COVID-19 Update: March 23

Through our 65 years, we’ve remained a constant financial partner for our members, despite what local, national or global events occur around us. Coronavirus will not change our commitment to our members.

Governor Whitmer announced an executive order, “Stay Home, Stay Safe,” earlier today in response to the COVID-19 pandemic outbreak. This order begins March 24 at midnight and will be in effect until April 13. We understand these are unprecedented times, and with that comes uncertainty. We are, and remain, here for you and ready to serve.

How we serve you will be different in order to protect you, our community and our team members. However, rest assured that we will continue to make every effort to accommodate your financial needs with the same service standards you have come to expect from MSGCU.

Michigan Schools and Government Credit Union is considered an essential service.

This means that we are open to service you. In response to “Stay Home, Stay Safe” we will maintain member service through drive-thru lanes, ATMs, our call center and online chat and Online and Mobile Banking.

We urge you to stay at home and utilize our virtual services. If you need help setting up an account, please watch our tutorials or call us and we’ll walk you through it.

Sanitization procedures are underway at our drive-thru lanes and ATMs. And for the team members in our branches and back offices, social distancing is in effect. Many team members are performing their duties remotely.

Your MSGCU accounts are safe.

The National Credit Union Administration (NCUA) insures your accounts up to $250,000. This means that your checking and savings accounts are safe. If you have funds in a CD, remember that the interest rate doesn’t change based on market conditions. The interest rate in which you start the CD is the interest rate that will remain throughout the term of that CD.

While your MSGCU accounts are protected, remember to be diligent with account security. Scammers are trying to take advantage of the world's heightened sense of alert. Read tips to keep you safe in our Security Center.

We are here for you.

If you are impacted by COVID-19, we are here to support you, with programs such as short-term loans, loan skip-a-pay or other. Please call us to discuss your options.

We’ll keep you updated.

We will continue to keep our website updated with the most up-to-date information. This will include any changes that impact members.

We will get through this, together.

COVID-19 Update: March 20

Through our 65 years, we’ve remained a constant financial partner for our members, despite what local, national or global events occur around us. Coronavirus will not change that. MSGCU team members are proud to remain at your service, in our drive-thru lanes, via in-branch appointments, on the phone and through our virtual services. During these challenging times, we are dedicated to providing caring assistance to our members.

Thank you to kindhearted members who have reached out to make sure we’re safe and healthy. Team members in branches and back offices are practicing social distancing and many team members are performing their duties remotely. Our locations continue increased sanitization efforts as previously described.

We've had some questions over the last few days from members that we want to make sure to address:

We are open for business.

We’re here and ready to help. While we might be interacting with you differently than before, such as over the phone versus in-person at a branch lobby, we are still here for you.

Business operations continue, including helping members with:

  • Loans
  • New and refinanced mortgages
  • Credit cards
  • Day-to-day banking needs, and
  • Support for our new online and mobile banking
  • Discussing options if you are having financial difficulties

Drive-thru lanes are operating normally.

You can perform many banking actions through the drive-thru that you can in the lobby. Simply pull up to a lane that’s open and a friendly MSGCU team member will help you.

Branches are available by appointment.

We remain available by appointment when needed. Call our call center to make an appointment.

You can still get an instantly-issued debit or credit card.

Our branch staff can instantly issue a debit or credit card. Call to make an appointment. If your card was lost or stolen and you don’t need it immediately, you can use our new online banking to report it as lost or stolen and order a new one via mail. Watch the tutorial to see how to do this.

ATMS are available 24/7.

MSGCU ATMs are undergoing sanitization procedures as mentioned below. They’re also available 24/7. Use our ATM locator to find one of 30,000 fee-free ATMS across the nation.


COVID-19 Update: March 18

We are proud to witness the power of caring and community coming together to aid all impacted by COVID-19. First responders, health care workers, teachers, students and members of the community: we are honored to work with you.

While we are amazed by the great work of many, we are also disheartened to hear of increased fraud attempts. Scammers are trying to take advantage of the world's heightened sense of alert. Please stay diligent in protecting your information, including:

  • Watch out for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that they have information about the virus. Always refer to for trusted information.
  • Ignore online offers for vaccinations. Only trust the CDC or World Health Organization (WHO) websites for medical breakthrough information.
  • Be alert to so-called COVID-19 “cure” and “vaccination” stocks that promise to make you lots of money. Do your homework before making any decisions. The U.S. Securities and Exchange Commission website is a good place to start.
  • Did you know Michigan protects consumers against price gauging for many items such as hand sanitizer, face masks and cleaning supplies? Report a retailer that has raised their prices to excessive levels.

