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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Totally Gold Checking
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SmartLine Home Equity Loan
SmartLine Home Equity Loan
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Make Your House a Home

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Conventional Fixed-Rate Mortgage
as low as
2.875%
Adjustable Rate Mortgage
as low as
2.375%
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Mortgage Options
What we offer
When you find the one, you know. Maybe it's the open layout, a cozy family room, or a kitchen that will serve as the hub for family gatherings. Let us help you get into the home of your dreams. And now you can quickly and conveniently apply for a mortgage through the OU Credit Union Mobile app.

We offer home loans for owner occupied/vacation homes in the following states:

• Michigan, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, North Carolina, Ohio, Pennsylvania, Virginia, Washington

Currently non-owner-occupied, construction, and manufactured home loans are only available in Michigan.

Mortgage Special
Rates as low as 2.875% APR when you finance your home with 30% down payment or equity and 760+ credit score.

Conventional Fixed-Rate Mortgage
Finance your home with the institution you trust. Select from 10-, 15-, 20- and 30-year terms with a fixed rate for the length of the loan. A down payment of at least 3% is required.

Adjustable-Rate Mortgage
Secure your home loan at a lower rate for the first 3 to 5 years. Adjustable-Rate Mortgages are perfect for short-term home ownership, large payments towards the loan in the first few years, or for members simply looking to save money with a lower fixed rate for the first 3 to 5 years. Select from 3-1 or 5-1 ARMs for 15- or 30-year terms.

Disclosures
Home loans available for owner occupied/vacation homes in the following states: Michigan, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, North Carolina, Ohio, Pennsylvania, Virginia, Washington. Currently non-owner-occupied, construction, and manufactured home loans are only available in Michigan.

Mortgage Special Fine Print
OU Credit Union members who apply and are approved for a new OU Credit Union mortgage will receive a rate as low as 3.125% APR when financing a home with 30% down payment or equity and 760+ credit score. Subject to change, and stated for members with high credit scores. Actual rate may be higher and will be determined by members credit score and term of loan. Cannot be combined with any other mortgage offers.

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 FileMortgage Information Get FileNationwide Mortgage Licensing Systems IDs Get FileHome Mortgage Disclosure Act Notice Get FileConsumer Handbook on Adjustable-Rate Mortgage

Fixed-Rate Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $240,000 with 20% down payment, the mortgage for $200,000 borrowed at a 4.50% interest rate (4.56% APR) for a term of 360 months would require monthly payments of $1,013.37. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.

5/1 ARM Mortgage Loan Payment Example: A primary residence, owner-occupied single family home in Michigan with a purchase price of $240,000 with 20% down payment, the mortgage for $200,000 borrowed at 4% interest rate (APR Rate 4.06% ) for a term of 360 months would require monthly payments of $954.83. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender
Reviews
4.85 stars out of 5
374 Member Reviews
5 stars out of 5
(355)
4 stars out of 5
(6)
3 stars out of 5
(2)
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(1)
1 stars out of 5
(10)
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1 stars out of 5
Horrible service, failed inspections from unknowledgable realtor & inspector!
Best ever!
5 stars out of 5
This mortgage company is wonderful to work with. I highly recommend using MSU for anyone seeking a outstanding company to deal with!
Easy and Quick
5 stars out of 5
So glad I switched to a 15 year mortgage. Savings are HUGE
Home refinance
5 stars out of 5
Professionally handled with patient and courteous help. Very pleased with the process and benefit to our monthly budget
Mortgage
5 stars out of 5
Very easy during a not so easy time.