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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Michigan Schools And Government Credit Union Rates & Review April 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.
Read Full Bio →
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: April 12, 2026
Michigan Schools And Government Credit Union's 9-Month CD rates are at 4.10%, 2 Years 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 10 Year Fixed-Rate Mortgage rates are at 5.50%, Fixed-Rate Mortgage 10 Year rates are at 5.50%, 15 Year Fixed-Rate Mortgage rates are at 5.75%, Fixed-Rate Mortgage 15 Year rates are at 5.75%, 20 Year Fixed-Rate Mortgage rates are at 5.88%. Michigan Schools And Government Credit Union's Personal Loan Rates are at 4.99%. 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 3.83%. Rates were last updated on 04/12/2026. 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
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
459
Part-Time Employees
16
Branch Locations
29
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.83%
Return on Assets (ROA)
0.8697%
Return on Equity (ROE)
7.0526%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
4,166,423,140
Total Amount of Shares and Deposits
3,423,206,317
Total Shares and Deposits < 1 Year
3,060,428,612
Total Shares and Deposits 1 3 Years
335,573,882
Total Shares and Deposits > 3 Years
27,203,823
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
410,551,410
Total Uninsured Shares and Deposits > $250K (F+J)
410,551,410
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,012,654,907
Total Interest Expense (Sum of items 6 8)
69,962,039
Share Certificates
39,730
Number of Accounts for Share Drafts
85,744
IRA KEOGH Accounts
10,322
Number of Accounts for Regular Shares
175,497
All other shares
752
Money Market Shares
44,031
Net Income (unless the amount is already included in Undivided Earnings)
36,235,575
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,149,282
Total Liabilities
3,654,817,651
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Michigan Schools And Government Credit UnionIs Michigan Schools And Government Credit Union a safe place to deposit money?Yes, Michigan Schools And Government Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8344543388303%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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