What are the current interest rates at Michigan Schools And Government Credit Union?

Current rates for Michigan Schools And Government Credit Union include: 12-Month CD: 1.75%, 24-Month CD: 2.25%, Savings: 2.15%, MMA: 0.40%

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Michigan Schools And Government Credit Union

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Michigan Schools And Government Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Michigan Schools And Government Credit Union's top rates as of October 9, 2026 are 4.55% APY on its 15-month CD, 2.15% APY on savings, 0.40% APY on money market accounts, 6.38% on its 5-Year Adjustable-Rate Mortgage, personal loans from 9.99% APR, and credit cards from 9.75% APR, according to rates verified by MonitorBankRates. Other Michigan Schools And Government Credit Union CD rates include 2 Year Grow-With-Me CD at 2.25%, 1 Year Grow-With-Me CD at 1.75%, and 6 Month Grow-With-Me CD at 1.50%. Other Michigan Schools And Government Credit Union mortgage rates include 7-Year Adjustable-Rate Mortgage at 6.62%. 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 3.99%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Michigan Schools And Government Credit Union
Main

40400 Garfield Rd
Clinton Township, MI 48038-4004

https://www.msgcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Michigan Schools And Government Credit Union CD Rates

Product	Rate	APY	Term
15-month CD	-	4.55%	15 months
Details Investment Rates Apply Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.55% ▲ 0.30 pts · high 4.55% / low 4.25% Sep 22, 20264.55%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
2 Year Grow-With-Me CD	2.23%	2.25%	2 Years
Min Balance $250 Details APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. 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. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
1 Year Grow-With-Me CD	1.74%	1.75%	1 Year
Min Balance $250 Details APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. 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. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
6 Month Grow-With-Me CD	1.49%	1.50%	6 Months
Min Balance $250 Details APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. 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. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Savings Rates

Product	Rate	APY
Gold Savings Account	2.13%	2.15%
Min Balance $200,000 Details Balance: $200,000 and higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Gold Savings Account	2.03%	2.05%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Gold Savings Account	1.44%	1.45%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Gold Savings Account	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Silver Savings Account	0.80%	0.80%
Min Balance $40,000 Details Balance: $40,000 and higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Silver Savings Account	0.65%	0.65%
Min Balance $20,000 Details Balance: $20,000 - $39,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Silver Savings Account	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Silver Savings Account	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Silver Savings Account	0.35%	0.35%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Health Savings Account	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Holiday Club Account	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Regular Savings Account	0.15%	0.15%
Min Balance $5 Details Balance: $5 Minimum Balance Required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
You-Name-It Savings Account	0.15%	0.15%
Details APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. No Minimum Balance Required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Gold Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: Under $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Silver Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: Under $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Checking Rates

