This website requires Javascript enabled to function properly.
  • Join
  • Make a Loan Payment
  • Locations
  • Rates
  • Contact
  • Chat
Michigan Schools & Government Credit Union
  • Bank

    Anytime Banking

    • Online and Mobile Banking
    • 24/7 Account Access
    • Bank with Ease
    Spend & Save
    • Checking
    • Savings
    • CDs & IRAs
    • Credit Cards
    • Investment Planning
    Account & Branch Services
    • Direct Deposit
    • Automatic Funds Transfer
    • Money Orders
    • VISA Gift Card
    • Wire Transfer
    • Safe Deposit Boxes
    • Night Depository
    Business Banking
    • Business Essentials
    • Simplified Employee Pension (SEP) Plan
    MSGCU team member with member

    Seriously great CD rates.

    With guaranteed returns and great rates, MSGCU Certificates of Deposit are a risk-free option to grow your savings faster.

    Learn More
    • Join MSGCU
    • Savings Rates
    • Contact Us
    • Routing Number: 272480173
  • Borrow

    Home

    • Mortgages
    • Home Equity
    Personal & Business
    • Credit Cards
    • Vehicle Loans
    • Personal Loans
    • Classroom Loans
    • First Responder Loans
    • Business Loans
    Loan Services
    • QuickPay
    • Automatic Loan Payment
    • Credit Report
    • Insurance
    MSGCU team member with member

    Schedule an appointment with just a few clicks.

    Want to meet in-person with an MSGCU team member to see how we can champion your financial goals? Reduce the wait by scheduling an appointment.

    Learn More
    • Apply For A Loan
    • Loan Rates
    • Ways To Pay Your Loan
    • Contact Us
  • Learn

    Financial Education

    • Classroom Presentations
    • Workshops
    • Workplace Education
    • Financial Counseling
    • Interactive Financial Education
    • Blog
    • Financial Education Options
    Resources
    • Rates
    • Financial Calculators
    • Apply For A Loan
    • Ways To Pay Your Loan
    • Resources For Educators
    • Resources For Government Employees
    • Resources For Businesses
    • Resources for Students & Young Adults
    Security & Fraud
    • Security Center
    • Scam Alerts
    fingers on keyboard

    Tips for keeping your information secure

    In addition to the steps we take to protect your information, there are things you can do to secure your personal information as well.

    Learn More
    • Join MSGCU
    • Community Support
    • Careers
    • Contact Us
  • Explore

    Help

    • Contact Michigan Schools & Government Credit Union
    • Call Center
    • Lost or Stolen Cards
    • FAQs
    Locations
    • Find A Branch Or ATM
    • Macomb County Branches
    • Oakland County Branches
    • Wayne County Branches
    • Washtenaw County Branches
    • Holiday Closings
    Membership
    • Become A Member
    • Business Membership
    • Membership Rewards
    • Switch To MSGCU
    • Member Referral
    About
    • The MSGCU Difference
    • Community Support
    • Classroom Cash Grants
    • Scholarships
    • Careers
    • News
    • Newsletters
    man on laptop at home

    Introducing Video Banking.

    Stop by a branch from the comfort of your home with Video Banking.

