OUCU Alert
Due to a vendor issue, emails sent to MSUFCU between 1/30/26, 9:30 p.m. ET and 1/31/26, 12:30 p.m. ET, were not received. This has been corrected. We apologize for the inconvenience.
Open Your Wallet
Routing Number: 272479663
 Swift Code: MSUCUS44
 
Open Your Wallet
 
×

Your Wallet

It looks like your wallet is currently empty.
Apply Now
You may be interested in...
SmartLine Home Equity Loan
SmartLine Home Equity Loan
Add to WalletLearn More
Totally Gold Checking
Totally Gold Checking
Add to WalletLearn More
We're here to help.
Accounts
Accounts
Account Access
Account Services
Account Management
Branch Services
Branch Services
General
General
Careers
Miscellaneous
Loans
Loans
Vehicle Loans
Leases
Home Loans
Personal Loans
Visa
Visa
Debit
Credit
Accounts
Accounts
Account Access
Account Services
Account Management
Branch Services
Branch Services
General
General
Careers
Miscellaneous
Loans
Loans
Vehicle Loans
Leases
Home Loans
Personal Loans
Visa
Visa
Debit
Credit
What are the term limits of a SmartLine℠ Home Equity Loan?
A SmartLine℠ Home Equity Loan has a term of 25 years. For the first 15 years advances may be taken from the available credit. After the advance period, there is a 10 year payback period. Once reaching the payback period, no other advances are able to be made from the SmartLine℠ Home Equity Loan. The interest rate you qualify for will be determined based on recent soft credit pull or credit report score and the amount owed will be broken down into 120 equal payments
Was this information helpful?
Yes, thank you
No, not really
Please let us know how we can make this better.
    Great!
    Thank you for your feedback!
    Last year, we saved our members $13,371,000 in loan interest by refinancing their high-rate loans from other institutions to OU Credit Union.
    Learn how we're helping members save
    Contact Oakland University Credit Union Contact Oakland University Credit Union Contact Us
    248-364-4708
    800-766-6828
    Video Chat with Oakland University Credit Union representatives Video Chat with Oakland University Credit Union representatives Video Chat - Closed
    Find a Oakland University Credit Union branch location Find a Oakland University Credit Union branch location Visit a Branch
    Locate a Oakland University Credit Union ATM Locate a Oakland University Credit Union ATM Find an ATM
    Your Credit Union
    Who We Are
    Click to scroll back to top of the page Click to scroll back to top of the page
    TOP
    Routing Number: 272479663
    Swift Code: MSUCUS44

    If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-766-6828 for assistance.  All products and services available on this website are available at all OU Credit Union full-service locations.

    This Website Uses Cookies X
    We use cookies to personalize our services and provide you with the best possible experience on our websites. By continuing use, you agree to this cookie usage. You may be able to delete or otherwise manage cookies through your browser settings. View our Privacy Notice and CCPA Notice.