Michigan Schools And Government Credit Union Saint Clair Shores MI

Introduction

Welcome to Michigan Schools And Government, your trusted financial partner in the heart of Saint Clair Shores, MI. Located at 24515 Little Mack Ave, our branch is committed to serving over 152,000 members with personalized banking solutions tailored to meet your needs. Since our establishment in 1954, we have grown to manage impressive assets totaling $3,804,369,436, ensuring that your money is secure and well-managed. At Michigan Schools And Government, we pride ourselves on being more than just a credit union; we are a community-focused organization dedicated to supporting our members and local initiatives. With total deposits of $40,804,012 and a net worth of $456,882,719, we have the resources and stability to provide you with a wide range of financial products, including auto loans, mortgages, personal loans, and business banking services. Our leadership team, led by CEO Steve Brewer and Board President Douglas Smith, embodies our commitment to excellence. Together with a dedicated staff of 455 employees, we strive to create an atmosphere of trust and reliability for all our members. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. We invite you to explore the many services we offer through our website at msgcu.org. Whether you're looking for assistance with personal banking or seeking financial advice for your business, we are here to help. Don't hesitate to reach out! Call us at 586-263-8800 or visit us today. Your journey toward financial wellness starts here!

Branch History & Mission

Community Engagement

Our role as a credit union transcends banking; it's about building relationships within our community. We actively participate in local events and initiatives aimed at enhancing the quality of life for residents of Saint Clair Shores and beyond. By partnering with educational institutions and non-profits, we strive to create lasting impacts that resonate within the lives of our members. As you explore what Michigan Schools And Government has to offer, we invite you to experience firsthand how we can help you achieve your financial goals. Join us today and become part of a community committed to mutual support and prosperity. Whether you're looking for a loan or want advice on managing your finances better, we're here for you every step of the way. For inquiries or assistance, feel free to reach out at 586-263-8800 during our operating hours: Monday through Wednesday from 9 AM - 5 PM; Thursday and Friday from 9 AM - 6 PM; Saturday from 9 AM - 1 PM; closed on Sundays. Together, let's build a brighter future!

Our Journey

Founded to support the needs of educators and government employees, our branch at 24515 Little Mack Ave has blossomed into a vibrant hub for all individuals seeking reliable financial services. Over the years, we have expanded our offerings, ensuring that every member finds solutions tailored to their unique needs. From personal banking services like checking and savings accounts to auto loans, mortgages, and business financing, we continue to adapt to the changing landscape while remaining true to our roots. While visiting us at our branch address, you may notice nearby landmarks that connect us to the community we cherish. We are situated close to local schools and community centers, reinforcing our mission to uplift those we serve. For official correspondence, please send your mail to 40400 Garfield Road, Clinton Township, MI 48038.

Our Mission

At Michigan Schools And Government, our mission is clear: We aim to empower our members through exceptional financial services while supporting the communities we serve. We believe in providing not just products but also education and resources that foster financial well-being. Our dedication goes beyond transactions; it extends into outreach programs and partnerships that strengthen local initiatives. In an age where technology meets tradition, we've embraced digital advancements while maintaining a personal touch. Whether it's through online banking or mobile payments, our commitment remains focused on making banking accessible for everyone. Additionally, with an ADA-compliant facility equipped with an ATM and drive-thru service, we ensure that every member can easily access their finances.

Branch Location & Accessibility

Accessibility Features

At our branch, we prioritize accessibility for all members. Our building is equipped with ADA-compliant features, ensuring that everyone can navigate easily. Whether you're visiting us for a quick transaction or a more in-depth consultation, we have ample parking available right outside our doors.

Banking Services

When you step into our branch, you'll be greeted by friendly staff ready to assist you with a variety of services. From personal checking and savings accounts to auto loans and mortgage refinancing options, we have financial solutions tailored just for you. Plus, enjoy the convenience of our drive-thru service for quick transactions without leaving your vehicle. If you ever need cash on the go, we offer ATM access right here at the branch for easy withdrawals and balance checks. While members can visit us at 24515 Little Mack Ave Saint Clair Shores Mi 48080, official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. We invite you to stop by or give us a call at (586) 263-8800 if you have any questions or would like more information about how we can help meet your financial needs. At Michigan Schools And Government, we're committed to serving our community with care and convenience!

Operating Hours

We know your time is valuable, so we've tailored our hours to suit your schedule. Our lobby is open from 9:00 am to 5:00 pm Monday through Wednesday, extending to 6:00 pm on Thursday and Friday for those who need a little extra time during the week. On Saturdays, we're here from 9:00 am to 1:00 pm to accommodate your weekend banking needs. We are closed on Sundays.

Member Eligibility

Becoming a member of Michigan Schools And Government is like joining a caring community that values your financial well-being. If you live, work, or go to school in the state of Michigan, you're already on the right track! We welcome individuals from various backgrounds and professions, making it easy for anyone to become part of our family. To learn more about specific eligibility requirements, feel free to check out the details at http://www.msgcu.org/michigan-credit-union-membership . Once you see how simple it is, you can open an account online or visit us at our branch located at 24515 Little Mack Ave Saint Clair Shores Mi 48080. Our friendly team is here to guide you through every step of the process. If you have any questions or need assistance, don't hesitate to call us at (586) 263-8800. Join us today and experience the many benefits that come with being a member of Michigan Schools And Government!

