Offers and Promotions

1The Parade of Homes $100 Gift Card Sweepstakes begins at midnight ET 8/24/26 and ends at 11:59 P.M. ET 9/14/26. To enter, you must fill out the ticket stub at time of ticket pick-up or purchase. Only one entry per participant will be accepted. Prize is one (1) $100 Visa gift card. Chances of winning are based on the number of entries received. Winner(s) will be randomly selected by the Home Builders Association (HBA) of Greater Lansing. The Credit Union provides no warranty relative to prize. Prize may not be substituted or transferred except at the discretion of the HBA of Greater Lansing. Winner is responsible for applicable taxes and costs related to use of prize. Employees, Board members, and Supervisory Committee members of the Credit Union and affiliated CUSOs, and any promotion sponsors, are not eligible. No purchase necessary to enter, nor will a purchase improve chance of winning. For additional details, please contact the HBA of Greater Lansing.

First Time Homebuyers: The $500 off closing costs offer is valid for new mortgages of $100,000 or more. Closing cost discount will be provided as a lender credit. Offer cannot be used toward down payment or with any other discounts and is not available on home equity loans or lines of credit. All usual and customary fees will be charged to the buyer. Loans are subject to credit approval. Mortgage must close by 12/31/26. Eligible properties include primary and secondary residences: single-family homes, condos, and modular homes. Home loans available for homes in the following states: MI, IL, AL, AZ, CO, FL, GA, IN, KY, MN, MO, NC, OH, OR, PA, SC, TN, VA, WA, and WI. Construction home loans are available in Michigan and Illinois. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application. Your rate may be higher. This offer may not be transferred, sold, or replicated in any way, and it may not be combined with any other mortgage offers.

Construction Loans: Construction home loans are available in Michigan and Illinois. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application. Your rate may be higher.

SmartLineSM Home Equity Loan: One SmartLine Home Equity Loan per property. Eligible properties include primary residences; owner-occupied second homes; condos; modular and manufactured homes; and one- to four-unit buildings with owner occupancy in one of the units. Properties must be located within MI, IL, AL, AZ, CO, FL, GA, IN, KY, MN, MO, NC, OH, OR, PA, SC, TN, VA, WA, and WI. An origination fee as low as $299 plus valuation report fee apply. Additional costs apply in select states, including an attorney closing fee (for property in GA and SC), and state/local mortgage recordation tax (for property in AL, FL, GA, MN, TN, and VA). Consult with a reliable tax advisor about the deductibility of home equity loan interest. This product has a variable rate that is based on the market rate (prime plus margin). Your margin will be between 0.00% APR and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00% APR, nor will it exceed 18.00% APR. Market rates are subject to MSUFCU's rate. You may only lock a segment of your loan during your draw period. Locked segments offer rates that are fixed for the length of the segment term of 12 to 180 months. There is no fee for the first segment; however, you will be charged a $25 fee for each subsequent segment. A fee of $25 will apply to requests to unlock a segment. Balances on segments reduce the availability on the line of credit. Your locked segment fixed interest rate will be determined based on your creditworthiness at the time your requested fixed rate segment is approved. Actual APR will be determined by member's credit score at the time of the loan request. Rate subject to change. APR is annual percentage rate and is subject to change. Your rate will depend on your credit score and the term. The loan is subject to credit approval.