SPRING 2026

Letter From the President

Happy Spring!

We have some exciting things happening this quarter that I hope you will be thrilled about. 

At our Laketon Office, we are remodeling the interior to give you a modern and welcoming space to conduct your financial business. Please bear with us as we go through this remodel process.

We are updating our instant issue machine to be able to offer tap pay for Debit Cards very soon.

Real Time Payments (RTP) are now available for members to receive funds. RTP is an electronic account-to-account transfer that settles in seconds. 24/7/365, ensuring immediate funds are available. These are instant irrevocable transactions.

Starting May 11th in addition to our Shared Branching program, we will be on the CO-OP Shared Branching network which will allow you to do your banking at more credit unions nationwide. This adds over 5,000 compatible branches you can go to in all 50 states. Visit our website to access the link to find a location near you.

You can conduct several transactions at any member branch, including:

  • Deposits
  • Withdrawals
  • Loan payments
  • Make transfers between accounts
  • Purchase money orders and official check
  • And more

Remember to bring the following materials:

  • Your membership card with our credit union’s name and your account number
  • Valid government-issued photo identification, i.e., State Driver’s License, or US Passport.

We are introducing a new Loan to Save Program that will allow members to save while building or re-building their credit score. This is available now!!

Again, thank you for being part of our Credit Union family. You can stay connected to us by liking our Facebook page, downloading our mobile app and visiting our website. If you have any questions, you can call or text 231-722-7285 (our staff will still answer our phones) or email muskfcu@memberreach.com

Serving you,

Toni J. Winskas-President

Youth Corner

Earn cash for your Report Card and Diploma 

Report card: Show us your June 2026 report card and we will deposit $5 into your Savings account.

Diploma: Graduating seniors, show us your 2026 Diploma and you will also receive $10 in your savings account.

*Members 18 years old and younger. Offer expires 7/31/26.

Credit Union Impersonation Fraud

Credit Union Impersonation Fraud is the fastest growing scam, affecting our members today. These fraudsters have become more sophisticated, they are posing as the Credit Union to trick members into revealing sensitive information or sending money. Understanding how to identify the red flags, and how to protect yourself, can make all the difference in the world.

Red Flags to look out for: 

  • Request to move or send funds via wire, gift cards, or payment apps.
  • Ask for personal information, like passwords, PIN’s, account number, card numbers, Social Security numbers, or a one-time passcodes.
  • Instructions to click an unfamiliar link or download attachments.
  • Pressure to act immediately or risk losing your money or your account freezing.

Ways to protect yourself: 

  • Never Share Sensitive Information
  • The credit union will NEVER ask for your online banking password, PIN, or one-time passcodes. Treat any request for this information as a definite red flag.
  • Verify Before You Act
  • Do not respond or click on any links. Instead contact the Credit Union directly, using the phone number listed on our website or on your account statement. It is always best to be safe, rather than sorry.
  • Be Cautious About Links
  • Avoid clicking on links in messages that are unsolicited. Contact the Credit Union to confirm whether a text or email is legitimate.
  • Monitor Your Account Regularly 
  • Reviewing your account frequently will catch suspicious activity early.
  • Use Strong Passwords 
  • Avoid reusing passwords, avoid personal information in a password (for example, House Number, Date of Birth, Social Security Number, etc.)

Credit Union impersonation fraud continues to evolve, but awareness remains one of your strongest defenses. Scammers rely on quick and emotional responses, taking a moment to pause and verify can stop fraud in it’s tracks.

For more information about fraud and ways to protect your identity, visit muskfedcu.com/fraud-center/scam alerts 

Build Your Credit with the NEW Loan To Save Loan! 

Need a down payment for a vehicle or do not have the savings to afford a vacation, or your credit score does not qualify you for a loan? The Loan To Save loan that is designed to help build your credit and save money at the same time.

How does it work?

The disbursed loan funds are placed into a frozen Loan To Save Savings Account and will be unavailable. Once half of the loan has been paid off, you are able to withdrawal the paid portion of the loan, one time.

Who qualifies? 

That is the wonderful part, no credit score is required. Even those with bad credit, qualify. You must be 16 years old or older to apply.

What are the loan details? 

  • Loan term is 12-24 months
  • Loan minimum is $500 and the maximum is $2,000
  • One loan per member at a time
  • Interest Rate 5.00% APR

Ask the Loan Department for complete details! 

*APR= Annual Percentage Rate.

Holiday Closings

Memorial Day- May 25th 

Juneteenth- June 19th (Staff Training) 

Independence Day- July 3rd & 4th 

Our Mission

“Muskegon Federal Credit Union is committed to providing you with innovative ways to meet your financial needs and responsibilities. We endeavor to maintain a strong financial status while providing a professional and friendly atmosphere.”

Past Newsletters (PDF Version)

Winter 2026

Fall 2025

Summer 2025

Spring 2025