MSGCU
About Michigan Schools and Government Credit Union (MSGCU)
Founded by a small group of educators, MSGCU has been providing quality financial services to the community since 1954. MSGCU offers a full range of loan, deposit, checking, credit card, mortgage, and insurance products for those that live in Michigan. With 24 branch offices - and growing - in Macomb, Oakland, Wayne and Washtenaw counties, MSGCU has more than 150,000 members, $2.9 billion in assets, and has earned a 97% member satisfaction rating for the past 20 years. MSGCU has also earned five stars, as reported by Bauer Financial, for more than 20 years, and has been honored as a Top Workplace by The Detroit Free Press eight years in a row.
Posts by MSGCU
Safe travels: How to keep your finances secure while traveling this spring and summer
With summer right around the corner, vacations and travel plans are on the horizon. While you’re mapping out your itinerary and preparing to pack, be sure protecting your finances and personal information makes your pre trip list with our top 10 tips to stay safe while traveling.
A guide to better budgeting
Want to build and stick to a budget but don’t know where to start? MSGCU is here to help. Check out our easy guide to creating a budget that actually works for your lifestyle.
Make your finances sparkle this spring cleaning season
Spring is here which means it’s time to wash your windows and clean out the garden bed. It’s also a perfect time to revisit your budget and accounts to make sure they are tidy. If you need some ideas, check out our 6 tips to help make your finances shine.
Maximize your tax refund with these 9 ideas
It’s tax refund time. Before you decide to splurge it all, consider one of these 9 alternative ways to get the most out of your refund.
You don’t need luck with a Certificate of Deposit from MSGCU
CDs are a great savings opportunity to consider to help your money grow. Read on to learn more about what they are and how they work.
9 Ways to Save On Valentine’s Day
Looking for ways to celebrate your significant other that don’t break the bank? We’ve got you covered with 9 budget-friendly Valentine's Day ideas.
Don’t fumble your finances: Understanding online sportsbooks
Sportsbook apps seem like a fun and easy way to win money. Like any form of gambling, they run the risk of monetary losses that can seriously impact your finances.
Is it time to leave your bank? Here’s how you’ll know.
If your bank doesn’t stand by you, it may be time to switch. Answer these questions to find out if it’s time to bank elsewhere.
The Post-Holiday Budget Recovery Guide
The holidays are in the rearview, and if you’ve gone over budget with your spending, it’s time to deal with the aftermath. Here’s how you can get your budget back on track for the new year and avoid future budget-busting.
Do not open before Christmas… or after! Post-holiday scams to watch out for.
The hustle and bustle of the holidays may be behind us, yet fraudsters are still up to their reindeer games. Stay vigilant and watch out for these common post-holiday scams.
10 tips to protect you from identity theft
December is the busiest time of year for spending and for scammers. Check out our 10 tips to keep identity theft from ruining your holidays.
Shop Safely Online This Holiday Season
Be ready to safely shop online this holiday season with these 6 tips from MSGCU.
When scammers unite: understanding fraud rings
A fraud ring is a group of fraudsters that can operate for years while stealing money and personal information, causing tremendous damage and loss along the way. Let’s take a look at fraud rings, how they operate, and how you can keep safe.
Keep your devices clutter free and safe
Learn how to securely clean sensitive documents on your devices to lower your risk of information theft and better protect your privacy. Our how-to guide covers deleting files, apps, and wiping a device.
All you need to know about cybercrime prevention
Every year there is an increase in cybercrimes, including scams and cyber-attacks. Follow these tips to avoid falling victim.
Is it time to leave your bank?
Learn to recognize the signs that it is time to move on from your current bank and choose the next one. Plus, three key questions to ask when choosing a new bank.
To shred or not to shred?
Read these handy tips to help determine if your items are recycle-bin ready or if you should safely shred them.
Easy Ways to Prevent Identity Theft
We all know how important it is to protect our identity. Read on for tips to prevent thieves from getting information from a place you may not think about: your trash.
Buy now, worry later? Understanding buy now, pay later programs.
Buy Now, Pay Later options are popping up at checkout faster than you can say “Add to Cart.” Before you split your payment, unpack what it really means and why it might not be as simple as it sounds.
Protect your investments from scammers
Investment opportunities may be a promising adventure, as long as they’re legit. Scammers are tricking victims with bogus cryptocurrency investment scams. Learn more about these scams.
From paycheck to plan: Mastering the art of a budget
Master your money at any age. Read on to learn how to build a personal budget, set goals, and take control of your financial future.
Your emergency savings account can help you weather life’s storms
Are you one of the millions of Americans who are concerned there’s not enough money in their savings to cover an unexpected expense? September is National Preparedness Month, and it’s an ideal time to start building your emergency savings.
Have a fun and safe Fourth of July
Planning to celebrate the Fourth of July with friends, family, and fireworks? Read our tips to keep the holiday fun and safe.
Keep hackers guessing: a guide to super-strong passwords
Increasing your password security is the most important step you can take to keep your information safe. Read our 5-step guide to stronger passwords.
