Michigan State University Credit Union

East Lansing, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Michigan State University Credit Union rates

86 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

6 offers
Michigan State University Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Loanother6.625% APR6.625%—Standard
SmartLine Fixed Segments 2 (Up to 36 months)other6.640% APR6.640%—Standard
SmartLine Fixed Segments 2 (Up to 60 months)other6.690% APR6.690%—Standard
SmartLine Fixed Segments 2 (Up to 120 months)other7.550% APR7.550%—Standard
SmartLine Fixed Segments 2 (Up to 180 months)other7.650% APR7.650%—Standard
Platinumother9.900% APR9.900%—Standard

Auto & vehicle rates

1 offer
Michigan State University Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.990% APR4.990%—Standard

Personal loan rates

1 offer
Michigan State University Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
as low as 11.50% APR 1 (Line of Credit)ploc_variable17.900% APR17.900%—Standard

Credit card rates

1 offer
Michigan State University Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Cash Back Platinum Plus Visacredit_card_cash_back13.900% APR13.900%—Standard

Savings & CD rates

42 offers
Michigan State University Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Business Spartan Saversavings0.05% APY0.05%—Standard
Business Sweep - Tier 2savings0.95% APY0.95%—Standard
Business Sweep - Tier 1savings0.95% APY0.95%—Standard
Savings Builder - Tier 3savings0.98% APY0.98%—Standard
IRA-HSA IMMA - Tier 1ira1.00% APY1.00%—Standard
IMMAmoney_market1.00% APY1.00%—Standard
Money Market Checking - Tier 2money_market1.00% APY1.00%—Standard
Welcome!savings1.00% APY1.00%—Standard
Money Market Checking - Tier 1money_market1.00% APY1.00%—Standard
IRA-HSA IMMA - Tier 2ira1.00% APY1.00%—Standard
Business Sweep - Tier 4savings1.20% APY1.20%—Standard
Business Sweep - Tier 3savings1.20% APY1.20%—Standard
Business Sweep - Tier 5savings1.20% APY1.20%—Standard
Money Market Business Checking - Tier 1money_market1.20% APY1.20%—Standard
IRA-HSA IMMA - Tier 3ira1.25% APY1.25%—Standard
Business Sweep - Tier 7savings1.25% APY1.25%—Standard
Business Sweep - Tier 6savings1.25% APY1.25%—Standard
Business IMMA - Tier 3money_market1.25% APY1.25%—Standard
IRA-HSA IMMA - Tier 4ira1.35% APY1.35%—Standard
Business IMMA - Tier 4money_market1.35% APY1.35%—Standard
Money Market Checking - Tier 3money_market1.35% APY1.35%—Standard
Money Market Business Checking - Tier 2money_market1.35% APY1.35%—Standard
Money Market Checking - Tier 4money_market1.70% APY1.70%—Standard
Money Market Business Checking - Tier 3money_market1.80% APY1.80%—Standard
IMMA - Tier 6money_market2.00% APY2.00%—Standard
Business IMMA - Tier 5money_market2.00% APY2.00%—Standard
IRA-HSA IMMA - Tier 5ira2.00% APY2.00%—Standard
IRA-HSA IMMA - Tier 6ira2.00% APY2.00%—Standard
Business IMMA - Tier 6money_market2.40% APY2.40%—Standard
IRA-HSA IMMA - Tier 8ira3.25% APY3.25%—Standard
IMMA - Tier 9money_market3.25% APY3.25%—Standard
IMMA - Tier 8money_market3.25% APY3.25%—Standard
IMMA - Tier 7money_market3.25% APY3.25%—Standard
IRA-HSA IMMA - Tier 9ira3.25% APY3.25%—Standard
IRA-HSA IMMA - Tier 7ira3.25% APY3.25%—Standard
Business IMMA - Tier 7money_market3.35% APY3.35%—Standard
Business IMMA - Tier 8money_market3.35% APY3.35%—Standard
Business IMMA - Tier 9money_market3.35% APY3.35%—Standard
Savings Builder - Tier 2savings3.62% APY3.62%—Standard
Savings Builder - Tier 1savings5.00% APY5.00%—Standard
15 Yearsavings6.20% APY1.00%—Standard
30 Yearsavings6.57% APY1.00%—Standard

