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?

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 97% 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
20 and counting Metro-area locations for personalized guidance
Join and bank online 24/7
Referral rewards for you and your friend or family member

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

NOW OPEN
2950 WALTON BLVD.
ROCHESTER HILLS, MI 48309

COMING SOON
8010 26 MILE RD.
SHELBY TOWNSHIP, MI 48316

SPECIAL OFFERS

Count on MSGCU to help you save with marketing-leading rates. We have auto loans for new or used vehicles as low as 6.74% APR^† (2016 & newer). Michigan average^‡ auto loan rates: 7.02% APR new, 10.45% APR used. Learn More.

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.

5.400% APY^ 11-month new money CD
5.150% APY* 9-month CD
4.900% APY* 23-month CD

Earn up to $1,500^§ with Referral Rewards Share MSGCU with friends and you both get rewarded! Learn more.

Get $5 for becoming a member
Get $25 for opening a VISA credit card
Get $25 for opening and funding a checking account
Get $25 for getting an auto, boat, RV, powersport loan
Get $100 when a mortgage is closed

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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† 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 11/8/2023. Terms and rates are subject to change at any time without notice. Ask an MSGCU Representative for details.
^ APY = Annual Percentage Yield. APY is accurate as of 11/8/2023. Minimum balance to open the CD account and earn the advertised APY is $500 in new money. The 11-month promotional CD is offered as of 9/6/2023 for new money only (funds that are not currently on deposit at MSGCU). Funds will be considered new if: the funds came to MSGCU via cash, check, or wire transfer and the CD is opened within five days of receiving the funds or if the funds came from an IRA transfer that was deposited into the IRA share and the CD opened within five days. Minimum of $10,000 of new money must be deposited to the CD using cash or check before existing MSGCU funds can be added. Offer renews to a 12-month term Certificate of Deposit. There will be a 90-day interest penalty on early withdrawal. 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 CD is not eligible for a rate bump.
§ You must be a legal resident of the United States of America, 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: $5 for a new MSGCU membership which is established by the Friend and remains in good standing for a period of at least 60 days; $25 for an approved and funded Auto, RV, Boat or Power Sport 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.

Seriously great CD rates.

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

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