Your friends deserve a financial champion.

You're always looking out for friends and family, so make a point to mention Michigan Schools and Government Credit Union and tell them about your experiences. We offer monetary rewards — as well as our gratitude — for new members you introduce to MSGCU.

Earn up to $1,500* a year

How to make a referral


step 1

Log In
to your MSGCU Online Banking account (or mobile app).

step 2

Refer A Friend
by entering your email and sharing your link online or via social.

step 3

You Both Get Rewarded
when they join MSGCU or act on other eligible offers within the first 10 days.

To make a referral, here's what you'll need:

  • To be 16 years of age or older.
  • To be a primary or joint member in good standing.
  • Registered for Online and Mobile Banking. Not registered? Click here.

*You must be a legal resident of the United States of America, at least 16 years old, and a member of MSGCU to participate in the Program. Referrals made to existing members of MSGCU are invalid.  By making a valid referral that is completed by a Friend in accordance with the Program Terms, you and the Friend will each receive a cash reward as follows: $5 for a new MSGCU membership which is established by the Friend and remains in good standing for a period of at least 60 days; $25 for an approved and funded Auto, RV, Boat or Powersport loan of $5,000 or more applied for by the Friend within 10 days of membership open date; $25 for a new MSGCU VISA credit card which the Friend must apply for within 10 days of membership open date and be approved for within 30 days of application date; $100 for an approved and funded mortgage loan applied for by the Friend and funded within 180 days of membership open date;  $25 for a new checking account opened by the Friend and funded with $25 or more within 10 days of membership open date. The Friend will receive an additional $25 reward if they make 10 debit card transactions of $10 or more via the new checking account within 60 days, or they receive a direct deposit of $100 or more into the account within 60 days. Only one reward per reward type is available, for each Friend referred, subject to a maximum of $1,500 in cash rewards per calendar year. Rewards will be automatically deposited into your oldest existing MSGCU primary share account two business days following confirmation by MSGCU that the referral has been made in full compliance with the Program Terms. Reward cash payments are considered interest and annual payments totaling $600 and above will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law. You are responsible for any taxes due. For full terms and conditions, visit