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 2.99%
2014 & 2015 3.74%
2012 & 2013 4.74%
2011 & Older 5.49%

Example: A loan amount of $15,000 at 2.99% for 60 months would have an approximate monthly payment of $269.50.

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

Return to Top

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 $305.88.

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

Return to Top

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 $305.88.

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

Return to Top

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 $223.70.

*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.

Return to Top

Home Equity Loan
TypeTermAPR* as low as
Fixed - 80% Loan-to-Value 1-15 Years 4.00%
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 4.25% would be approximately $101.26.

*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.

Return to Top

Home Equity Line of Credit (HELOC)
TypeTermAPR* as low as
Variable - 80% Loan-to-Value 10-year draw period;
15-year repayment
4.75%
Variable - 90% Loan-to-Value 10-year draw period;
15-year repayment
5.50%

*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 and third party fees paid by MSGCU to be reimbursed up to $500 if line of credit is closed within 36 months of loan opening. Michigan properties only.

Return to Top

Interest-Only Home Equity Line of Credit (IO-HELOC)
TypeTermAPR* as low as
Variable - 80% Loan-to-Value 10-year draw period;
15-year repayment
4.75%
Variable - 90% Loan-to-Value 10-year draw period;
15-year repayment
5.75%

*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 principle. Third party fees paid by MSGCU to be reimbursed up to $500 if line of credit is closed within 36 months of loan opening. Michigan properties only.

Return to Top

Visa Rates
Type of CardLow APR*Minimum LimitSpecial Offer
Titanium Visa 9.75% $5,000 Promo 2.99% until 8/31/20* on all transactions. After that, standard rate applies.
MSGCU Rewards Visa as low as 11.00% $5,000 5,000 Bonus Points**
Classic Visa 12.75% $500 Promo 2.99% until 8/31/20* on all transactions. After that, standard rate applies.
Youth Classic Visa 12.75% $300 N/A

*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. The promotional 2.99% APR will apply to all purchases, balance transfers, and cash advances made between 9/1/19-12/31/19 and will last until 8/31/20. After that, your standard rate will apply to any unpaid balances.

**Available for MSGCU Rewards Visas opened after 9/1/19. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.

Return to Top

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.

Return to Top

Personal Signature Loan
TypeTermAPR* as low as
Fixed Up to 72 months 7.75%

Example: A loan amount of $5,000 at 10.00% for 72 months would have an approximate monthly payment of $92.02.

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

Return to Top

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.

Return to Top

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.

Return to Top

READY TO GET STARTED?