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.

Car Loan, Truck Loan, or SUV Loan
Model YearsAPR* as low as
2016 & Newer 2.74%
2014 & 2015 3.49%
2013 3.99%
2012 4.49%
2011 5.24%
2010 and older 7.24%

Example: A loan amount of $15,000 at 2.74% for 60 months would have an approximate monthly payment of $267.79.

*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. New purchases only. Rates are subject to change at any time. Same-day approval on most vehicle applications. Contact Member Service Representative for more details.

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RV Loan
5th Wheels, Trailers, Campers
Loan AmountAPR* as low asTerm
$75,000 and Over 4.74% Up to 240 months
Between $30,000 - $74,999 4.49% Up to 180 months
Between $20,000 - $29,999 4.39% Up to 144 months
Up to $20,000 4.29% Up to 96 months

Example: A loan amount of $40,000 with a rate as low as 4.49% for 180 months would have a monthly payment of $306.00.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 240 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 purchases only. Rates are subject to change at any time. Same-day approval on most RV applications. Contact Member Service Representative for more details.

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Marine Loan
Loan AmountAPR* as low asTerm
$75,000 and Over 4.74% Up to 240 months
Between $30,000 - $74,999 4.49% Up to 180 months
Between $20,000 - $29,999 4.39% Up to 144 months
Up to $20,000 4.29% Up to 96 months

Example: A loan amount of $40,000 with a rate as low as 4.49% for 180 months would have a monthly payment of $306.00.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 240 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. Marine Survey may be required. New purchases only. Rates are subject to change at any time. Same-day approval on most Marine applications. Contact Member Service Representative for more details.

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Power Sports
Jet Ski, ATV, Motorcycle, Snowmobile
Loan AmountAPR* as low asTerm
$30,000 and Over 4.74% Up to 144 Months
Between $10,000 and $29,999 4.49% Up to 120 Months
Up to $10,000 4.39% Up to 84 Months

Example: A loan amount of $12,000 with a rate as low as 4.49% for 60 months would have an approximate monthly payment of $224.00.

*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 purchases only. Rates are subject to change at any time. Same-day approval on most Powersport applications. Contact Member Service Representative for more details.

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Home Equity Loan
TypeTermAPR* as low as
Fixed - 80% Loan-to-Value 1-20 Years 3.75%
Fixed - 90% Loan-to-Value 1-10 Years 4.50%

Example: A loan amount of $10,000 at 120 months with up to 80% Loan-to-Value and a rate as low as 3.75% would be approximately $100.09.

*Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Contact MSGCU for details.

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Home Equity Line of Credit (HELOC)
TypeTermAPR* as low as
Variable - 80% Loan-to-Value 10-year draw period;
15-year repayment
5.00%
Variable - 90% Loan-to-Value 10-year draw period;
15-year repayment
5.75%

*APR = Annual Percentage Rate. Variable APRs may change quarterly based on The Wall Street Journal Prime Rate and may increase. Maximum APR is 18.0%. $75 annual and $300 reimbursement fees may apply. Michigan properties only. Rates based on credit limit, combined loan to value (CLTV), and credit score.

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Visa Rates
Type of CardLow APR*Minimum Limit
Titanium Visa 9.75% $5,000
Classic Visa 12.75% $500
Youth Classic Visa 12.75% $300
MSGCU Rewards Visa as low as 10.75% $5,000

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

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Personal Line of Credit (Instant Credit)
TypeTermAPR* 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 18.0%. Contact Member Service Representative for more details.

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Personal Signature Loan
TypeTermAPR* as low as
Fixed Up to 72 months 7.50%

Example: A loan amount of $5,000 at 9.75% for 72 months would have an approximate monthly payment of $92.00.

*APR=Annual Percentage Rate. Rates based on term and credit score. Contact Member Service Representative for more details.

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Classroom Loan
$500 maximum amount
TermAPR*
Up to a 10-month term 0.000%

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.

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First Responder Loan
$1,000 maximum amount
TermAPR*
Up to a 12-month term 0.000%

Example: A loan amount of $1,000 at 0.0% for 12 months would have an approximate monthly payment of $83.33.

*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply.

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