MSUFCU Alert
COVID-19 Update: The Credit Union is considered an essential business and will remain open during the Stay at Home Order. Due to a higher volume of Live Chat, Call Center, and Drives Service requests wait times may be longer than usual. To keep our members and employees safe, we have made modifications throughout the Credit Union. Click to view the full update and branch hours modifications.

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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Financial Freedom with MSUFCU Visa Cards

as low as
9.90% APR
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Platinum Visa
as low as
9.90% APR
 
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Platinum Visa Credit Card
What we offer
• Low rate
• No application, annual or balance transfer fees
Auto Rental Collision Damage Protection
Roadside Dispatch
Travel Emergency Assistance Services
• Travel Accident Insurance
Free Quarterly FICO® Score

Balance Transfers
Move your high-rate balances to your low-rate MSUFCU Visa Credit Card and save money while making one low monthly payment.

Plus, you never pay a balance transfer fee, helping to save you even more money when consolidating your credit card payments.

Contact us and we can transfer your balances electronically, issue cashier's checks to transfer your balances, or issue you blank checks that you can complete and send to your other creditors.



Cardmember Agreements
Get FilePlatinum Visa Credit Card Agreement and Truth-in-Lending Disclosure Get FileAccount Agreement and Disclosure
Get FileAuto Rental Collision Damage Waiver Get FileMulti-Featured Loan Agreement
Get FileDocuSign Disclosure Get FileUSA Patriot Act
Get FileVisa Gift Card Disclosure Get FileMyDesign Image Guidelines and Terms & Conditions
Get FileReloadable Visa Debit Card Disclosure Get FileMerchant Surcharge Fees
Get FileVisa Periodic Disclosure Get FileMSUFCU Affinity Credit Card Agreement with Michigan State University
Get FilePlatinum Visa for Teens Agreement Get FileRoadside Dispatch Disclosure

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

9.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member's credit score.

Balance Transfer Offer Details
1 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 9.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.
Reviews
4.82 stars out of 5
1552 Member Reviews
5 stars out of 5
(1446)
4 stars out of 5
(38)
3 stars out of 5
(16)
2 stars out of 5
(11)
1 stars out of 5
(42)
Rate this Product
I like my credit card.
5 stars out of 5
Payments are super easy to make with the mobile MSUFCU app. I've used it to make a few big purchases and it's been easy to stay on top of.
Versatile!
5 stars out of 5
Love this card!
Nice card
5 stars out of 5
Declines a few that I dont want declined, but calls to check. Better that then the alternative.
Fantastic
5 stars out of 5
Rate is too high
3 stars out of 5
MSUFCU is a great organization, but Visa rates are not competitive.