Earn a $100 bonus when you finance $5,000 or more.

Whatever your financial goals, we can help you reach them. Whether your sights are set on a new car, home improvements or a big purchase, we’ll champion that goal with personalized guidance and market-leading rates. Share your plans, and we'll build the loan that's right for you.

There are three easy ways to apply: give us a call, visit a branch, or apply online. Now is a great time to let us help, we're here to walk you through every step of the process.

Auto Rate Pledge. It’s more than a lower monthly payment, it’s our promise to you.

Bring us your auto loan from another lender, and we’ll work to reduce your rate! Get a discount of 0.25% or our best rate – whichever saves you more. Members like you are already taking advantage of this great program and saving on interest.

Share the love of MSGCU and you'll both be rewarded.

It pays to share the good news. With our Member Referral Program, you'll receive an additional $25 for everyone you refer that closes on a loan, and they'll receive $25.

Discover your financial champion with MSGCU.

At Michigan Schools and Government Credit Union, being not-for-profit allows us to give back to our members through better rates, fewer fees, free financial education, grants and scholarships, and other community support. And it fuels us to work hard every day with members to personalize plans to help them meet their financial goals. This exceptional level of dedication contributes to our 96% member satisfaction score. We’re open to any Michigander.

Ready to get started?

Apply Now

*$100 Cash Back Loan Incentive.
$100 offer available September 1, 2021 through November 30, 2021. Eligible loans must be closed by January 26, 2022. Subject to credit approval. APR may be higher, based on term of loan, credit score, collateral, and loan to value. 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. Applies to loans originated at an MSGCU branch, call center, or online. Requires Automatic Loan Payment transfer. Visit msgcu.org/promotional-disclosures for complete details.

Auto Rate Pledge Program.
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.

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

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. For more information about the Member Referral program, contact an MSGCU representative.