This website requires Javascript enabled to function properly.
  • Join
  • Make a Loan Payment
  • Locations
  • Rates
  • Contact
  • Chat
Michigan Schools & Government Credit Union
  • Bank

    Anytime Banking

    • Online and Mobile Banking
    • 24/7 Account Access
    • Bank with Ease
    Spend & Save
    • Checking
    • Savings
    • CDs & IRAs
    • Credit Cards
    • Investment Planning
    Account & Branch Services
    • Direct Deposit
    • Automatic Funds Transfer
    • Money Orders
    • VISA Gift Card
    • Wire Transfer
    • Safe Deposit Boxes
    • Night Depository
    Business Banking
    • Business Essentials
    • Simplified Employee Pension (SEP) Plan
    MSGCU team member with member

    Seriously great CD rates.

    With guaranteed returns and great rates, MSGCU Certificates of Deposit are a risk-free option to grow your savings faster.

    Learn More
    • Join MSGCU
    • Savings Rates
    • Contact Us
    • Routing Number: 272480173
  • Borrow

    Home

    • Mortgages
    • Home Equity
    Personal & Business
    • Credit Cards
    • Vehicle Loans
    • Personal Loans
    • Classroom Loans
    • First Responder Loans
    • Business Loans
    Loan Services
    • QuickPay
    • Automatic Loan Payment
    • Credit Report
    • Insurance
    Group attending workshop

    TurboTax and H&R Block Discounts

    Take advantage of special member savings on tax solutions and make filing a breeze this tax season.

    Learn More
    • Apply For A Loan
    • Loan Rates
    • Ways To Pay Your Loan
    • Contact Us
  • Learn

    Financial Education

    • Classroom Presentations
    • Workshops
    • Workplace Education
    • Financial Counseling
    • Interactive Financial Education
    • Blog
    • Financial Education Options
    Resources
    • Rates
    • Financial Calculators
    • Apply For A Loan
    • Ways To Pay Your Loan
    • Resources For Educators
    • Resources For Government Employees
    • Resources For Businesses
    • Resources for Students & Young Adults
    Security & Fraud
    • Security Center
    • Scam Alerts
    fingers on keyboard

    Tips for keeping your information secure

    In addition to the steps we take to protect your information, there are things you can do to secure your personal information as well.

    Learn More
    • Join MSGCU
    • Community Support
    • Careers
    • Contact Us
  • Explore

    Help

    • Contact Michigan Schools & Government Credit Union
    • Call Center
    • Lost or Stolen Cards
    • FAQs
    Locations
    • Find A Branch Or ATM
    • Macomb County Branches
    • Oakland County Branches
    • Wayne County Branches
    • Washtenaw County Branches
    • Holiday Closings
    Membership
    • Become A Member
    • Business Membership
    • Membership Rewards
    • Switch To MSGCU
    • Member Referral
    About
    • The MSGCU Difference
    • Community Support
    • Classroom Cash Grants
    • Scholarships
    • Careers
    • News
    • Newsletters
    man on laptop at home

    Introducing Video Banking.

    Stop by a branch from the comfort of your home with Video Banking.

