Now every loan comes with a $100 cash bonus.

You’ve been planning. You’ve been waiting. Now it's time to get it done so you can start enjoying it. At MSGCU we work hard to make your loan work for you. And you can always expect competitive rates, friendly service, and quick approvals on all of our loan solutions. So tell us about your plans, and we'll build the loan that's right for you. Plus, right now, you'll get $100 when you finance $5,000 or more.

There are three easy ways to apply: give us a call, visit a branch, or apply online. And as always, we're here to walk you through every step of the process. 

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 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: August 3, 2020 – November 30, 2020

The $100 incentive may be earned on qualifying loans. Loan applications must be completed by November 30, 2020 and closed by January 20, 2021. 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. 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.

Eligible loans requiring a $5,000 minimum balance: 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, and Used Power Sport.  Home Equity loans require a minimum $10,000 on closed-end first lien home equities and for Michigan properties only.

Tax Information: The incentive cash payment ($100) is considered interest and will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law, and the member is responsible for any taxes due.

APR=Annual Percentage Rate. Subject to credit approval. APR may higher, based on term of loan, credit score, collateral, and loan to value. Requires Automatic Loan Payment transfer.  See Loan Rates for loan rates and terms.

†Auto Rate Pledge Program.
Example: A loan amount of $15,000 at 2.24% APR for 60 months would have an approximate monthly payment of $264.51.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.

 *$5,000 new loan minimum. 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.