Silver and Gold Savings Accounts
The more you save, the more you get back in return with MSGCU's Silver and Gold Saving Accounts.
Save more and earn more with Silver and Gold Savings Accounts
Higher returns served up on a silver platter
- No monthly service charge or withdrawal penalties
- Multi-tiered scale offers higher returns
- Deposits of $40,000 and above earn the highest yields
- Make regular contributions to accounts with Direct Deposit and Payroll Deduction options
- Open as many as five Silver Share Accounts
| Silver Savings Account | ||
| Effective Date: Monday, October 13th, 2025 | ||
| Average Daily Balance | APY* | Interest Rate |
| Under $100 | 0.10% | 0.10% |
| $100 - $4,999 | 0.35% | 0.35% |
| $5,000 - $9,999 | 0.50% | 0.50% |
| $10,000 - $19,999 | 0.60% | 0.60% |
| $20,000 - $39,999 | 0.65% | 0.65% |
| $40,000 and higher | 0.70% | 0.70% |
*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. | ||
Setting the gold standard for high-yield accounts
- No monthly service charge or withdrawal penalties
- Tiered dividend scale means that bigger balances bring higher returns
- Balances of $50,000 or more pay more than five times the rate of our Regular Savings
- Easily add to your accounts through Direct Deposit and Payroll Deduction
| Gold Savings Account | ||
| Effective Date: Monday, October 13th, 2025 | ||
| Average Daily Balance | APY* | Interest Rate |
| Under $50,000 | 0.10% | 0.10% |
| $50,000 - $74,999 | 1.00% | 1.00% |
| $75,000 - $99,999 | 1.20% | 1.19% |
| $100,000 - $199,999 | 1.80% | 1.79% |
| $200,000 and higher | 1.85% | 1.84% |
*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. | ||
Silver and Gold Savings Accounts at Michigan Schools and Government Credit Union are more than just a smart, secure investment. They also offer unlimited use of our Online Banking and can be used as Overdraft Protection for your Checking Account.
Want to learn more about how to save? Check out this 5-minute interactive lesson.