    Learn More
    • Join MSGCU
    • Current Rates
    • Apply For A Loan
    • Routing Number: 272480173
Search
Menu
Close
  • BANK
    • 24/7 Account Access
      • Compare your options
      • Online and Mobile Banking
      • Text Banking
      • Phone Banking
    • Bank with Ease
      • See your options
      • Bill Pay
      • Credit Score
      • Mobile Deposit
      • QuickPay
      • eStatements
      • Preference Center
    • Checking
      • Compare your options
      • Checking Account
      • Fresh Start Checking Account
      • Achieve Student Debit Account
      • Money Market Checking Account
      • Courtesy Pay
      • Ordering Checks
      • Debit/ATM Card
    • Savings
      • Compare your options
      • Regular Savings Account
      • You-Name-It Savings Account
      • Silver Savings Account
      • Gold Savings Account
      • Holiday Club Account
      • Health Savings Accounts
      • Youth Savings Programs
    • CDs & IRAs
      • Compare your options
      • IRA
      • IRA CD
      • CD (Certificate of Deposit)
      • Grow-With-Me CD
      • Bump Your CD Rate
    • Credit Cards
    • Investment Planning
    • Direct Deposit
    • Automatic Funds Transfer
    • Money Orders
    • VISA Gift Card
    • Wire Transfer
    • Safe Deposit Box
    • Night Depository
    • Business Essentials
    • Simplified Employee Pension (SEP) Plan
  • BORROW
    • Mortgages
      • See your options
      • Fixed-Rate Mortgage
      • Realtor
      • Adjustable-Rate Mortgage
      • FHA Mortgage
      • Condo Loans
      • Jumbo Mortgage Loan
      • Vacant Land Loan
      • Construction Draw Loan
      • Renovation Loan
    • Home Equity
      • Compare your options
      • Home Equity Loans
      • Home Equity Line of Credit (HELOC)
    • Credit Cards
      • Compare your options
      • Classic Visa Credit Card
      • Youth Classic Visa Credit Card
      • Titanium Visa Credit Card
      • MSGCU Rewards Visa Credit Card
    • Vehicle Loans
      • See your options
      • Car, Truck, and SUV Loans
      • RV Loans
      • Powersports Vehicle Loans
      • Boat Loans
      • College Degree Auto Financing Program
      • Member Auto Refinancing Program
    • Personal Loans
      • See your options
      • Personal Line of Credit
      • Personal Signature Loan
      • Share Secured Loan
    • Skip-A-Pay
    • Classroom Loan
    • First Responder Loan
    • Business Loans
    • QuickPay
    • Automatic Loan Payment
    • Credit Report
    • Insurance
      • See your options
      • Guaranteed Asset Protection (GAP)
      • Mechanical Repair Coverage (MRC)
      • Life Insurance
      • Home and Auto Insurance
      • Insurance Service Center
  • LEARN
    • Classroom Education
    • Workshops
    • Workplace Education
    • Financial Counseling
    • Blog
    • Rates
      • See your options
      • Savings Rates
      • CD, IRA, and HSA Rates
      • Loan Rates
      • Mortgage Rates
      • Business Account Rates
      • Business Essentials Rates
    • Financial Calculators
    • Apply for a Loan
      • See your options
      • Classic VISA Credit Card Application
      • Titanium VISA Credit Card Application
      • New Auto Loan Application
      • Used Auto Loan Application
      • Auto Loan Application
      • RV, Powersport, Motorcycle & Boat Loan Application
      • Home Equity Closed-End Application
      • Home Equity Line of Credit Application
      • Interest-Only Home Equity Line of Credit Application
      • Personal Line of Credit (Instant Credit) Application
      • Personal Signature Loan Application
    • Ways To Pay Your Loan
    • Resources for Educators
    • Resources for Government Employees
    • Resources for Businesses
    • Resources for Students & Young Adults
    • How We Safeguard Your Account
      • See your options
      • Account Protection
      • Account Monitoring
    • Protect Yourself
      • See your options
      • Computer Protection
      • Phone Protection
      • Privacy Protection
      • ATM Security
      • Scam Alerts
    • Financial Education Options
    • Interactive Financial Education
  • EXPLORE
    • Contact Us
    • Call Center
    • Lost or Stolen Debit/Credit Cards
    • FAQs
    • Find a Branch or ATM
    • Macomb County Branches
      • See your options
      • Chesterfield Township | 23 Mile, West of Jefferson
      • Chesterfield Township | Hall Rd. and I-94
      • Clinton Township | Garfield, South of 18 Mile
      • Macomb Township | 26 Mile, West of Romeo Plank
      • Saint Clair Shores | Little Mack, South of 10 Mile
      • Shelby Township | 23 Mile East of Van Dyke
      • Shelby Township | 26 Mile and Van Dyke
      • Shelby Township | Hayes and 22 Mile
      • Sterling Heights | Metro Parkway, East of Dequindre
      • Sterling Heights | Mound and 18 Mile
      • Warren | 14 Mile and Schoenherr
    • Oakland County Branches
      • See your options
      • Commerce Township | N. Pontiac Trail, West of Haggerty
      • Farmington Hills | Orchard Lake, North of 13 Mile
      • Madison Heights | 12 Mile, West of John R
      • Royal Oak | Woodward, North of 13 Mile
      • Troy | Crooks, South of Long Lake
    • Wayne County Branches
      • See your options
      • Livonia | Farmington and 8 Mile
    • Washtenaw County Branches
    • Holiday Closings
    • Become a Member
    • Business Membership
    • Membership Rewards
    • Switch to MSGCU
    • Member Referral
    • The MSGCU Difference
    • Community Support
    • Classroom Cash Grants
    • Scholarships
    • Careers
    • News
    • Newsletters
      • Compare your options
      • Fall 2021 Common Interest
Log In

