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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 Rebuild Checking Account is designed for members who need assistance rebuilding their financial position. This checking account is unique in that it allows you to build a positive relationship with us while we help you every step of the way.

 

After demonstrating positive use of your Rebuild Checking Account, you will become eligible for OU Credit Union's Totally Gold Checking Account.*

 

Features


  • Free check deposit

  • Write personal checks from your account

  • Pay bills and make transfers using FREE Bill Payment

  • ATM Card (withdrawal access only)

  • 24/7 access via ComputerLine, Gold on the Go Mobile Banking, OUCU Mobile App, and MoneyLine to manage and keep track of your finances

  • Account access at over 5,000 shared branches and Service Centers nationwide

 

Requirements


  • Direct Deposit (if available)

 

Fees


  • $10 per month

 

*Members demonstrating consistent, positive use of their Rebuild Checking account will be eligible for a Totally Gold Checking account. OU Credit Union holds the ability to terminate the membership of any Rebuild Checking account holder at any time due to account negligence or misuse. Certain services and products such as Courtesy Pay, Visa Debit Card, Point of Sale Returns, ATM deposits,and eDeposit are not available to members holding a Rebuild Checking account.




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.


 



 

MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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