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    Seriously great CD rates.

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    House hunters, save up to $1,120* on closing costs

    With down payment options as low as 0%, available 90-day interest rate lock and shop, and a mortgage designed just for you – we champion you all the way home.

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    Checking that champions you and your community

    Earn $200* in bonuses and a $50 community donation when you open an MSGCU checking account.

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WE'RE EXCITED TO BE YOUR NEIGHBOR – AND YOUR FINANCIAL CHAMPION.

 

We look forward to joining your community and helping you meet your financial goals. Want updates on when we’ll be open near you?

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

Founded in 1954, Michigan Schools and Government Credit Union is the financial champion of dream chasers, goal getters and success seekers. And now we’re coming to your area to champion you. With a 96% satisfaction rating for two decades, and more than 140,000 members, MSGCU is ready to help you reach your financial goals. Any Michigander is welcome to bank with us.

  • 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
  • 19 and counting Metro-area locations for personalized guidance
  • Join and bank online 24/7
  • Referral rewards for you and your friend or family member 
C Abbate

COMING SOON
2151 W. STADIUM BLVD.
ANN ARBOR, MI 48103

Rochester Hills branch

COMING SOON
2950 WALTON BLVD.
ROCHESTER HILLS, MI 48309

Shelby Township branch

COMING SOON
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


Switch to MSGCU Checking and get up to $200^ in bonuses – plus we’ll donate $50 to local community organizations on your behalf. To earn your bonuses and make a difference in your community, open a Regular or Fresh Start Checking account - online or in-branch - with an initial deposit of $25 or more by October 31. Learn More.

  • Earn $100: Set up a recurring $250 direct deposit within 60 days of opening your account.
    $50 donation: MSGCU will make a donation to select community organizations on your behalf.
  • Earn $100: Complete 10 debit card transactions of $10 within 60 days of account opening.

Count on MSGCU to help you save with marketing-leading rates. We have auto loans for new or used vehicles as low as 5.99% APR† (2016 & newer). Michigan average‡ auto loan rates: 6.89% APR new, 10.10% APR used. Learn More.

  • Auto Purchase
  • Auto Refinance
  • Boat, RV and Power Sport Loans
  • Home Mortgage Loans
  • Home Equity Term and Line of Credit Loans
  • Personal Loans and Loan Consolidation

Grow your savings risk-free with MSGCU certificates of deposit. Our CDs give you a strong interest rate and the peace of mind that comes from a guaranteed return. Learn more.

  • 5.000% APY* 9-month CD
  • 4.500% APY* 23-month CD

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

FINANCIAL EDUCATION

MSGCU champions your financial learning, whether in-person or virtual, live or self-directed.

Live WorkshopsLive WorkshopsBlogBlogInteractive Financial EducationInteractive Financial EducationIn-Branch SupportIn-Branch Support

BE THE FIRST TO KNOW ABOUT UPDATES:

^Available for regular and fresh start checking accounts opened before 10/31/2023; limited to one incentive per member. An incentive of up to $200 will be paid when the member completes the following criteria 1) Members can earn $100 when they qualify for and open a checking account and make an initial deposit of $25 or more, and a recurring direct deposit of $250 within 60 days. A one-time $50 donation will be made on the members’ behalf on or before March 31, 2024, divided evenly to select community organizations. MSGCU will make this donation directly, at no cost or tax benefit to members. Consult a tax advisor with questions. There is no substitute for this donation, and members cannot opt to receive it directly. 2) Members can earn an additional $100 when they conduct 10 PIN or signature debit card transactions (does not include ATM) of $10 or more. Bonus will be paid 61 days after account opening date. Members must not currently have a checking account or have closed a regular checking account as of 5/1/2023 or later. Contact Member Service Representative for more details.
†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.
‡Edmunds 2023: Michigan Car Loan Rates (APR) in the U.S. for Used and New Cars; https://www.edmunds.com/car-loan-apr-interest-rate.
*APY = Annual Percentage Yield. Minimum balance to open the account and earn the advertised APY is $500. Penalty for early withdrawal. The APY is offered as of 2/16/2023. Terms and rates are subject to change at any time without notice. Ask an MSGCU Representative for details.

Not for profit. All for members.

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.

Join MSGCU

Call 1.866.MSGCU4U

1.866.674.2848

1.586.263.8800

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