Log in to MSGCU

Access and manage your money 24/7.

This field is required.

I forgot my username.

New to Online Banking?
Register

MSGCU Resources for Educators

Resources for Educators

Your commitment to helping students grow is honorable. MSGCU is equally dedicated to helping you and all educators access valuable products, services and exclusive resources to improve your financial well-being.

Contact Us

  • Home
  • LEARN
  • Resources for Educators

Happy Teacher Appreciation Week!

Enter to win 1 of 2 $500 account deposits, May 1 - 30Enter to win 1 of 2 $500 account deposits, May 1 - 30Get up to $750 for your innovative classroom project with our Classroom Cash Grants programGet up to $750 for your innovative classroom project with our Classroom Cash Grants programBring valuable financial responsibility lessons to your classroomBring valuable financial responsibility lessons to your classroom

 

Tools that help you achieve your goals.

As a credit union founded by teachers 70 years ago, we value the important work educators do every day. Supporting you goes beyond accounts, it goes to the heart of what you do in the classroom. To help support you, MSGCU offers free educational resources, as well as grant and scholarship opportunities.

  • Grow your own financial knowledge with our interactive financial education platform and blog
  • Bring tailored lessons by our award-winning consumer education team directly to your workplace
  • Attend one of our free virtual or in-person workshops to educate yourself or your students
  • Get a 0% APR* loan to enrich the classroom experience
  • Learn more about of our annual scholarships for accomplished high school seniors and educators returning to school

Membership with unexpected rewards 

From opening your first account as an MSGCU member to guiding you through home purchases, we stand by you. When you begin your journey with MSGCU, you can bank on attentive service and professional guidance from a Michigan credit union formed by educators and committed to helping you succeed.

  • Become an MSGCU member with our School Employee Pack, and we'll deposit your first $25^
  • Get free financial counseling at any one of our 23 branch offices.
  • Save time with free Direct Deposit and make payments or build up your savings with Automatic Funds Transfers.
  • Get great CD rates and plenty of help along the way. We’re always looking for opportunities to help you grow your money — whether you're saving for retirement or your next big splurge.
  • Earn cash rewards by referring friends and family members to MSGCU.
  • Get access to affordable mortgages, with 0% down payments for first-time home buyers.

2025 Educator Appreciation Raffle


Enter to win 1 of 2 $500 account deposits, May 1 - May 30, 2025!  All entries must be received by May 30 at 5 PM and you may only enter once. Drawing will be conducted on June 2. 
* Required Fields
Are you an MSGCU member?
Security Code:

*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply. 
^To receive the $25 deposit at account opening, the member must qualify for and open a checking account, regular savings account, and one additional savings or loan product. $25 offer is subject to change without notice.

2025 Teacher Appreciation Raffle

AGREEMENT TO OFFICIAL RULES: The 2025 Teacher Appreciation Raffle (the ”Drawing”) is available only to legal residents of the state of Michigan, ages 18 and older, and shall be governed by Michigan law. By participating in the Drawing, you agree to abide by and be bound by these Official Rules and the decisions of Michigan Schools and Government Credit Union, which shall be final and binding in all matters related to the Drawing.