Product	Rate	APY
Money Market Checking Account	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000 and higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Money Market Checking Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $4,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Money Market Checking Account	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000 - $7,499 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Money Market Checking Account	0.20%	0.20%
Min Balance $7,500 Details Balance: $7,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Money Market Checking Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5-Year Adjustable-Rate Mortgage	6.375%	-	6.991%	30 years
Details Initial interest rate remains in place for the initial fixed period, and then adjusts annually. The interest on this mortgage can change after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.62% → 6.99% ▲ 0.37 pts · high 7.07% / low 6.62% Oct 9, 20266.99%▼ from 7.07% Oct 2, 20267.07%▲ from 7.07% Sep 29, 20267.07%▲ from 6.80% Sep 22, 20266.80%▲ from 6.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
7-Year Adjustable-Rate Mortgage	6.625%	-	7.019%	30 years
Details Initial interest rate remains in place for the initial fixed period, and then adjusts annually. The interest on this mortgage can change after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.64% → 7.02% ▲ 0.38 pts · high 7.12% / low 6.64% Oct 9, 20267.02%▼ from 7.12% Oct 2, 20267.12%▲ from 7.11% Sep 29, 20267.11%▲ from 6.84% Sep 22, 20266.84%▲ from 6.83% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed - 80% Loan-to-Value	-	-	6.49%	1-5 Years
Details Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Fixed - 90% Loan-to-Value	-	-	6.74%	1-5 Years
Details Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
HELOC - Variable - 80% Loan-to-Value	-	-	7.00%	10 years
Details Term: 10-year draw period; 15-year repayment; Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. Minimum initial credit advance required based on credit limit. $75 annual fee may apply. Michigan properties only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Interest-Only Home Equity Line of Credit (IO-HELOC) - Variable - 80% Loan-to-Value	-	-	7.00%	10 years
Details Term: 10-year draw period; 15-year repayment; Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. No initial credit advance required. No annual fee. Interest calculated on current balance only. Interest-only payments are not applied to loan principal. Michigan properties only. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Fixed - 80% Loan-to-Value	-	-	7.24%	6-10 Years
Details Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Fixed - 90% Loan-to-Value	-	-	7.49%	6-10 Years
Details Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Fixed - 80% Loan-to-Value	-	-	7.74%	11-15 Years
Details Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
HELOC - Variable - 90% Loan-to-Value	-	-	7.75%	10 years
Details Term: 10-year draw period; 15-year repayment; Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. Minimum initial credit advance required based on credit limit. $75 annual fee may apply. Michigan properties only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Home Equity Fixed - 90% Loan-to-Value	-	-	7.99%	11-15 Years
Details Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Interest-Only Home Equity Line of Credit (IO-HELOC) - Variable - 90% Loan-to-Value	-	-	8.00%	10 years
Details Term: 10-year draw period; 15-year repayment; Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. No initial credit advance required. No annual fee. Interest calculated on current balance only. Interest-only payments are not applied to loan principal. Michigan properties only. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.24%
Details As low as; Loan Rates Apply Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 9.75% → 4.24% ▼ 5.51 pts · high 9.75% / low 3.99% Oct 9, 20264.24%▲ from 3.99% Sep 22, 20263.99%▼ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2021 & Newer	-	-	4.24%	24 - 36 months
Details Model Years: 2021 & Newer; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2021 & Newer	-	-	4.74%	37 - 48 months
Details Model Years: 2021 & Newer; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2016 - 2020	-	-	4.99%	24 - 36 months
Details Model Years: 2016 - 2020; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2021 & Newer	-	-	4.99%	49 - 63 months
Details Model Years: 2021 & Newer; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2021 & Newer	-	-	5.24%	64 - 75 months
Details Model Years: 2021 & Newer; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2016 - 2020	-	-	5.49%	37 - 48 months
Details Model Years: 2016 - 2020; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2021 & Newer	-	-	5.49%	76 - 84 months
Details Model Years: 2021 & Newer; Offer requires Automatic Loan Payment transfer. New money only. 76-84 month loans require a minimum of $20,000 to finance. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2016 - 2020	-	-	5.74%	49 - 63 months
Details Model Years: 2016 - 2020; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2016 - 2020	-	-	5.99%	64 - 75 months
Details Model Years: 2016 - 2020; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2016 - 2020	-	-	6.24%	76 - 84 months
Details Model Years: 2016 - 2020; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Car, Truck, or SUV Loan - 2015 & Older	-	-	8.49%	24 - 63 months
Details Model Years: 2015 & Older; Offer requires Automatic Loan Payment transfer. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Powersports Loan	-	6.64%	Up to 84 Months
Details Loan Amount: Up to $10,000; Offer requires Automatic Loan Payment transfer. Loan terms up to 144 months, depending on amount financed. Loan to Value up to 135%. APR may be higher, based on amount financed, term of loan, and credit score. New money only. Rates are subject to change at any time. Same-day approval on most Powersport applications. Contact Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Marine Loan	-	6.74%	Up to 240 Months
Details New money only. Offer requires Automatic Loan Payment transfer. Marine Survey may be required. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Marine Loan	-	6.74%	Up to 180 Months
Details New money only. Offer requires Automatic Loan Payment transfer. Marine Survey may be required. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Marine Loan	-	6.74%	Up to 144 Months
Details New money only. Offer requires Automatic Loan Payment transfer. Marine Survey may be required. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Powersports Loan	-	6.74%	Up to 120 Months
Details Loan Amount: Between $10,000 and $29,999; Offer requires Automatic Loan Payment transfer. Loan terms up to 144 months, depending on amount financed. Loan to Value up to 135%. APR may be higher, based on amount financed, term of loan, and credit score. New money only. Rates are subject to change at any time. Same-day approval on most Powersport applications. Contact Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
RV Loan - 5th Wheels, Trailers, Campers	-	6.74%	Up to 240 Months
Details Loan Amount: $50,000 and Over; Offer requires Automatic Loan Payment transfer. New money only. Rates are subject to change at any time. Same-day approval on most RV applications. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
RV Loan - 5th Wheels, Trailers, Campers	-	6.74%	Up to 180 Months
Details Loan Amount: Between $25,000 - $49,999; Offer requires Automatic Loan Payment transfer. New money only. Rates are subject to change at any time. Same-day approval on most RV applications. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
RV Loan - 5th Wheels, Trailers, Campers	-	6.74%	Up to 144 Months
Details Loan Amount: Up to $24,999; Offer requires Automatic Loan Payment transfer. New money only. Rates are subject to change at any time. Same-day approval on most RV applications. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Powersports Loan	-	6.99%	Up to 144 Months
Details Loan Amount: $30,000 and Over; Offer requires Automatic Loan Payment transfer. Loan terms up to 144 months, depending on amount financed. Loan to Value up to 135%. APR may be higher, based on amount financed, term of loan, and credit score. New money only. Rates are subject to change at any time. Same-day approval on most Powersport applications. Contact Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Credit Card Rates

