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Michigan Schools & Government Credit Union
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Fixed Low rates and up to $500 Cash Back

Choose a credit card that keeps your life in balance

We know life happens. So, if the balances on your credit cards have gotten away from you, we're here to help. Now is the perfect time to transfer them to an MSGCU Visa! For a limited time, you'll get 2% cash back on transferred balances.* Plus, you'll save more with these great benefits:

  • Low fixed rates
  • No balance transfer fees
  • No cash advance fees
  • No annual fees
  • Same rate for purchases, cash advances, and balance transfers

By transferring the balances on your current credit cards to an MSGCU Visa, you'll get terms that work both with you and for you. It's our friendly way of putting some balance back into your life.


Already have an MSGCU Visa?


Take advantage of everything your card has to offer! We make it easy for you to consolidate other credit card debt onto your MSGCU Visa.

Transfer Balances

Simply call 866.674.2848 to transfer balances to your MSGCU credit card and earn up to $500 cash back.

Increase Your Credit Limit

Need more buying power? Complete this credit limit increase request form and return it to our offices.


Don't have our credit card?


From lower rates to fewer fees, it's easy to see why our members prefer an MSGCU Visa in their wallets.

It's easy to apply

You can apply online using the links below. Or, you can call 866.674.2848 or stop by any of our locations to get started.



Visa Rates
Type of CardLow APR*Minimum Limit
Titanium VISA 9.75% $5,000
Classic VISA 12.75% $500

*Annual Percentage Rate. Interest rate remains the same for purchases, cash advances, and balance transfers.



*Transfer balances from another creditor to an MSGCU credit card and get 2% cash back, up to $500 maximum, deposited into your savings account. Offer good until March 31, 2018. The rate will not increase while the plan is open. A 1% fee (in U.S. dollars) on foreign purchases applies. Subject to credit approval. Visit, call 866.674.2848, or visit any branch for details.

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