ELIGIBILITY: The Drawing is open and offered only to individuals who are legal residents of Michigan, school employees, aged 18 or older at the time of entry. Employees and officials of Michigan Schools and Government Credit Union, their immediate families (parent, child, sibling or spouse) and/or persons living in their household, and any other persons or entities associated with this Drawing (“Official Family”) are ineligible to enter the Drawing or win a prize. The winners of the raffle must provide proof of employment at a school. The Drawing is void outside of the state of Michigan and where otherwise prohibited by law.

SPONSOR/ADMINISTRATOR: The Drawing is sponsored and administered by Michigan Schools and Government Credit Union (“MSGCU”), 40400 Garfield Road, Clinton Twp., MI 48098 (“Sponsor”).

HOW TO ENTER: The entry period for the Drawing will be open from May 1, 2025, at 9 AM, until May 30, 2025, at 5 PM. Eligible persons can enter the drawing by entering the information requested on the MSGCU website or by mailing a letter containing their name, phone number, address, email address and whether they are an MSGCU member to 4555 Investment Dr, Troy, MI 48098. All mailed entries must be received by May 29, 2025 at 5 PM. Each completed entry will generate one (1) Drawing entry. Entry is limited to only one (1) entry per person and only one entry will be permitted using any specific phone number. Any attempt by any person to obtain more than the allowed number of entries by using multiple/different phone numbers, names, identities, or any other methods will void that person’s entry(ies) and the person will be disqualified from winning a prize.

CONDITIONS OF PARTICIPATION: If for any reason the operation or administration of this Drawing is impaired or incapable of running as planned for any reason, including but not limited to (a) infection by computer virus, bugs, (b) tampering or, unauthorized intervention, (c) fraud, (d) technical failures, or (e) any other causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Drawing, the Sponsor reserves the right, in its sole and absolute discretion, to disqualify any person who tampers with the entry process, and/or to cancel, terminate, modify or suspend the Drawing in whole or in part, at any time, without notice and award the applicable prize using all non-suspect eligible entries received as of, or after (if applicable) such cancellation, termination, modification or suspension date, or in any manner that is fair and equitable and best conforms to the spirit of these Official Rules. Sponsor reserves the right, in its sole and absolute discretion, to disqualify any person deemed to be tampering or attempting to tamper with the entry process and/or acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Failure by the Sponsor to enforce any provision of these Official Rules shall not constitute a waiver of that provision of the Official Rules. Sponsor reserves the right to amend these Official Rules or discontinue the Drawing at any time.

DRAWING AND NOTIFICATION: Two (2) prizes will be awarded to two (2) winners. The winners will be selected by random drawing from all eligible entries received by the Sponsor, whose decisions are final and binding. The prize drawings will be conducted on June 2, 2025, and winners will be notified by June 3 by 5 PM. The winners will be contacted by the Sponsor at the telephone number provided with the entry or will be present at time of drawing. If a potential winner cannot be contacted at the phone number provided with the entry within three (3) business days after the first attempt to contact him/her, the Sponsor may select an alternate potential winner in his/her place at random from the remaining eligible entries.

ODDS OF WINNING: Odds of winning will depend on the total number of eligible entries received throughout the Drawing Period and the total number of entries that you have submitted. All eligible entries shall have an equal chance to win the prize.

PRIZES: There are two (2) prizes of $500 each. Prizes will be deposited into the winner’s primary share account within two (2) business days of the notification of winning, subject to verification of eligibility and other conditions as set forth in these Official Rules. MSGCU primary membership, including $5 membership share if applicable, is required to accept the prize.

PRIZE CONDITIONS: The potential prize winners are required to sign a Media/Publicity Release and return same to Sponsor within seven (7) business days of notification, or the prize may be forfeited and an alternate potential winner selected. In Sponsor’s sole discretion, if a potential prize winner cannot be notified, or if a potential prize winner fails to return a completed required document within the specified time period, or if a potential prize winner is not in compliance with these Official Rules, then such person shall be disqualified and an alternate winner will be selected for the prize at issue. The Sponsor reserves the right in its sole and absolute discretion to substitute the prize with another prize of equal or greater value in the event that the prize (or any component thereof) is not available as determined by the Sponsor in its sole and absolute discretion.

