Why MSGCU?
MSGCU has been championing Michiganders since 1954. Today, more than 160,000 members count on us for convenient access, local support, and personalized guidance for meeting today’s financial needs and tomorrow’s goals.
MSGCU is:
Trusted by members Open to all Michiganders A full-service financial institution A financial champion by your side Easily accessible
Ready to take a closer look?
Become a member online, or visit a branch and talk with our team about what works best for you.
* $99 mortgage processing fee offer available for mortgage loans originated and disclosed between 5/1/2026 and 9/30/2026 and saves $646 on mortgage processing when you obtain a mortgage from MSGCU. Homebuyers are responsible for any third-party closing costs including but not limited to home appraisal, home inspection, title, tax, and insurance. A loan amount of $200,000 amortized over 30 years at an interest rate of 6.375% has an Annual Percentage Rate (APR) of 6.436% and a payment of $1,247.74 with 0 points due at closing. The payment does not include property taxes or insurances, the actual payment will be higher.
† APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Rates shown include a 0.25% auto loan discount available to members who have three other qualifying MSGCU services, or who add a qualifying service during the loan process or within 30 days after loan closing. Qualifying services include Checking with Direct Deposit, Credit Card, Personal Loan, Auto Loan, HELOC, Home Equity Loan, or Mobile/Online Banking. Loan terms up to 84 months, depending on model year. APR may be higher, based on term of loan, credit score, collateral, and loan to value. 76-84 month loans require a minimum of $20,000 to finance. New money only. Rates are subject to change at any time. Same-day approval on most vehicle applications. Contact Member Service Representative for more details.
^ APY = Annual Percentage Yield. The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. The minimum balance required to open the CD and earn the advertised APY is $500. Funds are considered new money if they are received by MSGCU through cash, check, or wire transfer and the CD is opened within five days of MSGCU receiving the funds. Funds from an IRA direct transfer or rollover from another institution are also considered new money if they are deposited into the IRA share and the CD is opened within five days. Funds withdrawn from MSGCU may not be returned and be considered New Money within 90 days of withdraw. A penalty may apply for early withdrawal. Businesses, municipalities, and MSGCU team members are not eligible for this offer. This offer is available in branches or when opening a new membership online only through 9/30/2026. At maturity, the CD is renewed to a 1-year term Certificate of Deposit. Terms and rates are subject to change at any time without notice.
