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Routing Number: 272479663 Swift Code: MSUCUS44
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SmartLine Home Equity Loan
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Home Improvement Loan
Build your deck, update your bathroom or renovate your kitchen without breaking your budget. MSUFCU unsecured Home Improvement Loan offers you the low-cost financing you need.

• Rates as low as 8.99% APR
• Pay only what you owe for as long as you borrow

To apply, click the Apply Now button below, in the OU Credit Union Mobile app, by phone or at a branch. If you have questions, contact the Mortgage Department directly at 517-333-2424 option 3.
4.94 stars out of 5
207 Member Reviews
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5 stars out of 5
Amazing, quick and simple process! So helpful and convenient.
5 stars out of 5
Very quick response on loan
5 stars out of 5
This was a perfect option for us to be able to remodel our home and turn it into our forever home. Although the payments are high, it is worth not having to charge everything to a credit card.
Best credit union!
5 stars out of 5
Awesome service and fast approvals! Love MSUFCU!
Home Improvment
5 stars out of 5
Wonderful loan, quickly approved, great interest rate!! Always love working with MSU and the amazing products they offer!
APR is annual percentage rate, and is subject to change. Your rate will depend on your credit score and the term. The loans subject to credit approval.

Loan Payment Example: The monthly payment per $1,000 borrowed at 8.99% APR for a term of 36 months would require 36 monthly payments of $31.80 based on 30 days to first payment. . Credit is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors.

Get FileElectronic Correspondence Disclosure and Agreement Get FileMulti-Featured Loan Agreement
Get FileService Fee Schedule Get FilePrivacy Policy
Get FileDocuSign Disclosure Get FileBorrowers Bill of Rights
Get FileConsumer Caution and Home Ownership Counseling Notice Get FileElectronic Correspondence Disclosure and Agreement
Get FilePayCard Agreement and Disclosure Get FileMortgage Information
Get FileNationwide Mortgage Licensing Systems IDs Get FileHome Mortgage Disclosure Act Notice