New Branches | Michigan Schools & Government Credit Union

Our online and mobile banking enhancements are here! It features a new look and still offers all the tools and security that you've come to expect from MSGCU. Log in to get started or watch our video tutorials to learn more.

CHAMPIONING ROCHESTER HILLS, SHELBY TOWNSHIP, AND ALL OF MICHIGAN.

New MSGCU branches are coming to your area, and anyone who lives in Michigan can bank with us — whether you’re a teacher, baker, or viral video maker.

We’ve been championing the financial goals of Michiganders since 1954. Today, we have more than 150,000 members, and have earned an average satisfaction rating of 97% for over 20 years. Let us be your financial champion.

30,000 free ATMs nationwide for convenient access
Market-leading rates and low fees to keep more money in your pocket
Highly rated mobile app
24 and counting Metro-area locations for personalized guidance
Join and bank online 24/7
Referral rewards for you and your friend or family member

NOW OPEN
2101 SOUTH ROCHESTER RD.
ROCHESTER HILLS, MI 48307

NOW OPEN
8010 26 MILE RD.
SHELBY TOWNSHIP, MI 48316

SEE HOW WE CHAMPION YOU.

Watch our video to see how we go above and beyond to champion up-and comers, trailblazers, house hunters—and anyone else who becomes an MSGCU member.

SPECIAL OFFERS

Rate Special Home Equity Loans as low as 5.99% APR* Put the equity in your home to work for renovations, debt consolidation, or major expenses—at a limited-time, market-leading rate. Learn more.

Earn 4.25% APY^ risk-free with an 9-month CD MSGCU certificates of deposit give you a strong interest rate and the peace of mind that comes from a guaranteed return. Learn more.

Earn a $50 Referral Bonus^§Share MSGCU with friends by December 31 and you’ll each receive a $50 bonus, plus all regular referral rewards. Learn more.

JOIN OUR TEAM OF FINANCIAL CHAMPIONS.

Voted a Top Workplace in Michigan for the past 10 years, MSGCU champions our team members and community toward success. Come work with us!

Learn more and see all job openings

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*Special Promotional Rate. Eligible on fixed-rate home equity term loans applied for during the promotional period from 10/1/2025 through 12/31/2025. Subject to credit approval. Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan-to-value. Ask an MSGCU Representative for details. Example: A loan amount of $15,000 at 60 months with up to 80% Loan-to-Value and a rate as low as 5.99% (second lien) would be approximately $289.95.
^APY = Annual Percentage Yield. $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity.
§You must be at least 16 years old, and a member of MSGCU to participate in the Program. Referrals made to existing members of MSGCU are invalid. By making a valid referral that is completed by a Friend in accordance with the Program Terms, you and the Friend will each receive a cash reward as follows: $50 when your friend registers for the Member Referral Program using your link and opens a new MSGCU membership between 10/1/2025 and 12/31/2025, with the new membership remaining open for at least 60 days.; $25 for an approved and funded Auto, RV, Boat or Powersport loan of $5,000 or more applied for by the Friend within 10 days of membership open date; $25 for a new MSGCU VISA credit card which the Friend 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 the Friend and funded within 180 days of membership open date; $25 for a new checking account opened by the Friend and funded with $25 or more within 10 days of membership open date. The Friend will receive an additional $25 reward if they make 10 debit card transactions of $10 or more via the new checking account within 60 days, or they receive a direct deposit of $100 or more into the account within 60 days. Only one reward per reward type is available, for each Friend referred, 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.

Not for profit. All for members.

Members and communities are at the center of everything that we do. Anyone in Michigan can bank with us, and we’re here to help all our members reach their financial goals.

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Introducing Video Banking.

Anyone can have a bank. You deserve a financial champion.

SEE HOW WE CHAMPION YOU.

JOIN OUR TEAM OF FINANCIAL CHAMPIONS.

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Anyone can have a bank.
You deserve a financial champion.