    Learn More
    • Join MSGCU
    • Current Rates
    • Apply For A Loan
    • Routing Number: 272480173
Search
Menu
Close
  • BANK
    • 24/7 Account Access
      • Compare your options
      • Online and Mobile Banking
      • Text Banking
      • Phone Banking
    • Bank with Ease
      • See your options
      • Bill Pay
      • Credit Score
      • Mobile Deposit
      • QuickPay
      • eStatements
      • Preference Center
    • Checking
      • Compare your options
      • Checking Account
      • Fresh Start Checking Account
      • Achieve Student Debit Account
      • Money Market Checking Account
      • Courtesy Pay
      • Ordering Checks
      • Debit/ATM Card
    • Savings
      • Compare your options
      • Regular Savings Account
      • You-Name-It Savings Account
      • Silver Savings Account
      • Gold Savings Account
      • Holiday Club Account
      • Health Savings Accounts
      • Youth Savings Programs
    • CDs & IRAs
      • Compare your options
      • IRA
      • IRA CD
      • CD (Certificate of Deposit)
      • Grow-With-Me CD
      • Bump Your CD Rate
    • Credit Cards
    • Investment Planning
    • Direct Deposit
    • Automatic Funds Transfer
    • Money Orders
    • VISA Gift Card
    • Wire Transfer
    • Safe Deposit Box
    • Night Depository
    • Business Essentials
    • Simplified Employee Pension (SEP) Plan
  • BORROW
    • Mortgages
      • See your options
      • Fixed-Rate Mortgage
      • Realtor
      • Adjustable-Rate Mortgage
      • FHA Mortgage
      • Condo Loans
      • Jumbo Mortgage Loan
      • Vacant Land Loan
      • Construction Draw Loan
      • Renovation Loan
    • Home Equity
      • Compare your options
      • Home Equity Loans
      • Home Equity Line of Credit (HELOC)
    • Credit Cards
      • Compare your options
      • Classic Visa Credit Card
      • Youth Classic Visa Credit Card
      • Titanium Visa Credit Card
      • MSGCU Rewards Visa Credit Card
    • Vehicle Loans
      • See your options
      • Car, Truck, and SUV Loans
      • RV Loans
      • Powersports Vehicle Loans
      • Boat Loans
      • College Degree Auto Financing Program
      • Member Auto Refinancing Program
    • Personal Loans
      • See your options
      • Personal Line of Credit
      • Personal Signature Loan
      • Share Secured Loan
    • Skip-A-Pay
    • Classroom Loan
    • First Responder Loan
    • Business Loans
    • QuickPay
    • Automatic Loan Payment
    • Credit Report
    • Insurance
      • See your options
      • Guaranteed Asset Protection (GAP)
      • Mechanical Repair Coverage (MRC)
      • Life Insurance
      • Home and Auto Insurance
      • Insurance Service Center
  • LEARN
    • Classroom Education
    • Workshops
    • Workplace Education
    • Financial Counseling
    • Blog
    • Rates
      • See your options
      • Savings Rates
      • CD, IRA, and HSA Rates
      • Loan Rates
      • Mortgage Rates
      • Business Account Rates
      • Business Essentials Rates
    • Financial Calculators
    • Apply for a Loan
      • See your options
      • Classic VISA Credit Card Application
      • Titanium VISA Credit Card Application
      • New Auto Loan Application
      • Used Auto Loan Application
      • Auto Loan Application
      • RV, Powersport, Motorcycle & Boat Loan Application
      • Home Equity Closed-End Application
      • Home Equity Line of Credit Application
      • Interest-Only Home Equity Line of Credit Application
      • Personal Line of Credit (Instant Credit) Application
      • Personal Signature Loan Application
    • Ways To Pay Your Loan
    • Resources for Educators
    • Resources for Government Employees
    • Resources for Businesses
    • Resources for Students & Young Adults
    • How We Safeguard Your Account
      • See your options
      • Account Protection
      • Account Monitoring
    • Protect Yourself
      • See your options
      • Computer Protection
      • Phone Protection
      • Privacy Protection
      • ATM Security
      • Scam Alerts
    • Financial Education Options
    • Interactive Financial Education
  • EXPLORE
    • Contact Us
    • Call Center
    • Lost or Stolen Debit/Credit Cards
    • FAQs
    • Find a Branch or ATM
    • Macomb County Branches
      • See your options
      • Chesterfield Township | 23 Mile, West of Jefferson
      • Chesterfield Township | Hall Rd. and I-94
      • Clinton Township | Garfield, South of 18 Mile
      • Macomb Township | 26 Mile, West of Romeo Plank
      • Saint Clair Shores | Little Mack, South of 10 Mile
      • Shelby Township | 23 Mile East of Van Dyke
      • Shelby Township | 26 Mile and Van Dyke
      • Shelby Township | Hayes and 22 Mile
      • Sterling Heights | Metro Parkway, East of Dequindre
      • Sterling Heights | Mound and 18 Mile
      • Warren | 14 Mile and Schoenherr
    • Oakland County Branches
      • See your options
      • Bloomfield Township | Telegraph, North of Square Lake
      • Commerce Township | N. Pontiac Trail, West of Haggerty
      • Farmington Hills | Orchard Lake, North of 13 Mile
      • Madison Heights | 12 Mile, West of John R
      • Rochester Hills | Rochester Rd. and Hamlin
      • Royal Oak | Woodward, North of 13 Mile
      • Troy | Crooks, South of Long Lake
    • Wayne County Branches
      • See your options
      • Livonia | Farmington and 8 Mile
    • Washtenaw County Branches
    • Holiday Closings
    • Become a Member
    • Business Membership
    • Membership Rewards
    • Switch to MSGCU
    • Member Referral
    • The MSGCU Difference
    • Community Support
    • Classroom Cash Grants
    • Scholarships
    • Careers
    • News
    • Newsletters
      • Compare your options
      • Fall 2021 Common Interest
Log In

