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Routing Number: 272479663
Swift Code: MSUCUS44
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Disclosure Information

Please note, Oakland University Credit Union (OU Credit Union) is a trade name of Michigan State University Federal Credit Union (MSUFCU). All legal documents, including the below disclosures, will have MSUFCU logo/brand marks, as required by regulation.

General Membership Agreements
California Consumer Privacy Act Disclosure
Childrens Online Privacy Protection Act
DocuSign Disclosure
*Also applies to Business Accounts
Electronic Correspondence Disclosure and Agreement
Electronic Funds Transfer and Payment Services Agreement and Disclosure
Membership and Account Agreement
Member Standing and Limitation of Services Guidelines
Multi-Featured Loan Agreement
Privacy Policy
Schedule of Service Charges
USA Patriot Act
Checking & Savings
Bill Payment Agreement & Disclosure
*Also applies to Business Accounts
Certificate and IRA/HSA IMMA Disclosure
eAlerts Terms and Conditions
*Also applies to Business Accounts
eDeposit Services Agreement
*Also applies to Business Accounts
NCUA Insurance
Truth in Savings and Funds Availability Disclosure
Visa Debit Card Agreement
Platinum Visa Credit Card Agreement and Truth in Lending Disclosure
Platinum Plus Visa Credit Card Agreement and Truth-in-Lending Disclosure
Platinum Plus Cash Back Rewards Disclosure
Visa Debit Card Agreement
Visa Gift Card Disclosure
Visa Periodic Disclosure
Visa Signature Disclosure
Visa Signature Truth in Lending
Additional Visa Disclosures and Agreements
Auto Rental Collision Damage Waiver
Extended Warranty Protection
Merchant Surcharge Fees
MSUFCU Affinity Credit Card Agreement with Michigan State University
Ride Share Protection
Roadside Dispatch Disclosure
Travel Accident Insurance
Travel and Emergency Assistance Services
Visa Debit Travel Accident Insurance
Visa Signature Auto Rental Collision Damage Waiver
Visa Signature Travel Accident Insurance
Home Loans
Borrowers Bill of Rights
Consumer Caution and Home Ownership Counseling Notice
Consumer Handbook on Adjustable-Rate Mortgages
Home Mortgage Disclosure Act Notice
Important Terms of Home Equity Lines-of-Credit
Mortgage Information
Nationwide Mortgage Licensing Systems ID's
SmartLine Disclosure
What You Should Know about Your Home Equity Line-of-Credit
Business Accounts
Business Account Fee Schedule
Business Cash Back Visa Credit Card
Cash Back Rewards Program Disclosure
Business Cash Back Visa Credit Card Disclosure
Business Visa Credit Card Agreement and Disclosure Statement
Platinum Resource Visa Credit Card for Business Disclosure
Multi-Featured Loan Agreement