Let us champion you with a $100* bonus
Offer ends November 30.
Special Fraud Alert: Scammers are working hard to steal your online banking credentials and credit/debit card numbers by tricking you into revealing this information. Beware of unsolicited phone calls, texts, and emails, and NEVER share your online banking password or one-time PIN with anyone. Read more about the fraud and what to do.
Upcoming Holiday Hours: Branch offices will be closed Monday, Oct. 10. Access your accounts 24/7 through MSGCU Online or Mobile Banking.
You can always count on MSGCU to help you save. Compare for yourself. We have auto loans for new or used vehicles as low as 3.74% APR† (2016 & newer). The national average‡ auto loan rates: 5% APR new, 8.2% APR used.
We champion you with market leading rates. Whatever your financial goals, we can help you reach them. Share your plans, and we'll build the loan that's right for you.
Loan rates have been on the rise at banks everywhere, but you can always count on MSGCU to offer you market-leading rates that put your financial goals within reach. Your success is personal to us.
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.
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.
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 95% member satisfaction score. We’re open to any Michigander.
*$100 Cash Back Loan Incentive.
$100 offer available September 12, 2022 through November 30, 2022. Eligible loans must be closed by January 26, 2023. 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.
†APR=Annual Percentage Rate.
Subject to credit approval. Rates may be higher based on term of loan, credit score, collateral, and loan to value. Rates are subject to change at any time. Learn more.
Record Share of New-Car Shoppers Jumped Into a $1,000+ Monthly Payment in June; https://www.edmunds.com/industry/press/record-share-of-new-car-shoppers-jumped-into-a-1000-monthly-payment-in-june-according-to-edmunds.html
¶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.
Example: A loan amount of $30,000 with a rate as low as 3.74% APR for 60 months would have an approximate monthly payment of $549.00.
§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.
Members and communities are at the center of everything that we do. You have goals to reach and dreams to achieve, and we are here to help you prosper.