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Michigan Schools & Government Credit Union
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The biggest dreams deserve the best loans.

When you’re planning something big, we’re ready. MSGCU home equity loans let you tap into your home to make your dreams come alive. We offer no application fee, no closing costs, quick approvals, and up to $500 cash back.*

So get a new kitchen. Take a dream vacation. Or get money for college. At MSGCU, everything we do is about friendly money.

Not sure how to get started? Simply visit one of our branches, call us at 866.674.2848, or apply online.

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Not a member? At Michigan Schools and Government Credit Union, everything we do is about helping you solve your problems rather than adding to them. That's what Friendly Money means to us. And now, it's easier than ever to become a member.

*APR = Annual Percentage Rate. Variable APRs may change quarterly based on The Wall Street Journal Prime Rate and may increase. Minimum APR is 4.0% for HELOC loans, as of 3/21/2017. Maximum APR is 18.0%. $75 annual and $300 reimbursement fees may apply. Michigan properties only. Rates based on term, credit limit, combined loan to value (CLTV), and credit score. Cash back incentive only applies to new qualifying HELOC loans applied for between 4/3/2017 and 7/31/2017 and funded on or before 9/30/2017; this is a one-time offer based on loan balance at 60 days from the loan funding date. For details, go to, visit a branch or call 1.866.674.2848.