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Routing Number: 272479663
Swift Code: MSUCUS44
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MSUFCU | Personal | Checking & Savings

Checking & Savings Accounts


OU Credit Union offers a variety of checking and savings options to suit your needs.

Checking Accounts

From free Totally Gold Checking to dividend-earning Money Market Checking, OU Credit Union has the checking options you've been looking for. Make the most of your account by signing up for eStatements and using our Visa Debit Card — the perfect companions for our checking accounts.

OU Credit Union’s Classic Checking account has all the features you look for in a checking account. Save $5 each month by maintaining a minimum balance of $500.

  • FREE OU Credit Union Visa Debit Card and ATM Card
  • FREE Bill Payment
  • No per check fees
  • 24/7 account access via ComputerLine, Gold on the Go® mobile banking, the OUCU Mobile App, MoneyLine, and CO-OP Network ATMs
  • Choose between paper or electronic monthly account statements
  • Direct deposit and overdraft protection available


Apply Today!

Login to ComputerLine, select Manage from the top menu, and click Apply for a Checking Account under the Create or Modify Accounts section.


* A $5.00 fee will be charged if your Classic Checking balance falls below $500 at any time during the month.

Savings Accounts

OU Credit Union has savings options to help you make the most of your money. Whether you're looking for a basic savings account or a higher-yield option, OU Credit Union has accounts to fit your financial needs.

OU Credit Union Certificates1 earn higher, fixed dividends while still receiving at least $250,000 in NCUA insurance on your funds.

  • No monthly or maintenance fees
  • Open a Certificate with as little as $50 for a 1-Year Add-On Certificate or $500 for all other terms
  • Flexible terms to suit your savings needs


1-Year Add-On Certificate1

OU Credit Union's 1-Year Add-On Certificate may be opened with as little as $50 and allows you to add funds at your convenience. You may add up to $10,000 total to the sum of all your 1-Year Add-On Certificates per year. For example, if you have five (5) 1-Year Add-On Certificates, any combination of amounts up to $10,000 could be added to each Certificate, but the total additions to all Certificates must not exceed $10,000 per member, per year.


Open a Certificate within ComputerLine

Login to ComputerLine, select Manage from the top menu, and click Add a Certificate under the Create or Modify Accounts section.


Or, use the message option in your ComputerLine account via the eMessage Center, visit a branch, or call 248-364-4708 or 800-766-6828.


Certificate rates are fixed for the term of the Certificate at the time the Certificate is opened. Additional deposits may not be made to Certificates other than the 1-Year Add-On Certificate. Up to a total of $10,000 may be added to a member’s 1-Year Add-On Certificate(s) each year. However, regardless of the number of 1-Year Add-On Certificates a member may hold, the total of all funds added to the 1-Year Add-On Certificate(s) cannot exceed $10,000 per member, per year. Additional deposits do not change the Certificate's maturity date or rate. The earnings assume that the funds remain on deposit for the term of the Certificate and are compounded monthly.


Early withdrawal penalties:
Terms of one year or less: Penalty is equal to 90 days’ dividends, based on amount withdrawn.
Terms of more than one year: Penalty is equal to 180 days’ dividends, based on amount withdrawn.
If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover the penalty. Early withdrawal penalties will not be charged in cases of withdrawal due to disability or after death of an owner of the Certificate.