Credit union · NCUA insured
MSU Federal Credit Union
Top CarrotA $8.5B credit union, the 46th largest of 4,329, headquartered in East Lansing, MI, with 399,480 members and 37 branches in 2 states. Best rates: CDs 4.50% and savings 1.25% APY.
MSU Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#4 of 22 in Lansing, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MSU Federal Credit Union
Founded in 1937, MSU Federal Credit Union is a member-owned credit union established to provide a safe place for members to borrow and save money.
Headquartered in East Lansing, Michigan, the credit union acquired Algonquin State Bank and McHenry Savings Bank in 2024.
- Headquarters
- 3777 West Rd, East Lansing, MI 48823-8029
- NCUA charter
- 23279
Branches
37 branches in 2 states
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Michigan
26 branches
Lansing area · 14
- MSUFCU - HeadquartersMain office3777 West Rd, East Lansing, MI 48823Directions
- MSUFCU - Charlotte Branch180 High St, Charlotte, MI 48813Directions
- MSUFCU - Abbot Building311 Abbot Rd, East Lansing, MI 48823Directions
- MSUFCU - Farm Lane Branch4825 E Mount Hope Rd, East Lansing, MI 48823Directions
- MSUFCU - Headquarter Branch3775 Coolidge Rd, East Lansing, MI 48823Directions
- MSUFCU - Union Building49 Abbot Rd Rm 108, MSU Federal Credit Union, East Lansing, MI 48824Directions
- MSUFCU - Marsh Branch16861 Marsh Rd, Haslett, MI 48840Directions
- MSUFCU - Holt Branch2313 Cedar St, Holt, MI 48842Directions
- MSUFCU - Downtown Lansing Branch104 S Washington Sq, Lansing, MI 48933Directions
- MSUFCU - South Lansing Branch200 E Jolly Rd, Lansing, MI 48910Directions
- MSUFCU - Westside Branch653 Migaldi Ln, Lansing, MI 48917Directions
- MSUFCU - Mason Branch1140 S Jefferson St, Mason, MI 48854Directions
- MSUFCU - Central Park Branch1775 Central Park Dr, Okemos, MI 48864Directions
- MSUFCU - Meridian Crossing2300 Jolly Rd, Okemos, MI 48864Directions
Detroit area · 8
- OUCU - Auburn Hills Regional Office3220 University Dr, Auburn Hills, MI 48326Directions
- MSUFCU - Berkley Branch1833 Coolidge Hwy, Berkley, MI 48072Directions
- MSUFCU - Brighton8510 W Grand River Ave, Brighton, MI 48116Directions
- MSUFCU - Sashabaw Branch6051 Sashabaw Rd, Clarkston, MI 48346Directions
- MSUFCU - Congress Street Branch243 W Congress St, Detroit, MI 48226Directions
- MSUFCU - Novi43420 Grand River Ave, Novi, MI 48375Directions
- MSUFCU - Ortonville Branch4 South St, Ortonville, MI 48462Directions
- OUCU - Oakland Center BranchOakland Center, Suite 148, 312 Meadow Brook Rd, Rochester, MI 48309Directions
Traverse City area · 2
- MSUFCU - Traverse City US 313752 N US Highway 31 S, Traverse City, MI 49684Directions
- MSUFCU - Traverse City Union312 S Union St, Traverse City, MI 49684Directions
Jackson area · 1
- MSUFCU - Jackson Branch1800 N Wisner St, Jackson, MI 49202Directions
Grand Rapids area · 1
- MSUFCU - Kentwood4580 28th St SE, Kentwood, MI 49512Directions
Illinois
11 branches
- MSUFCU - Algonquin Rd. Branch800 E Algonquin Rd, Algonquin, IL 60102Directions
- MSUFCU - Randall Rd. Branch2400 Huntington Dr N, Algonquin, IL 60102Directions
- MSUFCU - Clark Street Branch1550 N Clark St, Chicago, IL 60610Directions
- MSUFCU - Division Street101 W Division St, Chicago, IL 60610Directions
- MSUFCU - Gold Coast Office1165 N Clark St, Ste 200, Chicago, IL 60610Directions
- MSUFCU - Halsted Street2500 N Halsted St, Chicago, IL 60614Directions
- MSUFCU - Lincoln Avenue2727 N Lincoln Ave, Chicago, IL 60614Directions
- MSUFCU - North Avenue Branch2234 W North Ave, Chicago, IL 60647Directions
- MSUFCU - Johnsburg Branch4000 N Johnsburg Rd, Johnsburg, IL 60051Directions
- MSUFCU - McHenry Branch353 Bank Dr, McHenry, IL 60050Directions
- MSUFCU - Richmond Branch10520 N Main St, Richmond, IL 60071Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.96% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.24% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.31% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalNet worth ratio8.96%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.24%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MSU Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.