The way we’re different makes a difference

At MSGCU, we measure our success in terms of yours. Members and communities are at the center of everything that we believe in and everything that we do. You have goals to reach and dreams to achieve, and we are here to help you prosper.

We believe that every conversation we have with you — every day — matters. That’s why our team members are friendly, helpful, and ready to listen. While other institutions are most concerned with their bottom line, we are interested in being an advocate and a trusted advisor — solving problems and providing smart, sensible solutions that fit your particular needs.

We understand that great rates and low fees are high priorities when choosing a financial partner. As a not-for-profit credit union, we are able to structure our loan and savings products to benefit you, not a group of outside investors. Nothing satisfies us more than saving you money with a better rate or a smarter solution.

We are deeply committed to the Michigan communities we serve and we're proud to be part of the local fabric — volunteering time, donating resources, and offering free educational programs — helping friends and neighbors learn how to optimize their financial well-being and bring their dreams to life.

Our branches in Macomb, Oakland, and Wayne counties serve thousands of members, including many in the surrounding counties of Genesee, Lapeer, Livingston, St. Clair, and Washtenaw. In fact, anyone living or working in Michigan’s Lower Peninsula is eligible to become a member. We are also available to all of our members online, via phone, or through our mobile app.

We see first-hand every day what can happen when caring, collaboration, and community come together. We are honored to have more than 130,000 members who are fiercely loyal to MSGCU because they know we are doing everything possible to help them achieve their dreams.


Doing the right thing

A small group of local educators founded MSGCU in 1954, and education and public service have been part of our culture since day one. We value people over profits; at MSGCU, we have your best interests at heart.

  • Be Trustworthy: Being honest and fair
  • Stay Engaged: Actively involved physically, mentally and emotionally
  • Strive for Excellence: Distinguished by consistently exceeding expectations
  • Build Relationships: Caring personally about the people we serve
  • Focus on Financial Strength: Responsible decisions focused on sustained success

Meet the volunteers who define our direction

We are proud to have this group of distinguished professionals represent MSGCU members on our Board of Directors.

  • William F. Cayen  |  Chairman
  • Charles Thomas  |  Vice Chairman, Audit Committee
  • Richard P. Maierle  |  Secretary
  • James S. McCann  |  Treasurer
  • Elizabeth Argiri  |  Audit Committee
  • Edward D. Callaghan
  • Teresa DiMaria  |  Audit Committee
  • Richard L. Shoemaker  |  Audit Committee
  • Douglas J. Smith

Nominees for 2020 Board of Directors Election

William Cayen retired after 35 years in public education where he worked as a teacher, counselor and high school principal. He served in the Berkley, Rochester and Madison School Districts. For the past 50 years, Bill has been a member of the Board of Directors at the SOC Credit Union and MSGCU. Dr. Cayen has served as Chairman, Vice Chairman, and Secretary of the Board. He has also chaired and served on the Personnel, Audit, Merger and Nominating Committees. He truly enjoys the challenge of serving the members of one of the finest financial institutions in Michigan. Dr. Cayen’s educational background includes a Bachelor's, Master’s and PhD degree from the University of Michigan. Bill and his wife, Pat, spend much time keeping track of their four married children and eleven grandchildren. He enjoys golfing, woodworking and hiking, especially in the Smoky Mountains of Tennessee.

Teresa DiMaria was an educator for 42 years and retired from Rochester Community Schools as an elementary principal in 2017. Prior, she worked in Chippewa Valley as a teacher and building administrator. Mrs. DiMaria’s community responsibilities are many including membership in civic and educational organizations. She is currently president elect of the Zonta Club of Pontiac North Oakland – a global organization working to advance the status of women worldwide through service and advocacy. Mrs. DiMaria has been a member of MSGCU since 1984. She served on the Audit Committee (Supervisory Committee) since 1987 and was appointed to the Board of Directors in 2014. Mrs. DiMaria’s educational background includes a Master of Arts degree in Educational Leadership from Eastern Michigan University. Her husband, Tony, is a musician and former band director from Center Line Schools. They are proud parents of Sarah, an MSU graduate and high school teacher in Austin, Texas, and son Michael, a CMU graduate and a hotel general manager in Nashville, Tennessee.

Richard Shoemaker, employed by the L’Anse Creuse Public Schools, retired after 32 years. Mr. Shoemaker served as Teacher, Department Head and Facilitator of Industrial Education, Coordinator of several high school computer networks, and Co-chaired the committee for development of the Pankow Vocational Technical Center. After retirement, he formed RLS Consulting to provide desktop newsletter publishing for several school districts, an insurance agency, and a church. He currently serves as Secretary of the Mount Clemens Traffic Safety Committee, Chair of the Mount Clemens Planning Commission and Liaison to the ZBA (Zoning Board of Appeal). He also serves on the finance team of his church and the Finance Audit Committee of the Michigan Association of Retired School Personnel (MARSP). Mr. Shoemaker graduated from Bowling Green State University with post graduate work at Michigan State University and Central Michigan University. He has served on the MSGCU Board of Directors for 39 years. Richard and his wife, Cynthia, enjoy sharing time with their three adult children and two grandchildren. Richard also enjoys golfing, carpentry and gardening.