Other rates

35 offers
Michigan State University Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
as low as 4.99% APR 1 (Up to 36 months)other4.990% %4.990%—Standard
as low as 4.99% APR 1 (37 to 48 months)other6.040% %6.040%—Standard
as low as 4.99% APR 1 (61 to 72 months)other6.040% %6.040%—Standard
as low as 4.99% APR 1 (73 to 84 months)other6.040% %6.040%—Standard
as low as 4.99% APR 1 (49 to 60 months)other6.040% %6.040%—Standard
as low as 6.44% APR 1 (Up to 36 months)other6.440% %6.440%—Standard
as low as 6.44% APR 1 (61 to 72 months)other6.640% %6.640%—Standard
as low as 6.44% APR 1 (37 to 48 months)other6.640% %6.640%—Standard
as low as 6.44% APR 1 (73 to 84 months)other6.640% %6.640%—Standard
as low as 6.44% APR 1 (49 to 60 months)other6.640% %6.640%—Standard
70% LTVother6.750% %6.750%—Standard
as low as 11.50% APR 1 (Up to 24 months)other7.000% %7.000%—Standard
80% LTVother7.000% %7.000%—Standard
as low as 7.44% APR 1 (Up to 60 months)other7.440% %7.440%—Standard
as low as 7.44% APR 1 (61 to 84 months)other7.490% %7.490%—Standard
90% LTVother7.500% %7.500%—Standard
as low as 7.44% APR 1 (121 to 144 months)other7.540% %7.540%—Standard
as low as 7.44% APR 1 (85 to 120 months)other7.540% %7.540%—Standard
as low as 7.64% APR 1 (Up to 36 months)other7.640% %7.640%—Standard
as low as 7.44% APR 1 (145 to 180 months)other7.740% %7.740%—Standard
as low as 7.64% APR 1 (37 to 48 months)other7.740% %7.740%—Standard
as low as 7.64% APR 1 (49 to 60 months)other7.740% %7.740%—Standard
as low as 7.64% APR 1 (61 to 72 months)other7.790% %7.790%—Standard
as low as 7.64% APR 1 (73 to 84 months)other8.290% %8.290%—Standard
as low as 9.99% APR 1 (Up to 36 months)other9.990% %9.990%—Standard
as low as 9.99% APR 1 (37 to 48 months)other10.240% %10.240%—Standard
as low as 9.99% APR 1 (49 to 60 months)other10.990% %10.990%—Standard
as low as 11.50% APR 1 (Up to 18 months)other11.500% %11.500%—Standard
as low as 9.99% APR 1 (61 to 120 months)other11.990% %11.990%—Standard
as low as 11.50% APR 1 (19 to 84 months)other12.740% %12.740%—Standard
Platinum Plusother13.900% %13.900%—Standard
as low as 9.99% APR 1 (121 to 180 months)other13.990% %13.990%—Standard
as low as 11.50% APR 1 (85 to 180 months)other14.240% %14.240%—Standard
as low as 11.50% APR 1 (Up to 84 months)other17.990% %17.990%—Standard
as low as 11.50% APR 1 (Up to 6 months)other28.000% %28.000%—Standard

As of August 4, 2026, Michigan State University Credit Union offers mortgage rates from 6.625% APR. Auto loans available from 4.99% APR. Personal loan rates from 17.9% APR. Credit card rates from 13.9% APR. Savings and certificate yields up to 6.57% APY.

Source: RateAPI.dev, verified from Michigan State University Credit Union's official website

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About Michigan State University Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
399.5K
Assets
$8.5B
Founded
1979
Locations reported
38
NCUA charter
23279
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Payday Alternative Loans I

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

CaseLake Lansing Branch · East Lansing · MI · 48823-7347Branch in the same ZIPConsumersEast Lansing · East Lansing · MI · 48823Branch in the same ZIPLake TrustLake Lansing Branch · East Lansing · MI · 48823Branch in the same ZIPAdventureLake Lansing · Lansing · MI · 48912-5668About 3.7 miles awayDFCU FinancialDFCU - Lake Lansing · Lansing · MI · 48912-3710About 3.7 miles awayNotre DameLansing Branch · Lansing · MI · 48912-1186About 3.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Michigan State University Credit Union

Membership eligibility from Michigan State University Credit Union's own published criteria. How we verify this.

Membership criteria are published on Michigan State University Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Michigan State University Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Michigan State University Credit Union?

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Frequently Asked Questions

What rates does Michigan State University Credit Union offer?

Michigan State University Credit Union currently offers mortgage, Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Michigan State University Credit Union rates updated?

RateAPI verifies Michigan State University Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Michigan State University Credit Union's rate data?

Rate data is collected directly from Michigan State University Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Michigan State University Credit Union's mortgage rate?

As of August 4, 2026, Michigan State University Credit Union offers mortgage rates from 6.625% APR.

What are Michigan State University Credit Union's auto loan rates?

As of August 4, 2026, Michigan State University Credit Union offers auto loans from 4.99% APR.

What is Michigan State University Credit Union's personal loan rate?

As of August 4, 2026, Michigan State University Credit Union offers personal loans from 17.9% APR.

What is Michigan State University Credit Union's best CD rate?

As of August 4, 2026, Michigan State University Credit Union offers savings and certificate (CD) yields up to 6.57% APY.

Related Rate Data

Compare Michigan State University Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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Track Michigan State University Credit Union rates

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# Get rates for Michigan State University Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/michigan-state-university" \
  -H "Authorization: Bearer YOUR_API_KEY"
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