New Branches

CHAMPIONING ROCHESTER HILLS, SHELBY TOWNSHIP, AND ALL OF MICHIGAN.

Founded in 1954, Michigan Schools and Government Credit Union is the financial champion of dream chasers, goal getters and success seekers. And now we’re coming to your area to champion you. With an average 97% satisfaction rating for two decades, and more than 150,000 members, MSGCU is ready to help you reach your financial goals. Any Michigander is welcome to bank with us.

30,000 free ATMs nationwide for convenient access
Market-leading rates and low fees to keep more money in your pocket
Highly rated mobile app
22 and counting Metro-area locations for personalized guidance
Join and bank online 24/7
Referral rewards for you and your friend or family member

COMING SOON
2101 SOUTH ROCHESTER RD.
ROCHESTER HILLS, MI 48307

NOW OPEN
8010 26 MILE RD.
SHELBY TOWNSHIP, MI 48316

SEE HOW WE CHAMPION YOU.

Watch our video to see how we go above and beyond to champion up-and comers, trailblazers, house hunters—and anyone else who becomes an MSGCU member.

SPECIAL OFFERS

Mortgage processing for just $99^† Save more than $600 on closing costs, whether you're a first-time homebuyer, upgrading, downsizing, or refinancing. Available through December 31. Learn more.

Earn 4.65% APY^ risk-free with an 9-month CD MSGCU certificates of deposit give you a strong interest rate and the peace of mind that comes from a guaranteed return. Learn more.

Earn up to $1,500^§ with Referral Rewards Share MSGCU with friends and you both get rewarded! Learn more.

JOIN OUR TEAM OF FINANCIAL CHAMPIONS.

Voted a Top Workplace in Michigan for the past 10 years, MSGCU champions our team members and community toward success. Come work with us!

Learn more and see all job openings

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†$99 mortgage processing fee offer available for mortgages loans originated and disclosed between 5/1/2024 and 12/31/2024 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 at an interest rate of 7.000% and an Annual Percentage Rate (APR) of 7.039% has a payment of $1,330.60 with 0 points due at closing. The payment does not include property taxes or insurances, the actual payment will be higher.
^APY = Annual Percentage Yield. $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity.
§You must be a legal resident of the United States of America, at least 16 years old, and a member of MSGCU to participate in the Program. Referrals made to existing members of MSGCU are invalid. By making a valid referral that is completed by a Friend in accordance with the Program Terms, you and the Friend will each receive a cash reward as follows: $5 for a new MSGCU membership which is established by the Friend and remains in good standing for a period of at least 60 days; $25 for an approved and funded Auto, RV, Boat or Power Sport loan of $5,000 or more applied for by the Friend within 10 days of membership open date; $25 for a new MSGCU VISA credit card which the Friend must apply for within 10 days of membership open date and be approved for within 30 days of application date; $100 for an approved and funded mortgage loan applied for by the Friend and funded within 180 days of membership open date; $25 for a new checking account opened by the Friend and funded with $25 or more within 10 days of membership open date. The Friend will receive an additional $25 reward if they make 10 debit card transactions of $10 or more via the new checking account within 60 days, or they receive a direct deposit of $100 or more into the account within 60 days. Only one reward per reward type is available, for each Friend referred, subject to a maximum of $1,500 in cash rewards per calendar year. Rewards will be automatically deposited into your oldest existing MSGCU primary share account two business days following confirmation by MSGCU that the referral has been made in full compliance with the Program Terms. Reward cash payments are considered interest and annual payments totaling $600 and above will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law. You are responsible for any taxes due. For full terms and conditions, visit https://www.msgcu.org/disclosures-and-fees.

Not for profit. All for members.

Members and communities are at the center of everything that we do. You have goals to reach and dreams to achieve, and we are here to help you prosper.

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Seriously great CD rates.

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Introducing Video Banking.

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WE'RE EXCITED TO BE YOUR NEIGHBOR – AND YOUR FINANCIAL CHAMPION.

SEE HOW WE CHAMPION YOU.

JOIN OUR TEAM OF FINANCIAL CHAMPIONS.

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