Find a loan on your terms
As a member of MSGCU, you benefit from loans with lower rates because we're a not-for-profit credit union focused on you. When you need to borrow money, MSGCU should be your first choice.
Vehicles
| Car Loan, Truck Loan, or SUV Loan Rates | |
| Model Years | APR* as low as |
| 2021 & Newer | 3.74% |
| 2016 to 2020 | 4.49% |
| 2015 & Older | 8.24% |
Example: A loan amount of $20,000 with a rate as low as 3.74% APR for 36 months would have an approximate monthly payment of $588.40. | |
| Calculate Your Payment | |
*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 84 months, depending on model year. APR may be higher, based on term of loan, credit score, collateral, and loan to value. 76-84 month loans require a minimum of $20,000 to finance. New money only. Rates are subject to change at any time. Same-day approval on most vehicle applications. Contact Member Service Representative for more details. | |
| RV Loan | ||
| 5th Wheels, Trailers, Campers | ||
| Loan Amount | Term | APR* as low as |
| $50,000 and Over | Up to 240 Months | 6.74% |
| Between $25,000 - $49,999 | Up to 180 Months | 6.74% |
| Up to $24,999 | Up to 144 Months | 6.74% |
Example: A loan amount of $40,000 with a rate as low as 6.74% APR for 180 months would have an approximate monthly payment of $354.07. | ||
*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 240 months, depending on amount financed. APR may be higher, based on amount financed and credit score. New money only. Rates are subject to change at any time. Same-day approval on most RV applications. Contact Member Service Representative for more details. | ||
| Marine Loan | ||
| Loan Amount | Term | APR* as low as |
| $50,000 and Over | Up to 240 Months | 6.74% |
| Between $25,000 - $49,999 | Up to 180 Months | 6.74% |
| Up to $24,999 | Up to 144 Months | 6.74% |
Example: A loan amount of $40,000 with a rate as low as 6.74% APR for 180 months would have an approximate monthly payment of $354.07 | ||
*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 240 months, depending on amount financed. APR may be higher, based on amount financed and credit score. Marine Survey may be required. New money only. Rates are subject to change at any time. Same-day approval on most Marine applications. Contact Member Service Representative for more details. | ||
| Powersports | ||
| Jet Ski, ATV, Motorcycle, Snowmobile | ||
| Loan Amount | Term | APR* as low as |
| $30,000 and Over | Up to 144 Months | 6.99% |
| Between $10,000 and $29,999 | Up to 120 Months | 6.74% |
| Up to $10,000 | Up to 84 Months | 6.64% |
Example: A loan amount of $12,000 with a rate as low as 6.74% APR for 60 months would have an approximate monthly payment of $236.32 | ||
*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 144 months, depending on amount financed. Loan to Value up to 135%. APR may be higher, based on amount financed, term of loan, and credit score. New money only. Rates are subject to change at any time. Same-day approval on most Powersport applications. Contact Member Service Representative for more details. | ||
Home Equity
| Home Equity Loan - 2nd Lien | ||
| Type | Term | APR* as low as |
| Fixed - 80% Loan-to-Value | 1-5 Years | 6.49% |
| Fixed - 80% Loan-to-Value | 6-10 Years | 7.24% |
| Fixed - 80% Loan-to-Value | 11-15 Years | 7.74% |
| Fixed - 90% Loan-to-Value | 1-5 Years | 6.74% |
| Fixed - 90% Loan-to-Value | 6-10 Years | 7.49% |
| Fixed - 90% Loan-to-Value | 11-15 Years | 7.99% |
Example: A loan amount of $15,000 at 60 months with up to 80% Loan-to-Value and a rate as low as 6.49% (second lien) would be approximately $293.44. | ||
*Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. | ||
| Home Equity Line of Credit (HELOC) | ||
| Type | Term | APR* as low as |
| Variable - 80% Loan-to-Value | 10-year draw period; 15-year repayment |
6.75% |
| Variable - 90% Loan-to-Value | 10-year draw period; 15-year repayment |
7.50% |
*APR = Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. Minimum initial credit advance required based on credit limit. $75 annual fee may apply. Michigan properties only. | ||
| Interest-Only Home Equity Line of Credit (IO-HELOC) | ||
| Type | Term | APR* as low as |
| Variable - 80% Loan-to-Value | 10-year draw period; 15-year repayment |
6.75% |
| Variable - 90% Loan-to-Value | 10-year draw period; 15-year repayment |
7.75% |
*APR = Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. No initial credit advance required. No annual fee. Interest calculated on current balance only. Interest-only payments are not applied to loan principal. Michigan properties only. | ||
Visa and Personal
| Visa Rates | ||
| Type of Card | Minimum Limit | Low APR* |
| Titanium Visa | $5,000 | 9.75% |
| MSGCU Rewards Visa | $5,000 | as low as 12.75% |
| Classic Visa | $500 | 12.75% |
| Youth Classic Visa | $300 | 12.75% |
*Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. See MSGCU Representative for details. Review complete rates and terms. | ||
| Personal Line of Credit (Instant Credit) | ||
| Type | Term | APR* as low as |
| Variable | None | 11.00% |
*APR = Annual Percentage Rate. Initial rate may change. Variable-rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 18.00%. Contact Member Service Representative for more details. | ||
| Personal Signature Loan | ||
| Type | Term | APR* as low as |
| Fixed | Up to 36 Months | 9.99% |
| Fixed | Up to 60 Months | 10.74% |
| Fixed | Up to 72 months | 11.99% |
Example: A loan amount of $5,000 with a rate as low as 9.99% APR for 36 months would have an approximate monthly payment of $161.48. Total payments would be approximately $5,813.07, including $813.07 in interest and no additional fees. | ||
*APR=Annual Percentage Rate. Rates based on term and credit score. Repayment terms advertised on this page are 61 days or longer. Maximum APR is 19.25%. Contact a Member Service Representative for more details. | ||
| Member Fast Cash | Life Event Loan | |||
| Health care/injury, pet emergency, home repair, auto repair | |||
| Loan Amount | Loan Fee | Term | APR* as low as |
| $1,000 - $4,000 | $25 | 6 - 42 Months | 20.40% |
Example: A loan amount of $2,250 with a rate of 21.006% APR for 30 months would have an approximate monthly payment of $95.37. | |||
*APR = Annual Percentage Rate. Borrower must be a member for at least three months. All loans subject to approval. Rates are subject to change at any time. Contact a Member Service Representative for more details. | |||
| Share Secure Loan | ||
| Type | Term | APR* as low as |
| Fixed Rate | Up to 36 months | 2.65% |
| Certificate of Deposit Loan - Fixed Rate | Up to one month prior to CD maturity | Contact us |
| Variable Rate | No term limit | 5.55% |
Example: A loan amount of $5,000 at 2.65% APR for 36 months would have an approximate monthly payment of $144.68. | ||
*APR = Annual Percentage Rate. All loans subject to approval. Rates are subject to change at any time. Maximum APR is 25.00%. Contact a Member Service Representative for more details. | ||
Specialty
| Classroom Loan | |
| $500 maximum amount | |
| Term | APR* |
| Up to a 10-month term | 0.00% |
Example: A loan amount of $500.00 at 0.0% for 10 months would have a monthly payment of $50.00. | |
*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply. | |
| First Responder Loan | |
| $2,000 maximum amount | |
| Term | APR* |
| Up to a 24-month term | 0.00% |
Example: A loan amount of $2,000 at 0.0% for 24 months would have an approximate monthly payment of $83.33. | |
*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply. | |