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Interactive financial education
Five minutes is all it takes to interact with a lesson. Or take a full playlist to take your financial knowledge to the next level. Plus, enter to win a weekly $50 gift card drawing* for for completing a playlist from September 9 to December 31. Get started here. Or check out our most popular topics:
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It’s important to remain vigilant to the various types of cybersecurity scams. Learn what to look for so you don’t fall victim to a spear phishing scam.
Award-winning presentations from MSGCU experts are available in-person and virtually to help you get started with cash and credit or be ready for the homebuying (or refinancing) process.
In-person and virtual education in schools and in the community.
From structured lessons to financial reality fairs, our consumer education specialists can bring adulting to life for students or our local communities. Learn more about classroom presentations.
One-on-one in-depth support
Each branch office has at least one certified financial counselor on staff when you prefer a more hands-on approach. Our friendly MSGCU team members can also help you evaluate your spending, find smart solutions for your unique needs, and help you make a budget.
*MSGCU’S INTERACTIVE FINANCIAL EDUCATION PLAYLIST WINNERS’ OFFICIAL RULES
MSGCU’s Interactive financial education playlist participant who is randomly offered by Michigan Schools and Government Credit Union (the “Credit Union” or “MSGCU”), whereby you may win a $50 Visa card if you complete a playlist in the interactive financial education portal of MSGCU website and register at the conclusion of the playlist and are randomly selected as a weekly winner. The following Official Rules (“Official Rules”) apply to all participants (“Playlist Participants”) and to all gift card recipients (“Gift card recipients”).
The Playlist Participant Drawing will begin at 8:00AM on 9/9/2021 and will end at 11:59:59 on 12/31/2021 (“Promotional Period”). All times are Eastern Standard Time as observed in Clinton Township, Michigan.
HOW TO ENTER
During the Promotional Period, one winner will be randomly selected each week. Weekly Drawing. Each week during the Promotional Period, participants will select a playlist on the interactive financial education page of the MSGCU website. They will view a complete playlist comprised of varying number of modules. At the completion of a playlist, an opportunity to register for the Drawing appears on screen. At that time, participants are invited to register for the Drawing. Participants may view all playlists and enter the Drawing after the conclusion of each playlist. However, a participant can only enter once per completed playlist and win one (1) $50 Visa gift card. The Weekly Promotional Periods are as follows:
Week 01: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 09/17/2021
Week 02: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 09/24/2021
Week 03: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 10/01/2021
Week 04: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 10/08/2021
Week 05: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 10/15/2021
Week 06: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 10/22/2021
Week 07: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 10/29/2021
Week 08: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 11/05/2021
Week 09: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 11/12/2021
Week 10: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 11/19/2021
Week 11: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 11/26/2021
Week 12: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 12/03/2021
Week 13: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 12/10/2021
Week 14: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 12/17/2021
Week 15: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 12/24/2021
Week 16: 8:00:00 AM ET on 9/09/21 – 11:59:59 PM ET on 12/31/2021
The random selection of Drawing winner’s Weekly drawings will be held within three (3) business days of the promotion period week ending, commencing on September 17, 2021, and ending on December 31, 2021. All entries from the start of the promotion period are eligible for the weekly drawings, however a participant can only win once in the Promotional Period.
The Playlist drawing is open only to legal residents of the State of Michigan, 18 or older as of 9/9/2021. Michigan Schools and Government Credit Union (“MSGCU”) employees, affiliates, shareholders, officers, directors, agents representative, and employees and each of their immediate family members (spouse, parents, children, siblings, and their respective spouses, regardless of where they live) and individuals living in the same households of each of these individuals (“MSGCU Team Members”) whether related or not, are not eligible to participate in the Interactive Financial Education weekly drawing. The drawing is subject to all applicable federal, state, and local laws. U.S. law governs this drawing.
ALTERNATIVE METHOD OF ENTRY
No purchase or obligation is necessary to enter or win the Drawing. Instead of the entering the Drawing by the automatic means described above, you may enter any Weekly Sweepstakes without purchase or obligation by U.S. Mail. To enter by mail, you must hand-print “MSGCU’s Interactive Financial Education”, the date of the Weekly Drawing Period in which you wish to enter, your name, address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), on a 8.5" x 11" sheet of paper, and mail, in a #10 envelope with sufficient first class postage affixed, to: MSGCU Marketing, 4555 Investment Drive, Suite 100; Troy, MI 48098.
