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 Michigan Schools And Government Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Michigan Schools And Government Credit Union's 15-month CD rates are at 4.55%, 2 Year Grow-With-Me CD rates are at 2.25%, 1 Year Grow-With-Me CD rates are at 1.75%, 6 Month Grow-With-Me CD rates are at 1.50%. Michigan Schools And Government Credit Union's savings rates are at 0.10%. Michigan Schools And Government Credit Union's money market rates are at 0.20%. Michigan Schools And Government Credit Union's 5-Year Adjustable-Rate Mortgage rates are at 6.25%, 7-Year Adjustable-Rate Mortgage rates are at 6.50%. Michigan Schools And Government Credit Union's Personal Loan Rates are as low as 9.99%. Michigan Schools And Government Credit Union's Credit Card Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Michigan Schools And Government Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.53%. Rates last updated and verified on 09/22/2026. Michigan Schools And Government Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Michigan Schools And Government Credit Union? Share your experience about Michigan Schools And Government Credit Union by leaving a review below, or read customer reviews before you decide to use Michigan Schools And Government Credit Union. Michigan Schools And Government Credit Union
Main 40400 Garfield Rd
https://www.msgcu.org Clinton Township, MI 48038-4004 
Michigan Schools And Government Credit Union CD Rates
Michigan Schools And Government Credit Union Savings Rates
Michigan Schools And Government Credit Union Checking Rates
Michigan Schools And Government Credit Union Mortgage Rates
Michigan Schools And Government Credit Union Home Equity & HELOC
Michigan Schools And Government Credit Union Auto Loan Rates
Michigan Schools And Government Credit Union RV, Boat and Powersport Loan Rates
Michigan Schools And Government Credit Union Credit Card Rates
Michigan Schools And Government Credit Union Personal Loan Rates
Financial Health HistoryMichigan Schools And Government Credit Union’s Texas Ratio stayed near 2.21% in Q2 2023 to 2.53% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Michigan Schools And Government Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Michigan Schools And Government Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Michigan Schools And Government Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Michigan Schools And Government Credit Union
Website
https://www.msgcu.org
Address
40400 Garfield Rd,
Clinton Township, MI 48038-4004
Phone
586-263-8800
Fax
586-263-8285
President
Douglas Smith
CEO
Steve Brewer
Full-Time Employees
468
Part-Time Employees
17
Branch Locations
30
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.53%
Return on Assets (ROA)
0.1855%
Return on Equity (ROE)
1.5207%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
4,366,531,649
Total Amount of Shares and Deposits
3,671,757,660
Total Shares and Deposits < 1 Year
3,312,710,076
Total Shares and Deposits 1 3 Years
330,880,780
Total Shares and Deposits > 3 Years
28,166,804
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
459,584,169
Total Uninsured Shares and Deposits > $250K (F+J)
459,584,169
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,212,173,491
Total Interest Expense (Sum of items 6 8)
23,830,857
Share Certificates
41,626
Number of Accounts for Share Drafts
87,567
IRA KEOGH Accounts
10,240
Number of Accounts for Regular Shares
177,591
All other shares
767
Money Market Shares
45,071
Net Income (unless the amount is already included in Undivided Earnings)
8,100,616
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
111,282,580
Total Liabilities
3,836,021,067
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Michigan Schools And Government Credit UnionHow many branches does Michigan Schools And Government Credit Union operate?Michigan Schools And Government Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Michigan Schools And Government Credit Union?Yes, to access services at Michigan Schools And Government Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Michigan Schools And Government Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Michigan Schools And Government Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Michigan Schools And Government Credit Union offer online and mobile banking?Most modern institutions like Michigan Schools And Government Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.msgcu.org. Current Michigan Schools And Government Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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