Multifactor Authentication 101
Adding a simple step to your online activity can significantly increase protection for your accounts and sensitive data. Read on to learn what it is and how to use it.
Protect Your Finances and Identity While Traveling
Taking a trip or going on vacation is exciting! As you plan what to pack and sites to see, make sure protecting your finances and your identity are on your pre-trip list. MSGCU makes it easy with these tips.
7 Ways to Save on Pet Costs
Our pets bring us immeasurable joy, but the costs can sometimes feel overwhelming. Check out our 7 tips for keeping your pet healthy and happy without breaking the bank.
First-time homebuyer’s checklist
Purchasing your first home can feel intimidating at times. Our checklist provides valuable tips that will ensure you're ready for each step of the buying process.
Don’t Get Scammed this Spring Break
As you finalize your spring break plans, be mindful of these scams, which can turn your dream vacation into a nightmare.
Getting ready to file your taxes
Here are 8 tips that will ensure you’re ready to file your taxes with ease.
Consolidate and simplify: your guide to debt consolidation
If you feel buried under a mountain of debt, you might consider consolidating debt to get out from under it all. Read on to learn more about debt consolidation options and if it’s right for you.
Romance Scams: Happily Never After
Looking for love online? Make sure it’s cupid’s arrow and not a scammer that strikes your heart by understanding romance scams.
Make a New Year’s resolution to be fiscally fit
Ready or not, the new year is here. Do you feel financially ready for it? Read on to learn some tips to help start, and keep, financial resolutions.
Don’t get caught in a phishing scam!
Don’t get caught in a phishing scam! Learn the red flags and how to stay safe.
Safe Holiday Shopping for You and Your Wallet
During the holidays, you and your finances go through A LOT. Sometimes we get so caught up in what we need to buy and check off the list, we lose sight of protecting our finances and ourselves.
Let MSGCU help keep you protected while also helping you check a few more items off your list.
5 scams to avoid this holiday season
It’s important to be mindful of online scams, especially now with the busy holiday season right around the corner. Protect yourself from these five common scams.
Video: Cybersecurity Practices Everyone Should Follow
Cybercrime is rampant, so take these preventive measures to keep you and your money safe.
How to shape up your finances before the holidays
You can make holiday shopping merrier by making these money moves now.
Six Ways to Protect Yourself Against Cyber Attacks
Learn what you can do to safeguard your money and personal information from criminals.
Are you ready for a disaster?
September marks National Preparedness Month. Whether you prepare now or at another time, MSGCU can help with these tips.
Try our Video Teller Machines at your next visit.
Talk with a friendly MSGCU team member from the comfort of your car with our Video Teller Machines. See how easy it is to use them in our fun video.
5 reasons why you shouldn’t put off getting a loan
Even though rates have gone up, getting a loan can still be the right move for you depending on your situation. Here are five reasons why.
Saving at the vet: how to keep your furry friends from breaking the bank
If you’re an animal lover, you know that vet bills can be overwhelming. Learn some great ways to lower your costs while still giving your furry friend the best possible care!
Here’s What You Need to Know About Spoofing Scams
Modern technology has enabled scammers to be sneakier and harder to spot than ever before. Here’s what you need to know about spoofing and spoofing scams.
Stay safe from scams.
Financial institutions are seeing increases in fraud. Learn to spot the warning signs to avoid falling victim from texts like these.
The Heart of Your Finances: Your Checking Account
Maybe you’re considering opening a checking account or aren’t even sure if you really need one. The experts at MSGCU say you do and here’s why.
Don’t go mad this March over gambling. Understand the risks of online sportsbooks
Sportsbook apps seem like a fun and easy way to win money. Like any form of gambling, they run the risk of monetary losses that can seriously impact your finances.
New Year Financial Resolutions
The New Year brings new financial goals, yet many of us feel overwhelmed when we start thinking about what we might tackle as a resolution. Here are 6 tips to get you started from the experts at MSGCU.
5 Ways to Increase Your Credit Score
Your credit score is vital to your financial health. An excellent credit score can open the door to large loans and better interest rates, as well as employment opportunities and more.
Discover the best ways to build and maintain an excellent credit score.
The 12 Days Scams of Christmas
'Tis the season for scammers to take advantage of the giving spirit and holiday hustle. Read on to help prevent these 12 common holiday season scams.
Keep Your Data Safe Online
A compromised computer can put you at risk for money loss, phishing scams, or even complete identity theft. Read on for steps you can take to keep yourself safe online.
Stay Safe During the Holiday Season
Sometimes we let our guard down due to the stress of the holiday season and thieves may try to exploit that. Read our tips to prevent becoming a holiday victim.
Payday Loans: A Serious Problem with A Smart Solution
Payday loans can seem like an easy way out of a financial jam, until you get caught in the spiral of fees. Fortunately, MSGCU has you covered when unexpected needs arise and you’re out of funds until the next pay day.
9 tips to follow on National Financial Awareness Day
MSGCU helps you get the most out of your money every day.
Is it time to choose a new bank?
Read on for 4 signs it’s time to leave a bank, and 4 questions to ask a new one.
Why CDs are a Great Investment for Younger Savers
For millennial and Gen-Z savers, Certificates of Deposit offer the best of both worlds: high returns & no risk.
A Blueprint for Managing Credit Card Debt
Paying down high-interest rate credit card debt can feel overwhelming sometimes. Check out these tips to help you effectively knock out your debt.
How Text Message Scams Typically Work
Do you know the warning signs of a text message scam? Learn how they work and what you can do to protect yourself.
Fall in Love, Not for Scams
Millions of people are looking for love, including scammers. Or, that’s what they want you to think.
Know the signs of an online romance scam so you don’t end up with a broken heart and drained bank account.
Keep safe from holiday scams
As the holiday season ramps up, keep your season cheery and bright by not falling for these holiday-related scams.
How To Make Certificates of Deposit Work for You and Your Savings Goals
Is building your savings account a priority in your financial goals? Learn more about your options and determine the right choice for you when it comes to savings accounts and certificates of deposit.
Use These 5 Easy Tips to Protect Yourself Online
We’re all online these days. Whether you work from home, are taking online classes, or simply enjoy scrolling through social media, keep your accounts protected and don’t let them be vulnerable. Protecting yourself online has never been more important.
What to do before getting your first loan.
You’re considering a big purchase, and you’re going to need a loan to make it happen. Before you take the plunge, take these steps to make sure you’re ready for your first loan.
Six smart financial moves to make when you get your first “real” job.
Your hard work has paid off and you’ve landed your first “real” job. Congratulations! As you embark on your brilliant career, you can make your future even brighter by making these smart financial moves.
Scam prevention: Look out for these 7 red flags
Many Americans unfortunately fall prey to scams each year. Read on for seven common red flags from MSGCU security experts to raise your guard and help prevent you from falling victim to a scam.
Spotted: hidden fees in rates. Here’s what to look for to get the best deal.
A good rate can turn bad quickly when fees and points are included. Read on for a simple tip to spot the best deal when shopping for a mortgage.
Your credit score: What it is and how you can make it better.
What is a credit score, and how can you make sure yours will help, not hurt you? Read on to get answers to these questions and more. We’ll help you get off on the right foot with your credit history.
Spring clean your finances
Whether you are looking for ways to save or spend wisely this spring, the team at MSGCU has options and advice for you.
How to open a bank account at MSGCU
Ready to manage your own money? Read this blog to learn how to open an MSGCU bank account and make the most of your membership.
Start ahead, stay ahead: 7 must-haves for a better first bank account
Think you’re ready for your first bank account? Read on for 7 must-haves when looking for your financial partner.
Cryptocurrency: what it is and what risks to consider
Cryptocurrency continues gaining popularity. Read on for more about digital currency, including important risks to consider.
Know the signs of a Spear Phishing scam
It’s important to remain vigilant to the various types of cybersecurity scams. Learn what to look for so you don’t fall victim to a spear phishing scam.
Check interest rates today, save tomorrow.
Could your interest rates be lower or are you paying too much in interest rates? Read on to find out more and what to look for.
Partner with us to help protect your accounts.
In addition to MSGCU's behind-the-scenes security features, there are additional tips you can use to help keep your information safe.
10 tips to follow on National Financial Awareness Day.
Financial Awareness Day was August 14. Let MSGCU help you get the most from your money with these tips every day.
5 financial habits to start today
Try these five tips, or start with just one, to bring your financial wellbeing to the next level.
7 reasons to go paperless with your bank statements
Making the switch to paperless bank statements (eStatements) gives you added convenience and security benefits, which means less worry for you. Read on for seven reasons why paperless statements may be right for you.
How to win at debt
An important consideration when taking out a loan is whether it might be good debt or bad debt. Not all credit is bad, read on to learn the difference.
Starting your emergency savings fund
It’s never too late to start your emergency fund. Read on for easy tips you can do today to start saving.
Debit or credit: What’s the difference?
Swiping and signing to make a purchase is so easy these days, but do you grab your debit card or credit card? Does it matter? Read on for answers.
Smash your credit card debt
While not all debt is bad, too much can limit the amount of money you can put toward your life goals. Read on for three easy steps so you can use credit to your benefit versus being overwhelmed with payments you can’t afford.
Small savings = big rewards!
Saving money doesn’t have to be daunting. Read on for quick and fun ways to save from MSGCU’s experts.
Holiday shopping? Pay by phone to keep safe.
Holiday shopping? Paying by phone using your mobile wallet is a smart, safe choice in the checkout line this year.
MSGCU is on the front line of your finances
MSGCU has always been here for its members, even during COVID-19. Learn how we helped members financially impacted by COVID-19.
See you at the drive-thru!
Did you know you can complete the same actions through an MSGCU drive-thru that you can in a branch? The drive-thru is a safe and easy way to complete transactions, and a friendly MSGCU team member is always there to help.