Experience the Benefits
Health | Life | Growth
A Mutually Rewarding Partnership
As our employees support MSUFCU’s mission and core values, we as an organization work to enrich and support our valued employees. We do this by offering a generous package of benefits and career opportunities, encouraging a healthy work-life balance, and helping our employees grow and excel in their careers.
Read on to learn what an opportunity at the Credit Union looks like for you.
Health
Your health is one of the most important things you have. MSUFCU offers a generous package of benefits that reflects the value of investing in a better, healthier you.
Experience our holistic approach to employee health with a wide range of benefits.
• Medical, dental, and vision
• Supplemental coverage
• CU Healthy Wellness Program
Medical, Dental, and Vision
Beginning on your first day, you and your family have access to our award-winning medical, dental, and vision benefits with no premium cost to you! Already covered under another insurance plan? No problem — we’ll pay you $60 per paycheck, instead!
MEDICAL — BLUE CROSS BLUE SHIELD PPO
• In-network deductible: $0
• Out-of-network: $1,000 per individual and $2,000 per family
• Mental health care: 100% covered with copay
• Autism ABA Treatment, additional services: 100% covered with copay
• Infertility benefits (including IVF): 100% covered
BCBS Copays
• Annual physical
• Primary care
• Medical online visit
• Urgent care
• Emergency room
• Chiropractic
• Physical therapy
• Ambulance
• Tier 1 drug
• Tier 2 drug
• Tier 3 drug
No charge
$20
$10
$20
$250 unless admitted*
$20 / 24 visits per calendar year
60 visits per calendar year
No charge
$10 for 30 days / $20 for 90 days
$40 for 30 days / $80 for 90 days
$80 for 30 days / $160 for 90 days
DENTAL — DELTA DENTAL OF MI
• Exams, routine teeth cleanings, X-rays: 100% covered
• Basic repairs and oral surgery: 80% covered
• Major restorative surgery (including crowns): 50% covered
VISION — EYEMED
• Annual exams: 100%
• Frames or contact lenses: $175 annual allowance (Additional discounts available over plan maximum)
Other Coverage
Experience peace of mind with our additional insurance benefits.
PAID BY MSUFCU
Employee Assistance Program
The Employee Assistance Program provides professional and confidential counseling services at no cost and is designed to assist employees with both work-related and non-work-related concerns.
Group Term Life Insurance — Unum
The Credit Union offers basic life insurance that will pay your beneficiary one times your annual salary up to $50,000.
Long-Term Disability
If you are unable to work after 90 days of a covered disability, full-time employees are eligible to receive up to 60% of your monthly earnings.
OPTIONAL
Medical FSA — Meritain
Consider setting aside your hard-earned money in an account safe from taxes! Plan ahead and budget to use the funds for upcoming medical expenses.
Voluntary Supplemental Life Insurance — Unum
This additional coverage can help pay for expenses you and your family incur that are not covered by other insurance. Choose coverage for yourself, your spouse, or dependents. Coverage offered up to five times your annual salary up to a maximum of $500,000.
Short-Term Disability — Unum
Evidence of insurability required after new employee enrollment period.
Long-Term Disability Insurance — Unum
If you are unable to work after 90 days of a covered disability, full-time employees are eligible to receive up to 60% of your monthly earnings.
Supplemental insurance is paid by the employee. State availability may be limited.
CU Healthy
CU Healthy is our employee wellness program, focused on supporting your mental, physical, and financial well-being.
ASSET HEALTH
Our internal wellness program, Asset Health, rewards you for living a healthy lifestyle through campaigns and challenges that focus on exercise, sleep, and nutrition. Redeem rewards for gift cards from top retailers! Earn up to $250 annually! We also offer resources and additional activities to encourage physical, mental, and financial wellbeing.
RACES/WALKS
CU Healthy promotes several charitable races throughout the year and pays your registration fees!
SPORTS LEAGUES
CU Healthy encourages participation in sports leagues such as kickball, volleyball, soccer, golf, and more. Create and join teams with your co-workers and friends, and the Credit Union will pay for a portion of the cost.
