Member Referral Program

Promotion Timeframe:

The promotion is ongoing.

Promotional Details:

The following cash bonuses are available when members refer a new member.

  • For every new member you bring in, you'll receive $5 and they'll receive $5
  • For every new member you bring in who gets an auto or RV loan, you'll receive $25 and they'll receive $25
  • For every new  member you bring in who obtains a mortgage, you'll receive $100 and they'll receive$100

*$5,000 new loan minimum. Complete the referral form and pass it on to someone you know. The referred person should present the referral form at account opening or loan closing. Contact Member Service Representative for more details.

Auto Rate Pledge Program

Promotion Timeframe:

The promotion is ongoing.

Promotional Details:

Discount of 0.25% off current rate available on auto loans currently held with another financial institution. Discounted rate cannot be lower than MSGCU cost of funds. All loans subject to approval. APR may be higher, based on term of loan, credit score, collateral, and loan to value. MSGCU as low as rate requires Automatic Loan Payment transfer. Current MSGCU auto loans not eligible. Loan terms up to 84 months, depending on model year. 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.

5,000 Rewards Card Bonus Points

Promotion Timeframe:

The promotion is ongoing.

Promotional Details:

Available for MSGCU Rewards Visas opened after 1/1/2020. Complete the following within 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. Bonus points will be awarded within 30 days of completion. Subject to credit approval. 

$100 Loan Promotion

Promotion Timeframe:

September 1, 2021 – November  30, 2021

Promotional Details:

The $100 incentive may be earned on qualifying loans. Loan applications must be completed by November 30, 2021 and closed by January 26, 2022. Eligible loans include new or used purchase, refinance from another lender, and refinance existing MSGCU loans with an increased balance of $5,000 or more. Minimum $5,000 new money (or additional equity for existing direct MSGCU loans). Excludes MSGCU loans that were financed through a dealer and loans that already received an incentive during this campaign. Loans subject to credit qualifications and approval.

Eligible loans requiring a $5,000 minimum balance: New Auto, Used Auto, Unsecured (fixed), College Degree New Auto, College Degree Used Auto, New RV, New Boat, New Motorcycle, New Power Sport, Used RV, Used Boat, Used Motorcycle, and Used Power Sport. Home Equity loans require a minimum $10,000 on closed-end first lien home equities and for Michigan properties only.

Tax Information: The incentive cash payment ($100) is considered interest and will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law, and the member is responsible for any taxes due.

$200 Fall Checking Promotion

Promotion Timeframe:

October 1, 2021 – November 30, 2021

Promotional Details:

Available for regular and fresh start checking accounts opened before 11/30/2021; limited to one incentive per member. An incentive of up to $200 will be paid when the member completes the following: qualify for and open a checking account and ATM/debit card; make an initial deposit of $25 or more in the account; within 60 days, enroll in and receive one direct deposit (minimum $100) to the new account (earn $100), and/or conduct 10 PIN or signature debit card transactions (Does not include ATM) of $5 or more (earn $100). Members must not currently have a checking account or have closed a regular checking account as of 8/1/2021 or later. Bonus will be paid 61 days after account opening date.

$200 Summer Checking Promotion (expired)

Promotion Timeframe:

June 1, 2021 – August 31, 2021

Promotional Details:

Available for regular and fresh start checking accounts opened before 8/31/2021; limited to one incentive per member. An incentive of up to $200 will be paid when the member completes the following: qualify for and open a checking account and ATM/debit card; make an initial deposit of $25 or more in the account; within 60 days, enroll in and receive one direct deposit (minimum $100) to the new account (earn $100), and/or conduct 10 PIN or signature debit card transactions (Does not include ATM) of $5 or more (earn $100). Members must not currently have a checking account or have closed a regular checking account as of 4/1/2021 or later. Bonus will be paid 61 days after account opening date.

$100 Loan Macomb Incentive (expired)

Promotion Timeframe:

February 1, 2021 – May 31, 2021

Promotional Details:

$100 incentive may be earned on qualifying loans opened or closed at Macomb Township branch, located at 16224 26 Mile Rd., Macomb Township, MI 48042. Loan applications must be completed by 5/31/21 and closed by 7/22/21. Eligible loans include new or used purchase, and refinance from another lender. Excludes MSGCU loans financed through a dealer. Loans subject to credit approval. 

Eligible loans requiring a $5,000 minimum balance: New Auto, Used Auto, Unsecured (fixed), College Degree New Auto, College Degree Used Auto, New RV, New Boat, New Motorcycle, New Power Sport, Used RV, Used Boat, Used Motorcycle, and Used Power Sport.  Home Equity loans require a minimum $10,000 on closed-end first lien home equities and for Michigan properties only.

Tax Information: The incentive cash payment ($100) is considered interest and will be reported on IRS Form 1099-INT, to federal, state, and local tax authorities, if required by applicable law, and the member is responsible for any taxes due.

APR
APR=Annual Percentage Rate. Subject to credit approval. APR may higher, based on term of loan, credit score, collateral, and loan to value. Requires Automatic Loan Payment transfer.  See Loan Rates for loan rates and terms.

1% Cash Back (expired)

Promotion Timeframe:

January 2, 2020 – March 31, 2020

Promotional Details:

Earn 1% cash back on all balance transfers from other financial institutions performed by a Member Service Representative to a new or existing Youth, Classic or Titanium Visa. Balance transfers must be completed within 60 days of the member’s initial transfer—with the initial transfer taking place between 1/2-3/31/2020. The 1% cash back, up to $400 maximum, will be deposited into the member’s savings account after the 60 days has concluded. At time of incentive payout, member’s credit card must be open and balance must be at least 50% of the cumulative total of transferred balances.

$50 Cash Bonus (expired)

Promotion Timeframe:

The promotion will begin January 2, 2020 through March 31, 2020

Promotional Details:

Available for MSGCU Youth, Classic and Titanium Visas opened between 1/2/2020-3/31/2020. Not available to those that have closed an MSGCU Youth, Classic or Titanium Visa 12/1/2019 or later. Complete 20 transactions within 60 days of account opening to earn $50 cash bonus.