You may enter as often as you wish; however, each mail-in entry will count as one (1) entry into the drawing and must be mailed in a separate postmarked-and-stamped envelope. In addition, in order to be considered for entry into any Weekly Drawing, your entry must indicate the Weekly Drawing Period in which you wish to enter and it must be received by us during that Weekly Drawing Period. Entries received prior to the commencement of, or after the termination of the applicable Weekly Drawing Period will not be entered into the drawing.
Proof of mailing does not constitute proof of delivery. Entries that are mechanically or electronically reproduced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of MSGCU and will not be acknowledged or returned. Entries not complying with these Official Rules are subject to disqualification at the MSGCU’s sole discretion.
DETERMINATION OF WINNERS
Except as otherwise set forth in these Official Rules, one (1) weekly drawing winner will be selected in a random drawing from among all eligible entries received during the applicable Weekly Drawing period, with all persons whose names are drawn receiving a prize.
All random drawings will be conducted by MSGCU. MSGCU decisions are final and binding on matters relating to this Playlist drawing. Prize winners will be notified by telephone and/or email with 48 hours of each drawing. Winners will be required to sign an affidavit of eligibility/liability release, a publicity release where legal, and federal and state tax releases, and return these documents, properly executed, via secure email or fax within 48 hours of notification. Non-compliance within this time frame and/or a reasonable time period; of if a prize notification returned as undeliverable will result in disqualification and, at MSGCU’s discretion, the prize may be awarded to an alternate winner.
The actual odds of winning a prize depend upon the total number of eligible entries received during the promotional period. NO PURCASE OR OBLIGATION NECESSARY TO ENTER OR WIN.
Except as otherwise set forth in these Official Rules, MSGCU will award one (1) $50.00 prize to the winner selected in each weekly drawing period.
In the event an ineligible prize winner is selected in a weekly drawing, an additional name or names will be drawn at random until an eligible prize winner is drawn.
Once the winner is selected, the prize will be awarded by means of a Visa Gift Card. Any and all other costs and expenses associated with prize acceptance and use not specifically state within these Official Rules as being provided, are the sole responsibility of the winner, including without limitation, all federal, state, and local taxes. If winner is at least 18 but still considered a minor in the state of Michigan or place of residence, the prize may be awarded in the name of her/her parent or legal guardian, who will be responsible for fulfilling all requirements imposed on the prize winner as set forth herein. Prize details are MSGCU’S sole discretion.
The potential prize winners are required to agree to a Media/Publicity Release within 48 hours of notification, or the prize may be forfeited, and an alternate potential winner selected. In Sponsor’s sole discretion, if a potential prize winner cannot be notified, or if a potential prize winner fails to return a completed required document within the specified time period, or if a potential prize winner is not in compliance with the Official Rules, then such person shall be disqualified, and an alternate winner will be selected for the prize at issue. The Sponsor reserves the right in its sole and absolute discretion to substitute the prize with another prize of equal or greater value in the event that the prize (or component thereof) is not available as determined by the Sponsor in its sole and absolute discretion.
USE OF DATA
CONDITIONS OF PARTICIPATION
MSGCU makes no representations or warranties of any kind with respect to the Drawing. Any warranty, express or implied, is hereby excluded and disclaimed. MSGCU is not responsible for lost, late, illegible, misdirected, inaccurate, incomplete, undelivered damaged, delayed, garbled, postage-due, or stolen mail, entries, and transactions; for transactions that are lost, misdirected, or fail to enter into the processing system, or are processed, reported, or transmitted, late or incorrectly; or for any other errors or problems of any kind, whether typographical, printing, mechanical, human, electronic, or otherwise, relating to or in connection with the Drawing, including, without limitation any error or problem that may occur in connection with the administration of the Drawing, the processing of entries, the announcement of prizes, or any drawing-related materials. Entries that have been tampered with or altered are void. MSGCU reserves the right, in its sole discretion, to cancel or suspend part or all of this Drawing at any time without notice and for any reason including if in MSGCU’s opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Drawing, or if virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Drawing. In the event of cancellation, MSGCU may void any entries it suspects are at issue and, at its discretion, if terminated, award prizes in a random drawing from among all non-suspect, eligible entries received up to the date of cancellation. Caution: Any attempt by a drawing participant of any other individual to damage or undermine the legitimate operation of the Drawing may be in violation of criminal and civil laws, and should such an attempt be made, MSGCU reserves the right to seek any and all remedies available from any such person to the fullest extent permitted by law, including criminal prosecution. MSGCU’S failure to enforce any term of the Official Rules shall not constitute a waiver of that or any other provision. MSGCU reserves the right to disqualify Drawing Participants who violate the Official Rules or interfere with this Drawing in any manner. If a Drawing Participant is disqualified, MSGCU reserves the right to terminate that person’s eligibility to participate in the Drawing.
