Now every loan comes with a $100 cash bonus.

When you're planning something big, we're ready. At MSGCU, you can always expect competitive rates, friendly service, and quick approvals on all of our loan solutions. Tell us about your plans, and we'll work hard to build the loan that's right for you. Plus, right now, you'll get $100* when you finance $5,000 or more:

We make it easy. It’s free to apply and we’ll walk you through the entire process.

Discover for yourself how everything we do is about Friendly Money.

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. That's what Friendly Money means to us. And if you live in Michigan's Lower Peninsula, it's easy to become a member.


Ready to get started?

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*$100 Cash Back Loan Incentive

Promotion Timeframe:

The promotion will begin September 16, 2019 and run through December 31, 2019. Loan applications must be completed by December 31, 2019 and closed by February 12, 2020.

Eligible loans include:

  • 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
  • Used Power Sport
  • Home Equity (1st Lien Closed End)**
  • Home Equity (1st Lien Closed End)**

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.

**Minimum $10,000 for Home Equity Term Loans. Michigan properties only. Equal housing lender.

$100 Incentive:

The $100 incentive may be earned on more than one qualifying loan, provided that the loan minimum is met on each individual loan with specific purpose and a promotional incentive has not already been earned on that loan. Loan must remain open for 6 months. MSGCU official family members are not eligible for $100 incentive.

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.

For loan terms, rates and calculations, click here.