HEALTH FAIR
Each year, we offer opportunities to participate in yoga, meditation, flu shot clinics, and more.
Life at Work & Home
We’re on the side of finding balance, caring for yourself and others, and choosing happiness!
• Retirement planning
• Time away
• Work arrangements
• Family care and support
• Connect
• Feel rewarded
Retirement Planning
401(K) RETIREMENT PLANS — (PRINCIPAL FINANCIAL GROUP)
We help you plan for the future with a 401(k) plan administered by Principal Financial Group. For every dollar you contribute, the Credit Union will contribute $1, up to 10% of your annual pay. This match is available within your first 30 days of employment. Employer match vesting is prorated and reaches 100% vested upon reaching 6 years with MSUFCU.
Time Away
• Paid time off:
• Paid holidays:
• Paid volunteer time:
• Parental pay:
• Personal leave:
• Year one leave:
Accrue eight hours per pay period or 5.5 weeks per year
11 days
Up to eight hours per year of paid time for a charitable cause
Up to 12 weeks of full pay
Up to four weeks of unpaid medical leave
Up to 12 weeks of unpaid medical leave in your first year until FMLA eligibility begins
Work Arrangements
HYBRID, ONSITE, AND REMOTE WORK
We offer a tailored approach to workspace needs. When determining our policies, we consider each role, job function, and specific needs of our employees and members. Connect with your Talent Acquisition Specialist if you have additional questions regarding your work arrangement.
Family Care and Support
PARENTAL SUPPORT
• Parental leave — Up to 12 weeks
• Family planning benefits (fertility benefits)
• Lactation support
• Child care discount at more than 1,000 schools through the Learning Care Group
DEPENDENT CARE FSA — MERITAIN (OPTIONAL)
Set aside money for medical and daycare expenses with a tax-free flexible spending account (FSA).
AFFINITY GROUPS
Our Affinity Groups — a network of employees drawn together by identities, affinities, or professional interests — enable employees and the Credit Union to communicate, spread awareness, and instill belonging.
DEIB COUNCIL
We support diversity, equity, inclusion, and belonging (DEIB) within the Credit Union and our community. Employees can participate in this effort by joining our internal DEIB Council.
CU INVOLVED
Our employee-driven charity program supports employee-selected community organizations through fundraising and volunteerism.
Feel Rewarded
MERITS AND PROMOTIONS
Earn pay increases and promotions through workplace success and acquiring new responsibilities within your role.
RISE
MSUFCU utilizes RISE, an employee recognition program for co-workers to show appreciation and celebrate work anniversaries. Employees earn points toward rewards through the platform.
ANNUAL GALA AWARDS
This annual event celebrates our employees and their achievements.
Career Growth
As you continue on your career path at MSUFCU, we provide several great opportunities for you to grow in your knowledge and abilities so that you can become more proficient, take on new challenges, and ultimately be rewarded for your increasing contributions.
• Education
• Development
Education
EDUCATIONAL ASSISTANCE
We’ll reimburse you up to $5,250 per calendar year for tuition fees, books, certificates, etc.
FINANCIAL EDUCATION
Wallet Watch
Listen to the Wallet Watch podcast to learn more about financial responsibility, professional development, overcoming obstacles, and more!
Financial Education Seminars
Our Financial Education Seminars offer free adult financial education and resources to our communities.
Development
LEADERSHIP DEVELOPMENT PROGRAMS
Our Leadership Development Programs continuously and strategically develop leaders within the Credit Union, based on experience and goals.
ENRICHMENT COURSES
Optional courses offered by our Learning and Development team offer additional opportunities to grow in your career and be a more effective leader.
JOB SHADOWS
Our formal job shadow program helps you gain expanded awareness of our operations, network with co-workers, and learn more about areas that interest you.
Our employees are our greatest assets and we’d love for you to be among them.
If you have questions about our benefits or what a career at the Credit Union looks like, please contact your Talent Acquisition Specialist or email careers@msufcu.org.