Workplace Education
Financial stress impacts your employees while at work. Let the experts at MSGCU help reduce it with financial literacy presentations, tailored to your organization’s needs.
Education in the right place. Yours.
Finances are the top cause of employee stress, even above job, health, and relationship stress combined. When it comes to personal finances, almost 9 in 10 employees want help.
We believe education plays a vital role in your employees’ future success. That’s why we’re dedicated to improving financial well-being, and helping you and your team access valuable products, services, and exclusive resources. Financial wellness education can:
- Improve an individual’s decision-making capabilities and increase confidence.
- Increase participation in employee programs to improve compensation throughout their tenure at work.
- Reduce financial stress and insecurity among employees, improving focus and productivity while on the job.
Flexible Timing
Sessions can fit into any schedule whether it’s a full hour or a series of shorter checkpoints to showcase a variety of topics.
In-Person or Virtual Learning
Presentations can be shared in person at your location or via virtual learning environments including Zoom, GoToMeeting, and Microsoft Teams.
Customizable Topics
Choose from a variety of financial wellness presentations covering personal finance, credit, saving, spending, and personal development.
2021 PwC Employee Financial Wellness Survey
MSGCU can bring any of the following financial wellness topics to your workplace:
Credit
- Credit: Facts & Myths: The world of credit scores, credit reports, and 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: Learn all about credit reports, including how to check your credit report, understanding the report, and how to address any inaccuracies.
Saving
- Deposits and Savings: Learn different ways to save for future costs to help find one that fits your family. Discover current trends that affect those who are trying to save for their future.
- Pay Yourself First: Learn simple and effective strategies to help prioritize and reach your savings goals.
- Emergency Savings: Building an emergency savings is key to financial security. Learn strategies to lower stress by being better prepared for unexpected expenses.
Spending
- Psychology of Spending: Use psychology to build a budget you can stick with. Learn how to set and 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 resources available to help reduce or manage debt responsibly.
- Homebuying Myths: Bust the myths and learn the facts for successful homebuying including budgeting, prequalification, 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.
- Homebuyers: Learn about the entire homebuying process including budgeting, prequalification, inspection and closing. Mortgage loan options for first-time buyers and those re-entering the market or refinancing will also be covered.
- Credit Union Benefits: Learn how banks and credit unions are similar and different. Products and services, as well as values and motivations, are explored.
- Spotting Scams: Learn about fraud attempts and tactics used by scammers so you can recognize the red flags and keep your personal information safe.
Professional Development
- Financial Success Strategies: Ensure you are utilizing all of the benefits offered where you work. Strategies can be tailored for educators, school employees, police, or fire departments.
Jana Dedene — Business Development and Community Relations Manager |
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Jana has over 20 years of experience in the credit union industry and joined the MSGCU team in 2012. Throughout her tenure, she has worked with several teams, including branch operations and leadership, community outreach, and instructional design and delivery. She earned a bachelor’s degree in human resources development from Oakland University. Jana leads MSGCU’s business development and consumer education team, guiding efforts to strengthen community partnerships, expand financial literacy, and support members through meaningful educational initiatives. |
Dr. Margie Baldwin — Community Relations |
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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. |
Roslyn Grafstein — Community Relations |
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Roslyn joined MSGCU in 2025, bringing eight years of local government experience. In her most prior position, she served as Mayor of Madison Heights. In that capacity she co-chaired Southeast Michigan Council of Governments (SEMCOG) and their Economic Development Task Force and Work Skills Task Force. Prior to her positions as city council member, Mayor Pro Tem, and Mayor, Roslyn served as Manager of TD Bank in Toronto. |
Azra Hrnjic — Community Relations |
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When she joined MSGCU in 2026, Azra brought 20 years of banking experience, including branch leadership, business development, and customer relationship management. She earned a B.B.A. in International Business from Davenport University and a master’s in finance from Walsh College. In addition to her professional expertise, Azra is deeply committed to social causes and strengthening community relationships. She actively supports initiatives that promote financial empowerment, education, and equitable access to resources, and she values building meaningful connections that help individuals and neighborhoods thrive. |
Julie Kitchen — Community Relations |
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Julie started with MSGCU in 2021 and brought over 20 years of experience in the health care industry where she built and maintained community partnerships, and implemented health education programs and community events. She received a bachelor's degree in finance from Walsh College. Julie supports the team by developing new business connections, coordinating community events, and supporting branches with development opportunities. |
Shannon McIntosh — Consumer Education |
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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. 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. Prior to MSGCU, she was an Adjunct Professor of English at Macomb Community College in Clinton Township. |
Kristen Tucker — Community Relations |
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Kristen brought 10 years of credit union experience when she joined MSGCU in 2025. In her past role, she supported community and regional events, conferences, and meetings, as well as developing and executing business development plans. At MSGCU, she is responsible for fostering positive relationships in the community, ensuring meaningful connections with our community partners, and delivering member and workplace financial education. Kristen is a Certified Credit Union Facilitator and a Certified Credit Union Financial Counselor. |
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.
FINANCIAL EDUCATION Interest Form
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.
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.
