At Michigan Schools and Government Credit Union (MSGCU), we promote the financial well-being of our members, through a system that is member-owned, volunteer-directed, and not-for-profit. You are empowered to set yourself on the right path to financial success through the business you do with us. Unlike a bank, we exist solely to serve our members, not to pay high dividends to an outside group of stockholders. Our income is returned to our members through competitive savings rates and low loan rates.When you become a member of MSGCU, you begin saving money right away by borrowing from us at low interest rates. You’ll earn more money-sometimes four times more-on the funds you save at the Credit Union and see lower fees than those charged by banks for fee-based services.