--- title: "Michigan Schools and Government Credit Union Rates - Michiga" description: "Current mortgage, vehicle loan, heloc, and savings & cd rates from Michigan Schools and Government Credit Union in Michigan. Updated daily with source verification. See who can join Michigan Schools and Government Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Michigan Schools and Government Credit Union Rates - Michiga ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **5/1 ARM** 5 1 arm | — APR | 5.875% | — | Standard | | **Jumbo Loan** other | — APR | 6.750% | — | Standard | | **FHA Mortgage** other | — APR | 7.000% | — | Standard | Michigan Schools and Government Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Car, Truck, or SUV Loan (24 - 36 months)** auto_any_36mo | — APR | 4.240% | 36 mo | Standard | | **Car, Truck, or SUV Loan (37 - 48 months)** auto_any_48mo | — APR | 4.740% | 48 mo | Standard | | **Car, Truck, or SUV Loan (49 - 63 months)** auto_any_63mo | — APR | 4.990% | 63 mo | Standard | | **Car, Truck, or SUV Loan (64 - 75 months)** auto_any_75mo | — APR | 5.240% | 75 mo | Standard | | **Car, Truck, or SUV Loan (76 - 84 months)** auto_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Up to 240-Month RV Loan** rv_any_240mo | — APR | 6.740% | 240 mo | Standard | | **Up to 144-Month RV Loan** rv_any_144mo | — APR | 6.740% | 144 mo | Standard | | **Up to 180-Month RV Loan** rv_any_180mo | — APR | 6.740% | 180 mo | Standard | | **Car, Truck, or SUV Loan (24 - 63 months)** auto_any_63mo | — APR | 8.490% | 63 mo | Standard | Michigan Schools and Government Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Fixed - 80% Loan-to-Value** heloc_fixed | — APR | 6.490% | — | Standard | | **Fixed - 90% Loan-to-Value** heloc_fixed | — APR | 6.740% | — | Standard | | **Variable - 80% Loan-to-Value** heloc_variable | — APR | 7.000% | — | Standard | | **Variable - 90% Loan-to-Value** heloc_variable | — APR | 7.750% | — | Standard | Michigan Schools and Government Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Certificate of Deposit (Regular and IRA CDs) (6 Months)** ira_cd_6mo | — APY | 2.50% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.50% | 6 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (3 Years)** ira_cd_36mo | — APY | 3.25% | 36 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (4 Years)** ira_cd_48mo | — APY | 3.25% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.25% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.25% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.50% | 60 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.50% | 12 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (12 Months)** ira_cd_12mo | — APY | 3.50% | 12 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (5 Years)** ira_cd_60mo | — APY | 3.50% | 60 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 4.50% | 9 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (9 Months)** ira_cd_9mo | — APY | 4.50% | 9 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (2 Years)** ira_cd_24mo | — APY | 4.65% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.65% | 24 mo | Standard | | **15 Months - New Money^** cd_15mo | — APY | 4.75% | 15 mo | Standard | | **Certificate of Deposit (Regular and IRA CDs) (15 Months - New Money^)** ira_cd_15mo | — APY | 4.75% | 15 mo | Standard | Michigan Schools and Government Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **10-Year U.S. Inflation: Average 1.9%** other | — % | 0.100% | — | Standard | Michigan Schools and Government Credit Union other rates as of November 12, 2026 Michigan Schools and Government Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) , verified from [Michigan Schools and Government Credit Union's official website](https://www.msgcu.org/) Loading branch locator… ## About Michigan Schools and Government Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 162.1K Assets $4.4B Founded 1954 Locations reported 24 NCUA charter 62049 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Genisys** 27 Clinton Twp · Clinton Township · MI · 48038-6922 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/genisys) [**DFCU Financial** DFCU - Clinton Township · Clinton Township · MI · 48038 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Credit Union One** CUO-Macomb · Macomb · MI · 48044-4084 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/credit-union-one) [**Cornerstone Community Financial** Macomb · Macomb · MI · 48044-4256 About 2.3 miles away](https://rateapi.dev/credit-unions/michigan/cornerstone-community-financial) [**Christian Financial** Clinton Township · Clinton Township · MI · 48036 About 2.3 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) [**Michigan Educational** MECU-Macomb · Macomb · MI · 48044-5023 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/michigan-educational) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Michigan Schools and Government Credit Union Membership eligibility from Michigan Schools and Government Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Michigan Schools and Government Credit Union's website. Check the membership page below to confirm whether you qualify. - Location macomb, oakland, washtenaw, wayne — MI Verified from [Michigan Schools and Government Credit Union's membership page](https://www.msgcu.org/scholarships/eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Michigan Schools and Government Credit Union Geography 4 counties 4 published paths to membership, last verified August 27, 2026, quoted from Michigan Schools and Government Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Macomb County, MI - Oakland County, MI - Washtenaw County, MI - Wayne County, MI “This scholarship is also open to students currently enrolled at a not-for-profit or private vocational skilled trades school located in Macomb, Oakland, Washtenaw, or Wayne County.” > [source ↗](https://www.msgcu.org/scholarships/eligibility) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Michigan Schools and Government Credit Union? Yes No ## Work at Michigan Schools and Government Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Michigan Schools and Government Credit Union ranks against Michigan peers. - See which AI assistants fetched Michigan Schools and Government Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=michigan-schools-and-government&state=michigan&code=MI&name=Michigan%20Schools%20and%20Government%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Michigan Schools and Government Credit Union offer? Michigan Schools and Government Credit Union currently offers mortgage, vehicle loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Michigan Schools and Government Credit Union rates updated? RateAPI verifies Michigan Schools and Government Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Michigan Schools and Government Credit Union's rate data? Rate data is collected directly from Michigan Schools and Government Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Michigan Schools and Government Credit Union? Michigan Schools and Government Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 4 counties for Michigan Schools and Government Credit Union, each quoted from Michigan Schools and Government Credit Union's own published membership criteria. ## Related Rate Data Compare Michigan Schools and Government Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.msgcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Michigan Schools and Government Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Michigan Schools and Government Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /michigan-schools-and-government " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Michigan Schools and Government Credit Union locations Search, filter, and browse all 24 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp