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.
We’re proud to be the Official Credit Union of the MHSAA. You’re one step closer to becoming an MSGCU member and earning a welcome bonus.
Anyone in Michigan can bank with us, and it’s easy to become a member! Let's get started.
Tell us a bit about yourself.
Connect with an MSGCU mortgage consultant to get started.
We hope to welcome you to the MSGCU family. We look forward to getting to know you and being your dedicated financial champion for years to come.
Persons who reside, are employed, worship or attend an educational institution in any county within the State of Michigan.
Founded by a group of educators in 1954, MSGCU is happy to welcome anyone in the State of Michigan to join. We are proud of our heritage and continue our dedication to serving and giving back to schools and local government.
You can earn a welcome bonus for becoming an MSGCU member, plus additional rewards with qualifying products and services.*
Michigan Schools and Government Credit Union is your financial champion. We are a not-for-profit credit union, which 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 97% member satisfaction score, higher than most banks.
You will automatically receive an email informing you of your application status and any next steps.
*You must be at least 16 years old and may not be existing member of MSGCU to qualify for new member rewards. By registering for the program in accordance with the Program Terms, you will receive a cash reward as follows: $10 for a new MSGCU membership which is established by you and remains in good standing for a period of at least 60 days; $25 for an approved and funded Auto, RV, Boat or Powersport loan of $5,000 or more applied for by you within 10 days of membership open date; $25 for a new MSGCU VISA credit card which you must apply for within 10 days of membership open date and be approved for within 30 days of application date; $100 for an approved and funded mortgage loan applied for by you and funded within 180 days of membership open date; $25 for a new checking account opened by you and funded with $25 or more within 10 days of membership open date. You will receive an additional $25 reward if you make 10 debit card transactions of $10 or more via the new checking account within 60 days, or you receive a direct deposit of $100 or more into the account within 60 days. Only one reward per reward type is available, subject to a maximum of $1,500 in cash rewards per calendar year. Rewards will be automatically deposited into your oldest existing MSGCU primary share account two business days following confirmation by MSGCU that the referral has been made in full compliance with the Program Terms. Reward cash payments are considered interest and annual payments totaling $600 and above will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law. You are responsible for any taxes due. For full terms and conditions, visit https://www.msgcu.org/disclosures-and-fees.
It only takes a few minutes to open a new account online. Simply log into Online Banking and select New Accounts to open Savings and Checking accounts, as well as CDs. You can also apply online for a loan or credit card.
