will serve as the hub for family gatherings. Let us help you get into the home of your dreams. And now you can quickly and conveniently apply for a mortgage through the MSUFCU Mobile app.

Conventional Fixed-Rate Mortgage
Finance your home with the institution you trust. Select from 10-, 15-, 20- and 30-year terms with a fixed rate for the length of the loan. A down payment of at least 3% is required.

Adjustable-Rate Mortgage
Secure your home loan at a lower rate for the first 3 to 5 years. Adjustable-Rate Mortgages are perfect for short-term home ownership, large payments towards the loan in the first few years, or for members simply looking to save money with a lower fixed rate for the first 3 to 5 years. Select from 3-1 or 5-1 ARMs for 15- or 30-year terms.


Disclosures

Primary residences, owner-occupied, vacation homes, or single family located within Michigan.

Get FileElectronic Correspondence Disclosure and Agreement Get FileMulti-Featured Loan Agreement
Get FileService Fee Schedule Get FilePrivacy Policy
Get FileDocuSign Disclosure Get FileBorrowers Bill of Rights
Get FileConsumer Caution and Home Ownership Counseling Notice Get FileElectronic Correspondence Disclosure and Agreement
Get FileMortgage Information Get FileNationwide Mortgage Licensing Systems IDs Get FileHome Mortgage Disclosure Act Notice Get FileConsumer Handbook on Adjustable-Rate Mortgage

Fixed-Rate Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $240,000 with 20% down payment, the mortgage for $200,000 borrowed at a 4.50% interest rate (4.56% APR) for a term of 360 months would require monthly payments of $1,013.37. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

5/1 ARM Mortgage Loan Payment Example: A primary residence, owner-occupied single family home in Michigan with a purchase price of $240,000 with 20% down payment, the mortgage for $200,000 borrowed at 4% interest rate (APR Rate 4.06% ) for a term of 360 months would require monthly payments of $954.83. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender
Reviews
4.86 stars out of 5
274 Member Reviews
5 stars out of 5
(259)
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(6)
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(3)
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(0)
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Mortgage
5 stars out of 5
Great service, very fast.
Outstanding Experience!
5 stars out of 5
Extremely helpful and knowledgeable staff. Amazing rates! Really could not have asked for an easier/better process for refinancing our home. I love MSUFCU!
Awesome rate and member service
5 stars out of 5
We got a great rate and are saving thousands over the term of the loan. We were able to go down to a 15 yr mortgage from a 30 yr. Member service was exceptional even with the hardships of getting the process done during these hard coronavirus times we are living in. So thankful to MSUFCU.
Awesome Credit Union
5 stars out of 5
MSUFCU is my go to for all banking needs. An awesome local choice for all your banking needs.
Nice and simple
5 stars out of 5
Very easy to work with the get the loan and easier to work with to make the payment each month.