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Background & History

For more than 60 years, our members have been reaching their financial goals using the resources they gain through their membership with Michigan Schools and Government Credit Union (MSGCU).

As a not-for-profit financial institution, we return revenue to members by providing lower loan rates and higher savings rates. Our field of membership is broad and includes educational and government employees; students and alumni; retirees; and family members of these groups in primarily Macomb, Oakland, Genesee, Lapeer, Livingston, St. Clair, Wayne, and Washtenaw Counties.

A small group of school teachers in Macomb County founded MSGCU in 1954, then known as Macomb Schools and Government Credit Union. Over the years, offices have opened, branches have moved, and our membership has grown to more than 115,000. However, through it all, our focus has remained on providing the best financial services possible.

With our roots still heavily intertwined with school employees, we strongly believe in the power of education and in furthering the learning experiences of our youth. Each year, we distribute more than $80,000 worth of scholarships to area high school students and adults enrolled in college. Additionally, the Credit Union also distributes over 60 grants, totaling nearly $45,000, to help educators fund classroom projects. Another example of how the Credit Union provides resources to help members.

Because of our financial stability, MSGCU continues to thrive in an economic environment where other financial institutions are failing. We have consistently achieved Bauer Financial's ( highest rating, five stars, and boast a member satisfaction rate of 97%, for 10 years running. We are growing; we currently have more than $1.9 billion dollars in assets and have 14 branches. All of this success means that your funds are safe, secure, and conveniently accessible.

You work hard for your money, and so do we. We thank our members for being loyal to MSGCU. If you have questions as to how we can further help you on your path to financial success, please visit any of our offices, or call 586.263.8800 or 1.866.MSGCU4U today!


Mission & Philosophy

At Michigan Schools and Government Credit Union (MSGCU), our Mission Statement is "We are a caring organization dedicated to promoting financial success for our members." We provide the resources for members and their families to reach their financial goals.

We live the philosophy of People Helping People every day. It is our top priority to give you the fair, dependable service that you deserve. That means we will do everything in our power to make sure that our efforts exceed your expectations.

This philosophy supports our giving back to the many communities in which we serve. Through our many efforts—including scholarships, sponsorships, and grants—we support the communities that our members care the most about.

Getting yourself on the right path to financial success begins here.

Core Competencies

These are the abilities that allow Michigan Schools and Government Credit Union (MSGCU) to provide the tools members and their families need to reach their financial goals.

Philosophy, Mission, and Value

All credit unions operate under the philosophy of People Helping People. This perfectly emphasizes that we are here for you…plain and simple. With our Mission and set of Values, we not only strive to promote financial success for our members, but we do so in a way that is fair, honest, and beneficial to you and all of our members.

Relationship Focus

We focus on building individual relationships with our members. We want to provide you with what you and your loved ones need to achieve your goals.

Operational Efficiency

In order your family to reach its goals, you are careful about how you spend and invest your money. At Michigan Schools and Government Credit Union, we share your dedication to using resources efficiently. Since we invest only in things that can help us better service you and meet your needs, we are able to remain financially strong now and in the years to come. 


At Michigan Schools and Government Credit Union (MSGCU), our employees embody the values needed to help our members and their families acheive their financial goals. 

Trust: Being Honest and Fair.

With such a strong emphasis on trust, we not only strive to provide fair and competitive offerings, but we act with integrity.

Engagement: Actively involved physically, mentally, and emotionally.

We will give you the attention that you deserve along with the right results.

Excellence: To be distinguishable by consistently exceeding expectations.

We take pride in all that we do, which is why we consistently receive high marks in overall satisfaction from our membership. We strive for 100% quality and accuracy no matter what...because you not only expect it, but deserve it as well.

Relationships: We care about people.

The core principle of all credit unions is People Helping People. We take it one step further by showing our support for all our members and the communities in which we serve.

Financial Strength: Sustained Success.

Michigan Schools and Government Credit Union operates with sound financial principles.  We, therefore, are able to provide the products and services members need to reach their financial goals.

With these values acting as our core belief system, you can always expect fair, honest service at Michigan Schools and Government Credit Union.

We are people helping people…

Supporting Our Members

For more than ten years, MSGCU has earned high member satisfaction ratings, scoring 97% or higher, as measured by D. Hilton. We are honored to receive this recognition from you, our loyal members. It is our goal to exceed your expectations and provide you with comprehensive financial products and services.

Outstanding Credit Union of the Year – 2015 is a special honor from the Michigan Credit Union League. This award is a testament to the strength of our institution and, more importantly, the loyalty of our members. We thank you for the role you have played in MSGCU’s success.

The Louise Herring Philosophy-in-Action Member Service Award is another treasure in our award collection. Improving members’ lives through special loan modification, wealth building, debt reduction, and ESL (English as a Second Language) support programs is just a small part of the “People Helping People” part of our business.

You work hard for your money and so do we. Achieving five stars for the past twenty years, which is Bauer Financial's highest rating, confirms that we are a financially stable institution. Your funds are safe, secure and conveniently accessible.

Working for Our Employees

MSGCU has been recognized by The Detroit Free Press, for five years in a row, as one of the Top Workplaces in Michigan, and we couldn’t be happier with this distinction. Employees were surveyed about company leadership, career opportunities, workplace flexibility, compensation and benefits. The results speak for themselves; MSGCU employees love where they work!

Educating Our Neighbors

MSGCU is a leader in Financial Literacy programs. We are committed to consumer education for our members and nonmembers.

We received the Excellence in Consumer Education Award for the financial wellness research and programs conducted in our neighboring communities and schools, for consumers of all ages and backgrounds…including our own staff members.

Over the years, MSGCU has been honored with Desjardins Financial Education Adult Award for efforts to teach personal finance concepts through seminars, webinars, online Q&A, high school marketing contests, and one-on-one financial counseling. 

Our youth savings programs are also some of the best. We have received the Michigan Credit Union League’s Desjardins Youth Financial Education Award numerous times for our work in this area MSGCU youth programs include: high school marketing contests, budgeting simulations, a special savers club, and classroom presentations. We are excited to assist our youth in learning how to manage their money.

Committing to Our Community

We strive to give back to our members and the communities in which we serve. To that end, MSGCU established a Flood Loan to help Michigan homeowners recover from historic flooding. This program received the Louise Herring Award.

Receiving the Dora Maxwell Social Responsibility Community Service Award, reminds us how important it is to improve lives through community outreach programs. We are delighted to support various charities, social service programs, public events and teaching training efforts. Giving back is intrinsic to the MSGCU service model.