Find a loan on your terms

As a member of MSGCU, you benefit from loans with lower rates because we're a not-for-profit credit union focused on you. When you need to borrow money, MSGCU should be your first choice.

 

Vehicles

 

Car Loan, Truck Loan, or SUV Loan
Model YearsAPR* as low as
2016 & Newer 5.74%
2011 to 2015 6.49%
2010 & Older 8.99%

Example: A loan amount of $20,000 with a rate as low as 5.74% APR for 60 months would have an approximate monthly payment of $384.26.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. 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.

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RV Loan
5th Wheels, Trailers, Campers
Loan AmountAPR* as low asTerm
$50,000 and Over 7.49% Up to 240 Months
Between $25,000 - $49,999 7.49% Up to 180 Months
Up to $24,999 7.49% Up to 144 Months

Example: A loan amount of $40,000 with a rate as low as 7.49% APR for 180 months would have an approximate monthly payment of $370.67.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 240 months, depending on amount financed. APR may be higher, based on amount financed and credit score. New money only. Rates are subject to change at any time. Same-day approval on most RV applications. Contact Member Service Representative for more details.

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Marine Loan
Loan AmountAPR* as low asTerm
$50,000 and Over 7.49% Up to 240 Months
Between $25,000 - $49,999 7.49% Up to 180 Months
Up to $24,999 7.49% Up to 144 Months

Example: A loan amount of $40,000 with a rate as low as 7.49% APR for 180 months would have an approximate monthly payment of $370.67.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 240 months, depending on amount financed. APR may be higher, based on amount financed and credit score. Marine Survey may be required. New money only. Rates are subject to change at any time. Same-day approval on most Marine applications. Contact Member Service Representative for more details.

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Powersports
Jet Ski, ATV, Motorcycle, Snowmobile
Loan AmountAPR* as low asTerm
$30,000 and Over 7.74% Up to 144 Months
Between $10,000 and $29,999 7.49% Up to 120 Months
Up to $10,000 7.39% Up to 84 Months

Example: A loan amount of $12,000 with a rate as low as 7.49% APR for 60 months would have an approximate monthly payment of $240.42.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 144 months, depending on amount financed. Loan to Value up to 135%. APR may be higher, based on amount financed, term of loan, and credit score. New money only. Rates are subject to change at any time. Same-day approval on most Powersport applications. Contact Member Service Representative for more details.

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Home Equity

 

Home Equity Loan - 2nd Lien
TypeTermAPR* as low as
Fixed - 80% Loan-to-Value 1-5 Years 6.25%
Fixed - 80% Loan-to-Value 6-10 Years 6.75%
Fixed - 80% Loan-to-Value 11-15 Years 6.99%
Fixed - 90% Loan-to-Value 1-5 Years 6.50%
Fixed - 90% Loan-to-Value 6-10 Years 6.99%
Fixed - 90% Loan-to-Value 11-15 Years 7.25%

Example: A loan amount of $15,000 at 60 months with up to 80% Loan-to-Value and a rate as low as 6.25% (second lien) would be approximately $291.76.

*Special Promotional Rate. Eligible on fixed rate home equity term loans applied for during the promotional period from 6/3/2024 through 12/31/2024. Subject to credit approval. Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details.

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Home Equity Line of Credit (HELOC)
TypeTermAPR* as low as
Variable - 80% Loan-to-Value 10-year draw period;
15-year repayment
8.00%
Variable - 90% Loan-to-Value 10-year draw period;
15-year repayment
8.75%

*APR = Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. Minimum initial credit advance required based on credit limit. $75 annual fee may apply and third party fees paid by MSGCU to be reimbursed up to $500 if line of credit is closed within 36 months of loan opening. Michigan properties only.

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Interest-Only Home Equity Line of Credit (IO-HELOC)
TypeTermAPR* as low as
Variable - 80% Loan-to-Value 10-year draw period;
15-year repayment
8.00%
Variable - 90% Loan-to-Value 10-year draw period;
15-year repayment
9.00%

*APR = Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. No initial credit advance required. No annual fee. Interest calculated on current balance only. Interest-only payments are not applied to loan principal. Third party fees paid by MSGCU to be reimbursed up to $500 if line of credit is closed within 36 months of loan opening. Michigan properties only.

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Visa and Personal

 

Visa Rates
Type of CardLow APR*Minimum Limit
Titanium Visa 9.75% $5,000
MSGCU Rewards Visa as low as 14.00% $5,000
Classic Visa 12.75% $500
Youth Classic Visa 12.75% $300

*Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. See MSGCU Representative for details. Review complete rates and terms.

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Personal Line of Credit (Instant Credit)
TypeAPR* as low asTerm
Variable 11.00% None

*APR = Annual Percentage Rate. Initial rate may change. Variable-rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 18.00%. Contact Member Service Representative for more details.

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Personal Signature Loan
TypeAPR* as low asTerm
Fixed 9.50% Up to 36 Months
Fixed 10.25% Up to 60 Months
Fixed 11.50% Up to 72 months

Example: A loan amount of $5,000 with a rate as low as 9.50% APR for 36 months would have an approximate monthly payment of $160.17.

*APR=Annual Percentage Rate. Rates based on term and credit score. Minimum loan term of 1 month and maximum APR 19.25%. Contact Member Service Representative for more details.

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Member Fast Cash | Life Event Loan
Health care/injury, pet emergency, home repair, auto repair
Loan AmountTermAPR* as low asLoan Fee
$1,000 - $4,000 6 - 42 Months 20.40% $25

Example: A loan amount of $2,250 with a rate of 21.006% APR for 30 months would have an approximate monthly payment of $95.37.

*APR = Annual Percentage Rate. Borrower must be a member for at least three months. All loans subject to approval. Rates are subject to change at any time. Contact a Member Service Representative for more details.

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Share Secure Loan
TypeAPR* as low asTerm
Fixed Rate 2.65% Up to 36 months
Certificate of Deposit Loan - Fixed Rate Contact us Up to one month prior to CD maturity
Variable Rate 5.86% No term limit

Example: A loan amount of $5,000 at 2.65% APR for 36 months would have an approximate monthly payment of $144.64.

*APR = Annual Percentage Rate. All loans subject to approval. Rates are subject to change at any time. Contact a Member Service Representative for more details.

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Specialty

 

Classroom Loan
$500 maximum amount
TermAPR*
Up to a 10-month term 0.00%

Example: A loan amount of $500.00 at 0.0% for 10 months would have a monthly payment of $50.00.

*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply.

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First Responder Loan
$1,000 maximum amount
TermAPR*
Up to a 12-month term 0.00%

Example: A loan amount of $1,000 at 0.0% for 12 months would have an approximate monthly payment of $83.33.

*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply.

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‡Edmunds 2023: Michigan Car Loan Rates (APR) in the U.S. for Used and New Cars; https://www.edmunds.com/car-loan-apr-interest-rate.