Education in the right place. Yours.

Finances are the top cause of employee stress, even above job, health and relationship stress combined. As your financial champion, MSGCU provides free financial education that can relieve related stress that may be distracting your employees. Financial wellness can:

  • Improve an individual’s decision-making capabilities and increase confidence.
  • Increase utilization, participation, and maximize an employee’s compensation throughout their tenure at work.
  • Reduce financial stress and insecurity among employees improving focus and productivity while on the job.
  • And more.

2021 PwC Employee Financial Wellness Survey

MSGCU can bring any of the following financial wellness topics in 20- to 60-minute sessions to your workplace:


  • Credit: Facts & Myths: The world of credit scores, credit reports, & credit bureaus can be confusing. Learn the facts so you can make informed decisions.
  • Boosting Your Credit Score: Learn how credit scores are calculated and how to use a credit report as a financial tool. Helpful tips are provided for monitoring and improving your credit score.
  • Checking Your Credit Report: Regularly checking your credit report helps to better understand your current position, ensure accounts are being reported properly, and address any inaccuracies.


  • Saving for College: Learn different ways to save for future college costs to help find one that fits your family.
  • Pay Yourself First: Learn simple and effective strategies to help prioritize and reach your savings goals.
  • Emergency Savings: Emergency savings are a key to building financial security. Learn strategies to lower stress by being better prepared for unexpected expenses.


  • Psychology of Spending:Use psychology to build a budget you can stick with. Learn how to set & prioritize goals.
  • Comparing Credit Cards: Learn what to look for when selecting a card, pitfalls to avoid, and the impact of making minimum payments.
  • Debt Management: Learn about the different types of debt, benefits and costs of credit, and MSGCU resources available.
  • Homebuying Myths: Learn the secrets of successful home buying including budgeting, pre-qualification, inspection, and other valuable tips.

Personal Finance

  • Raising a Financially Literate Family: From allowance guidelines to first credit cards, learn ways to incorporate financial education early in a child’s life to help them make smart money choices.
  • Growing Your Money Locally: Learn how some small changes in how you save and spend your money can better your community and the environment.
  • Credit Union Benefits: Banks and credit unions offer essentially the same products and services, but their values and motivations are very different.
  • Spotting Scams: Learn about fraud attempts and tactics used by scammers. Learn how to recognize the red flags and keep your personal information safe.

Dr. Margie Baldwin — Business Development and Community Relations Manager

Margie  Balwwin

Margie received a Bachelor's degree in Communications from Wayne State University. She also holds a Master's in Communications from Wheaton College, a Master's in Educational Leadership from Saginaw Valley State University, a Master's in Advanced Leadership Studies from Indiana Wesleyan and obtained her doctorate (Ed.D.) from Indiana Wesleyan in Organizational Leadership.

She has over 20 years of teaching and educational experience. As one of MSGCU’s certified financial counselors, she is passionate about helping people understand their finances and be wise financial stewards so they are in control of spending, saving, investing, and giving.


Shannon McIntosh — Consumer Education Specialist

Shannon McIntosh

Shannon received a Bachelor’s degree in English Literature and Liberal Arts from Cornell College in Mount Vernon, Iowa, and a Master of Arts in English Literature and Linguistics from Central Michigan University in Mount Pleasant.

Since joining MSGCU in 2012, Shannon has taught financial literacy education to countless classrooms, member workshops, and community groups. Plus, she has more than 20 years of experience teaching and presenting to groups. An award-winning partner, Shannon has been named Business Partner of the Year for the Anchor Bay School District (2019), Warren Consolidated School District (2018 & 2021), and received the Excellence in Consumer Education from the Michigan Credit Union Foundation (2015). Additionally, she has received numerous Credit Union National Administration (CUNA) awards for Excellence in Consumer Education for working with adults and youth. Prior to MSGCU, she was an Adjunct Professor of English at Macomb Community College in Clinton Township.


Let MSGCU bring education to your workplace.

MSGCU can bring all types of financial workshops right to your place of business. Please use the form below to request MSGCU's experts to customize a program to your staff's unique needs.

Tell us about yourself.

Customize your session.

Topics. Choose one or more topics that interest you:
Duration. Check the desired time frame for your session:
Format. Check the desired format for your session:

For security reasons, please do not include any personal account information in your request.


Your employer is working with Michigan Schools and Government Credit Union to bring customized financial education to your workplace. The team of financial educators at MSGCU can tailor the presentation to your specific interests, so please let us know what you'd like to learn about.

Tell us about yourself.

What topics interest you?

Credit scores:
Buying a home:
Debt management:
Finances and family:
Community spending:
Financial partners:

For security reasons, please do not include any personal account information in your request.

Introductory Presentation Request

Michigan Schools and Government Credit Union would be happy to talk more with you about your workplace's financial education needs. Use the form below to request a conversation.

Tell us about yourself.

Tell us about your interests.

For security reasons, please do not include any personal account information in your request.

Thank you! After you hit submit, a team member from MSGCU will respond to your request shortly.