MSGCU branches continue to be operational while limiting foot-traffic to our lobbies. Many new or in-progress loans can be closed remotely. Our drive-thru lanes, call center and online chat remain at your service. And you have 24/7 access to your MSGCU accounts via ATMs or Online or Mobile Banking

COVID-19 Update: March 16

Michigan Schools and Government Credit Union (MSGCU) continues to diligently monitor the coronavirus (COVID-19) pandemic. Each of us plays an important role in keeping ourselves and our community safe. At MSGCU, we are doing our part to be proactive in mitigating the risks and limiting the spread of the virus. As a result, our branch lobby availability will soon change.

While branch operations are fully functional, we will be limiting foot-traffic in branch lobbies to support the recommended practice of social distancing and actions taken by the State of Michigan. Branches will be assisting members through our drive-thru service at the hours listed below, or in-branch by appointment only, starting March 17, 2020.

Our drive-thru hours are extended through March 20

  • Tuesday to Friday: 9 am – 6 pm

Beginning Saturday, March 21

  • Monday to Wednesday: 9 am – 5 pm
  • Thursday to Friday: 9 am – 6 pm
  • Saturday: 9 am – 1 pm

We appreciate your understanding and want to remind you of all the different ways you can access your account information and complete your banking:

Online at or on your smartphone

Simply select “Log In” at the top right of any page on We have recently updated our online banking, so if you haven’t created a new username and password in our new system, you will need to do so. It’s easy and only takes a few moments.

If you haven’t already, please download our new mobile app for Apple or Android devices. To use it, log in with your user name and password (it will be the same username and password as you use for online banking).

In the new online banking and mobile app, you can:

  • Transfer between MSGCU accounts and to and from external accounts
  • Pay your MSGCU loans or credit cards
  • Apply for a loan
  • Pay friends or family members via PayPal
  • Deposit a check (available through the app only)

Via phone or chat

Call us toll-free at 866.674.2848, or locally at 586.263.8800. We’re also here for you via online chat. Our hours of operation continue to remain the same:

Call center

  • Monday – Wednesday: 8 am – 5 pm
  • Thursday: 8 am – 6 pm
  • Friday: 8 am – 7 pm
  • Saturday: 8 am – 1 pm

Online chat

  • Monday – Friday: 8 am – 8 pm
  • Saturday: 9 am – 1 pm

At an ATM

You also have access to cash and account balances 24/7 through 30,000 ATMs across the nation.


If you need a service that requires a visit to a branch, such as reissuing a debit or credit card, please call us toll-free at 866.674.2848, or locally at 586.263.8800 to talk to a service representative. We will work with you to accommodate your situation.

We are here for you

If you are impacted by COVID-19, we are here to support you, with programs such as short-term loans, loan skip-a-pay or other. Please contact us to discuss your options.

COVID Update: March 13

We at Michigan Schools and Government Credit Union are dedicated to your financial, and overall, wellbeing. We understand that the coronavirus (COVID-19) is a growing concern in Michigan for all of us.

What MSGCU is doing

We continue to monitor the coronavirus situation very closely. We are taking proactive measures to ensure our high level of service to you is uninterrupted in such an event that the outbreak becomes a more serious threat here in Michigan. These measures include:

  • Daily disinfecting efforts that include detailed cleaning of door handles, countertops, light switches, and additional high-contact surfaces in each of our branches, ATMs and back offices
  • Hand sanitizer at member check-in, sanitizing hand soap in restrooms and tissues at all branches
  • Requiring team members experiencing any flu-like symptoms to stay home

MSGCU remains fully-operational at all 15 branches and our call center, with no impact to hours of operation.

Our primary focus is keeping our members and team members safe. As the situation changes, we will continue diligent evaluation of how we keep our MSGCU community safe.

What you can do

We encourage members to utilize Online and Mobile Banking. It is available 24/7 and performs many functions that occur in branches, such as depositing a check or paying your loan or credit card.

During this time, we encourage you to follow the CDC’s best practices.

We also advise you follow the tips offered by the Federal Trade commission when interacting online, as scammers are unfortunately taking advantage of the situation.

Our future plans

We will continue to closely monitor the situation and evaluate our efforts to support the MSGCU community as needs arise. This webpage will continue to be updated with the latest information, should anything change.


Centers for Disease Control and Prevention

Coronavirus in Michigan

MSGCU Online Account Access (or select “login” above)

Coronavirus: Scammers follow the Headlines

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