TAXES AND TAX REPORTING: Prize winners are solely responsible for all federal, state, and local taxes, and any expenses associated with the prize. Prize winners must provide all information necessary for Sponsor to make required tax reports. The failure of a prize winner to provide such information shall result in the prize being forfeited by prize winner.

RELEASE AND HOLD HARMLESS: By entering the Drawing and/or accepting a prize, the prize winner agrees to hold Sponsor and its officers, directors, employees, representatives, and agents harmless from any and all liability whatsoever in connection with the Drawing, including without limitation, legal claims, costs, injuries, losses or damages, demands with respect to (a) any errors that may prevent a person from submitting an entry; (b) unauthorized human intervention in the Drawing; (c) printing errors; (d) errors in the administration of the Drawing or the processing of entries; (e) injury, death, or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from participation in the Drawing or receipt of any prize; (f) all claims based on publicity rights, defamation, use of image of likeness and/or breach of any right of privacy; or (g) any other claims or actions of any kind. Except where prohibited by law, acceptance of a prize constitutes a release by the prize winner of any and all claims in connection with the administration of the Drawing and the use, misuse or possession of any Prize. Sponsor is not responsible for any printing, typographical, mechanical or other error in the administration of the Drawing or in the announcement of the prize.

LIMITATION OF LIABILITY: IN NO EVENT WILL SPONSOR, ITS OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) ARISING OUT OF PARTICIPATION IN THIS DRAWING OR THE ACCEPTANCE, POSSESSION, USE, OR MISUSE OF, OR ANY HARM RESULTING FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF THE PRIZE.

PUBLICITY AUTHORIZATION: Sponsor may use any prize winner’s name, photo, voice, likeness and/or city of residence for promotional purposes via any and all forms of media, in perpetuity, without further or additional notice, attribution, permission or compensation, except where prohibited by law. Prize winner agrees that his/her name and prize may be revealed to other Drawing participants upon request.

COMPLIANCE WITH LAW: All issues and questions concerning the Drawing, these Official Rules, the rights of the participants in connection with the Drawing, any dispute arising between Sponsor and any Drawing participant and/or any dispute concerning the administration of the Drawing shall be governed by and construed in accordance with the laws of the State of Michigan and applicable Federal law.

USE OF DATA: All information submitted will be treated according to Sponsor’s Privacy Policy, available at https://www.msgcu.org/privacy. By participating in the Drawing and providing your contact information, all persons entering hereby agree to Sponsor’s collection and usage of their personal information and acknowledge that they have agreed to be bound by Sponsor’s Privacy Policy.

 

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.

Join MSGCU

Call 1.866.MSGCU4U

1.866.674.2848

1.586.263.8800

  • Chat Now
  • Branches & ATMs
  • Contact Us Online
  • Facebook
  • Instagram
  • Twitter
  • LinkedIn
Popular Searches
  • Routing & Transit Number: 272480173
  • Make a Loan Payment
  • Protect Your Account
  • Current Rates
  • Careers
Download Our free Mobile App
App-AppleApp-GooglePlay
  • Co-op
  • National Credit Union Administration
  • Equal Housing Lender

Michigan Schools & Government Credit Union is federally insured by the National Credit Union Administration.

  • © 2025 MSGCU. All rights reserved.
  • Disclosures & Fees
  • Privacy Policy
  • Website Accessibility
  • Sitemap
Make A Loan Payment

Pay your loan in Online Banking or the MSGCU Mobile App

  • Select Transfers to pay with MSGCU funds
  • Select QuickPay to pay with funds from another bank or credit union (learn more)

Log in

See other ways to pay your loan.

Membership Status

New to MSGCU?

It's simple and secure to open an MSGCU membership online. Our application usually takes less than 10 minutes and you can fund your new account right away.

Apply & Join



Applying in person? Visit the branch nearest you 
»
 

Already a member?

Simply log in to Online Banking and select New Accounts. You can open Savings and Checking accounts, as well as CDs, in just a matter of minutes.

Log in & Open



Interested in a loan or a credit card? Apply here 
»