Routing Number: 272479663
Swift Code: MSUCUS44
MSUFCU | Account Services | eServices

Maintenance Made Easy

OU Credit Union's electronic services make handling your account hassle-free.

To help members achieve their financial goals, OU Credit Union members who have an active loan or checking account with us can now view their FICO® Score in ComputerLine and on the OUCU Mobile app. This FICO® Score is based on data from Experian on a quarterly basis and will not impact your credit score. OU Credit Union offers free access to your FICO® Score so you can stay on top of your credit and avoid any surprises.


Because FICO® Scores are based on the information in your credit reports, it is very important to make sure that the credit report information is accurate. You should review your credit report from each consumer reporting agency (CRA) at least once a year and before making any large purchases, such as a home or car.


You have the right to obtain one free credit report each year from each of the consumer reporting agencies through Please note that your free credit report will not include your FICO® Score.


What are FICO® Scores?
The credit scores most widely used in lending decisions are FICO® Scores, the credit scores created by Fair Isaac Corporation (FICO). Lenders can request FICO® Scores from all three major credit reporting agencies. Lenders use FICO® Scores to help them make billions of credit decisions every year. FICO develops FICO® Scores based solely on information in consumer credit files maintained at the credit reporting agencies. Understanding your FICO® Score can help you better understand your credit risk and allow you to effectively manage your financial health. A good FICO® Score means better financial options for you.


What is a good FICO® Score?
The score above which a lender would accept a new application for credit, but below which the credit application would be denied, is known as the “score cutoff”. Since the score cutoff varies by lender, it’s hard to say what a good FICO® Score is outside the context of a particular lending decision. For example, one auto lender may offer lower interest rates to people with FICO® Scores above, say, 680; another lender may use 720, and so on. Your lender may be able to give you guidance on their criteria for a given credit product.


What are Key Score Factors?
When a lender receives your FICO® Score, “key score factors” are also delivered, which are the top factors that affect the score. Addressing some or all of these key score factors can help you more responsibly manage your financial health over time. Having good FICO® Scores can put you in a better position to qualify for credit or better terms in the future.


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FICO® SCORE TERMS: Your FICO® Score and key factors are based on data from Experian and may be different from other credit scores. This information is intended for and only provided to members who have an active lending relationship with the Credit Union. Scores are provided within ComputerLine and the OUCU Mobile app with key factors for eligible individuals. You will see up to a year of scores starting when you start your lending relationship with us. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.


Oakland University Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Oakland University Credit Union and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.


1 Information provided may not reflect the view of OU Credit Union.