Experienced. Professional. Your Financial Champion.

Michigan Schools & Government Credit Union began more than 65 years ago right here in Macomb County.  And soon we’ll open a new branch in Shelby Township, on 26 Mile and Van Dyke.

With a 97% satisfaction rating for two decades, and more than 140,000 members, MSGCU knows how to help you achieve financial success. Anyone in Shelby Township and anyone in Michigan—is welcome to bank with us. MSGCU gives you:

  • 30,000 free ATMs nationwide for convenient access, including drive-thru ATMs with Video Tellers at our Shelby Township location that allow you to speak with tellers inside the branch
  • Market-leading rates and low fees to keep more money in your pocket
  • Highly rated mobile app for 24/7 account access
  • 21 additional Metro-area locations for in-person support
  • Personalized guidance toward your financial goals
  • Join online 24/7

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). National average auto loan rates: 7.10% APR new, 11.60% APR used. Learn More.

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.

We can’t wait to meet you!

Shelby Township
8010 26 Mile Road
Shelby Township, MI 48316
Phone: (866) 674-2848 or (586) 263-8800

Make an appointment

Branch Drive-Thru Hours

Monday – Wednesday: 9 am – 5 pm
Thursday – Friday: 9 am – 6 pm
Saturday: 9 am – 1 pm
Sunday: Closed

Meet the Team

Branch Manager Matthew G.

Matthew G. - Branch Manager



Branch Manager Matthew G.

TBD. - Assistant Branch Manager



Financial Education

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

† 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 2024: 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. APY is accurate as of 1/23/2024. 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 1/23/2024 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.
* 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 1/23/2024. Terms and rates are subject to change at any time without notice. Ask an MSGCU Representative for details.
§ 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.