Product	Rate	APR
Titanium Visa	-	9.75%
Details Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. See MSGCU Representative for details. Review complete rates and terms. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Visa Cards	-	9.75%
Details As low as; Loan Rates Apply Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Classic Visa	-	12.75%
Details Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. See MSGCU Representative for details. Review complete rates and terms. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Youth Classic Visa	-	12.75%
Details Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. See MSGCU Representative for details. Review complete rates and terms. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
MSGCU Rewards Visa	-	13.00%
Details As low as; Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. See MSGCU Representative for details. Review complete rates and terms. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 9, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Personal Loan Rates

Product	APR	Term
Personal Signature Loan - Fixed	9.99%	Up to 36 Months
Details As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Personal Signature Loan - Fixed	10.74%	Up to 60 Months
Details As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Personal Line of Credit (Instant Credit)	11.00%
Details Variable; Maximum APR is 18.00%. Contact Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%
Personal Signature Loan - Fixed	11.99%	Up to 72 months
Details As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Michigan Schools And Government Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Member Fast Cash - Life Event Loan	-	-	20.40%	6 - 42 Months
Details Health care/injury, pet emergency, home repair, auto repair; Example: A loan amount of $2,250 with a rate of 21.006% APR for 30 months would have an approximate monthly payment of $95.37.; Borrower must be a member for at least three months. All loans subject to approval. Rates are subject to change at any time. Contact a Member Service Representative for more details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 20.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.99%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Michigan Schools And Government Credit Union’s Texas Ratio rose from 2.61% in Q3 2023 to 3.99% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.4B	3.99%	5.0	A+
March 31, 2026	$4.4B	2.53%	5.0	A+
December 31, 2025	$4.3B	4.29%	5.0	A+
September 30, 2025	$4.2B	3.69%	5.0	A+
June 30, 2025	$4.1B	3.95%	5.0	A+
March 31, 2025	$4.0B	2.94%	5.0	A+
December 31, 2024	$3.9B	4.33%	5.0	A+
September 30, 2024	$3.8B	3.61%	5.0	A+
June 30, 2024	$3.7B	3.67%	5.0	A+
March 31, 2024	$3.7B	2.15%	5.0	A+
December 31, 2023	$3.6B	3.11%	5.0	A+
September 30, 2023	$3.5B	2.61%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 469

Part-Time Employees 18

Branch Locations 30

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.99%

Return on Assets (ROA)

0.7326%

Return on Equity (ROE)

5.8022%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

4,410,506,964

Total Amount of Shares and Deposits

3,691,707,362

Total Shares and Deposits < 1 Year

3,323,796,340

Total Shares and Deposits 1 3 Years

339,638,800

Total Shares and Deposits > 3 Years

28,272,222

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

458,348,198

Total Uninsured Shares and Deposits > $250K (F+J)

458,348,198

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,233,359,164

Total Interest Expense (Sum of items 6 8)

47,662,045

Share Certificates

40,526

Number of Accounts for Share Drafts

88,478

IRA KEOGH Accounts

10,144

Number of Accounts for Regular Shares

178,976

All other shares

770

Money Market Shares

45,668

Net Income (unless the amount is already included in Undivided Earnings)

32,313,086

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)

34,161,577

Total Liabilities

3,855,783,912

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Michigan Schools And Government Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Michigan Schools And Government Credit Union

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

12-Month CD1.75%
24-Month CD2.25%
Savings2.15%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

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Michigan Schools And Government Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Michigan Schools And Government Credit Union Texas Ratio

Michigan Schools And Government Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Michigan Schools And Government Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Michigan Schools And Government Credit Union

How many branches does Michigan Schools And Government Credit Union operate?

Is a member application needed to join Michigan Schools And Government Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Michigan Schools And Government Credit Union offer online and mobile banking?

Current Michigan Schools And Government Credit Union Rates

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