Log in to MSGCU

Access and manage your money 24/7.

This field is required.

I forgot my username.

New to Online Banking?
Register

Apply for a MSGCU Loan

Apply for a Loan

Your time is valuable and your financial needs are top priority. Michigan Schools and Government Credit Union makes it easy for you to apply for various credit cards, loans and lines of credit using our simple online application process.

  • Home
  • LEARN
  • Apply for a Loan

Get moving toward the money you need

If you have any questions during the application process, feel free to contact us. Once you submit your application, you'll receive a decision within 24 hours.

  • New Auto
  • Used Auto
  • RV, Powersports, Motorcycle & Boat
  • Classic VISA Credit Card
  • Titanium VISA Credit Card
  • MSGCU Rewards VISA Credit Card
  • Home Equity Closed-End
  • Home Equity Line of Credit
  • Interest-Only Home Equity Line of Credit
  • Personal Line of (Instant) Credit
  • Personal Signature Loan

Loan Resources

Membership Rewards

Man relaxing in the sunshine

Loan Comparison Calculator

Find the right loan for your budget and goals

Contact Us

Questions?
Chat with an MSGCU representative or call us at 866.674.2848

Ways To Pay Your Loan

Icon Policy

Discover more ways to pay your loans

Call 1.866.MSGCU4U

1.866.674.2848

1.586.263.8800

  • Chat Now
  • Branches & ATMs
  • Contact Us Online
  • Facebook
  • Instagram
  • Twitter
  • LinkedIn
Popular Searches
  • Routing & Transit Number: 272480173
  • Make a Loan Payment
  • Protect Your Account
  • Current Rates
  • Careers
Download Our free Mobile App
App-AppleApp-GooglePlay
  • Co-op
  • National Credit Union Administration
  • Equal Housing Lender

Michigan Schools & Government Credit Union is federally insured by the National Credit Union Administration.

  • © 2025 MSGCU. All rights reserved.
  • Disclosures & Fees
  • Privacy Policy
  • Website Accessibility
  • Sitemap
Make A Loan Payment

Pay your loan in Online Banking or the MSGCU Mobile App

  • Select Transfers to pay with MSGCU funds
  • Select QuickPay to pay with funds from another bank or credit union (learn more)

Log in

See other ways to pay your loan.

Membership Status

New to MSGCU?

It's simple and secure to open an MSGCU membership online. Our application usually takes less than 10 minutes and you can fund your new account right away.

Apply & Join



Applying in person? Visit the branch nearest you »
 

Already a member?

Simply log in to Online Banking and select New Accounts. You can open Savings and Checking accounts, as well as CDs, in just a matter of minutes.

Log in & Open



Interested in a loan or a credit card? Apply here »

Please select an option to continue.

MSGCU members, please log in to your account to apply.

Member application

Non-MSGCU members, please continue below.