Business Banking & Commercial Services

Commercial Loans for Every Stage

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $272 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $238 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $142,426,080, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine the ease of managing transactions smoothly while focusing on what you do best running your business. Our merchant services simplify payment processing, making it easy for your customers to pay by card or online. This means quicker sales and happier customers, giving you more time to grow your business. Explore how Michigan Schools And Government, located at 24515 Little Mack Ave Saint Clair Shores Mi 48080, can be your partner in success. Call us at (586) 263-8800 or visit us today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans offer competitive rates and flexible terms that can help you get behind the wheel sooner than you think. We understand how important it is for you to have reliable transportation, which is why we work hard to provide financing that suits your budget.

Business Banking Services

If you're a business owner in Saint Clair Shores, our business banking solutions can support your entrepreneurial journey. From merchant services to business loans, we are committed to helping local businesses thrive in our community.

Convenient Banking Options

We understand that convenience is key in today's busy world. That's why we offer ATM and cash withdrawal services along with basic drive-thru banking for simple transactions. You can easily deposit money or check your balance without stepping inside the branch.

Credit Cards with Rewards

For those who love earning rewards while spending, our credit cards are an excellent choice. Enjoy cashback offers or points redeemable for travel and merchandise all while building your credit history.

Get Started Today!

With all these services available at Michigan Schools And Government, there's no better time to take control of your financial future. Visit us at 24515 Little Mack Ave Saint Clair Shores Mi 48080 in Saint Clair Shores, or give us a call at (586) 263-8800 to learn more about how we can assist you today! Explore our website at Shores for additional information or to start an application online!

Home Financing

If you're considering buying a home or refinancing your existing mortgage, we've got you covered. Our mortgage loans come with various options tailored to meet different needs. Picture yourself settling into your dream home while enjoying manageable monthly payments that fit within your budget.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed to fit your lifestyle. Imagine having easy access to your funds through online and mobile banking, allowing you to manage your finances anytime, anywhere. With features like e-statements and mobile payments, staying on top of your finances has never been simpler.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at us, but our personal loans can help ease the burden. Whether it's for medical bills, home improvements, or debt consolidation, we're here to provide the financial assistance you need when it matters most.

Digital & Online Banking

Key Services

Our online banking platform allows you to perform various transactions with just a few clicks. Whether you want to check your balance, transfer funds, or pay bills, it's all possible in one secure location. Plus, if you prefer paperless statements, our e-statements feature makes it simple to stay organized while helping the environment. For those on the go, our mobile application provides easy access to all your banking needs right from your smartphone. Enjoy the convenience of mobile payments, making it quick and hassle-free to pay for purchases without needing cash or cards. You can also send money directly to friends and family through our person-to-person transfer service perfect for splitting bills or sending gifts.

Security and Accessibility

Security is always at the forefront of our digital services. We utilize electronic signature authorization to ensure that your transactions are safe and secure. Our platform is user-friendly, making it easy for everyone from tech-savvy users to those new to online banking to navigate their accounts confidently. With real-time account management features, you'll always be in control of your finances. Need assistance? Our dedicated member services team is just a call away at (586) 263-8800 during our lobby hours. Experience the ease of digital banking with Michigan Schools And Government today! Visit us online at https://www.msgcu.org/ to learn more about how we can help you manage your money more effectively.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Michigan Schools And Government is your trusted partner. Visit us at 24515 Little Mack Ave Saint Clair Shores Mi 48080 or call (586) 263-8800 to learn more about how we can help you achieve your financial goals.

Dedicated Team Ready to Serve

We also take pride in having 435 full-time employees and 20 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedicated workforce is here to assist you every step of the way as you navigate your financial journey.

Member Savings and Investments

Members' savings are secured through $1,459,862,916 in share certificates and $940,716,068 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Improvement

With $427,013,184 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to reinvesting helps us continually improve your banking experience.

Strong Financial Health

With a net worth of $456,882,719, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,201 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

We understand that securing loans is important for our members' financial goals. With $42,923 in used auto loans and $3,276,657,477 in total loans and leases, our lending capacity supports your ambitions across various sectors. Additionally, our $29,869,535 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Financing Solutions

If you're a business owner, our outstanding commercial loans totaling $142,426,080 provide the capital needed to grow and expand your business operations. We also have refinancing options available for many of our loan products to ensure you can take advantage of better rates and terms as they become available. At Michigan Schools And Government, we strive to make financing straightforward and accessible for everyone. To learn more about our loan offerings or to check your eligibility, please call us at (586) 263-8800 or visit us at 24515 Little Mack Ave Saint Clair Shores Mi 48080 in Saint Clair Shores, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us be your partner in achieving financial success!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $741,169,654 in used vehicle loans and $186,772,510 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used vehicle, our auto loans are tailored to meet your needs.

Credit Lines and Unsecured Loans

For those who want flexibility, we offer total credit lines amounting to $872,000,000, providing you with the purchasing power you need when unexpected expenses arise. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $99,554,606 helping members manage their finances effectively.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $201,938,233, make buying or refinancing simple. We're here to guide you through every step of the process so that you can feel confident in your investment.

Loan Aggregator

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MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION