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 24/7Referral rewards for you and your friend or family member
COMING SOON COMING SOON COMING SOON
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. 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. † (2016 & newer). Michigan average‡ auto loan rates: 6.89% APR new, 10.10% APR used. Learn More .
Grow your savings risk-free with MSGCU certificates of deposit. Learn more.
5.000% APY* 9-month CD
4.500% APY* 23-month CD
FINANCIAL EDUCATION
MSGCU champions your financial learning, whether in-person or virtual, live or self-directed.
^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.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 .