Except where prohibited, all issues/questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of the Drawing Participants, prize winners the Indemnified and MSGCU in connection the with Drawing, shall be governed by, and construed in accordance with the laws of the State of Michigan and applicable Federal law. Any dispute arising between MSGCU and any Drawing Participant and /or prize winner and/or any dispute concerning MSGCU’s administration of the Drawing shall likewise be governed by, and construed in accordance with, the substantive laws of the state of Michigan and applicable Federal law. The Drawing is void where and to the extent prohibited by law.
Except where prohibited by law, as a condition of participating in this Drawing, Drawing Participants agree that (1) any and all disputes are causes of action arising out of or connected with this Drawing, or an prizes awarded, shall be resolved individually, without resort of any form of class action, and exclusively by final and binding arbitration under the roles of the American Arbitration Association and held at the AAA regional office nearest the Drawing Participant; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will Drawing Participants be permitted to obtain awards for, and Drawing Participants thereby waive all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorney’s fees, other than Drawing Participant’s actual out-of-pocket expenses (i.e., costs associated with participating in the Drawing), and Drawing Participants further waive all rights to have damages, multiplied or increased.
COMPLIANCE WITH LAW
All issues and questions concerning the Drawing, these Official Rules, the rights of participants in connection with the Drawing, any dispute arising between Sponsor and any Drawing participant and/or any dispute concerning the administration of the Drawing shall be governed by and construed in accordance with the laws of the State of Michigan applicable. Federal law.
All prize winners are solely responsible for all applicable federal, state, and local taxes and any expenses associated with the Prizes, unless otherwise indicated.
Each Drawing Participant and each Prize winner consents and agrees to permit the Indemnified Parties to use his/her name, voice and likeness on promotional and other materials via all forms of media now known or hereafter devised worldwide, in perpetuity, without any further or additional notice, attribution, permission or compensation (other than the Prize won) to the Drawing Participant and or Prize winner his/her /its successors or assigns, or any other entity, except where prohibited by law. Each Drawing Participant and each prize winner also agrees that this/her/its name and /or Prize may be revealed to other Drawing Participants upon request.
RELEASE AND INDEMNIFICATION
By participating in the Drawing, each Drawing Participant releases and discharges MSGCU and its officers, directors, employees, shareholders, members and representatives, and agents (“Indemnified Parties”) harmless from any and all liability whatsoever in connection with the Drawing, including without limitation, legal claims, costs, injuries, losses or damages, demands or actions of any kind (including without limitation personal injuries, death, damage to, loss or destruction or property, rights, of publicity or privacy, defamation or portrayal in a false light (collectively “Claims”). Except where prohibited by law, acceptance of a prize constitutes a release by the prize winner of the Indemnified parties so any and all claims in connection with the administration for the Drawing and the use, misuse or possession of any prize. This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of damage to property; and claims of third parties.
LIMITATION OF LIABILITY
IN NO EVENT WILL MSGCU AND/OR THE INDEMNIFIED PARTIES BE RESPONSIBLE ORLIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) ARISING OUT OF PARTICIPATION IN THE DRAWING OR THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF, OR ANY HARM, RESLUTING FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF ANY PRIZE.
For the names of the winners, mail a self-addressed stamped envelope by January 15, 2022, to: MSGCU Marketing, 4555 Investment Drive, Suite 100, Troy, MI 48098.
MSGCU reserves the right to amend these Official Rules or discontinue, modify, revise or amend the Drawing at any time. MSGCU disclaims any responsibility to notify Drawing Participants and/or prize winners of any aspect related to the conduct of the Drawing. Written copies of these Official Rules are available during normal business hours at any MSGCU branch location.
Administrator: Michigan Schools and Government Credit Union, MSGCU Marketing 4555 Investment Drive, Suite 100, Troy, MI 48098.