Michigan Schools And Government Credit Union Saline MI | Low Mortgage Rates & Personal Loans

Introduction

Welcome to Michigan Schools And Government in Saline, where your financial well-being is our top priority! Located at 6983 E Michigan Ave, Saline, MI 48176, we have proudly served our community since 1954. With a commitment to providing excellent service and personalized banking solutions, we currently support over 152,000 members who trust us with their financial needs. At Michigan Schools And Government, we understand that everyone's financial journey is unique. That's why we offer a range of services tailored to meet the diverse needs of our members whether you're looking for auto loans, mortgages, or simple savings accounts. As of now, our total assets stand at an impressive $3,804,369,436, and our total deposits reach $40,804,012. This solid foundation allows us to offer competitive rates and flexible terms that help you achieve your financial goals. While you can visit us at our Saline branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 40400 Garfield Road, Clinton Township, MI 48038. Under the leadership of CEO Steve Brewer and Board President Douglas Smith, our dedicated team of 455 employees is here to assist you. We pride ourselves on being accessible; feel free to reach out to us at 586-263-8800 during our lobby hours: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Join us in building a brighter financial future together! Visit our website at msgcu.org or stop by today to learn more about how we can serve you better.

Branch History & Mission

Welcome to the story of Michigan Schools And Government, affectionately known as Saline. Established in 1954, our branch has proudly served the vibrant community of Saline, MI for nearly seven decades. Located at 6983 E Michigan Ave, we are not just a credit union; we are a cornerstone of this community, dedicated to empowering our members through exceptional financial services and unwavering support. Over the years, our journey has been marked by significant milestones that reflect our commitment to growth and community service. From humble beginnings, we've evolved into a robust institution with total assets amounting to an impressive $3,804,369,436 and a thriving membership base of 152,072 individuals. Our success stems from a deep-rooted mission: to provide accessible financial solutions while fostering community development and educational initiatives. At Michigan Schools And Government, we believe in the power of partnerships. We work closely with local schools and government organizations, ensuring that we meet the unique needs of our members. Our mission extends beyond banking; we aim to uplift our community by providing resources that help families thrive financially. Our operating hours are designed with your convenience in mind: Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. We also offer essential services such as ATM access and drive-thru banking for your ease. While you can visit us at our branch address for all your banking needs, please direct any official correspondence to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. As we continue to embrace digital advancements like online and mobile banking, we remain committed to making every interaction with us straightforward and user-friendly. Whether you're looking for personal loans, mortgage options, or business banking services, we have tailored solutions ready for you. Join us on this remarkable journey at Michigan Schools And Government, where your financial well-being is our top priority. Experience the difference of being part of a community-focused credit union that truly cares about its members. Visit us today or contact us at 586-263-8800 we can't wait to welcome you!

Branch Location & Accessibility

Welcome to the Michigan Schools And Government branch located at 6983 E Michigan Ave in Saline, MI! We pride ourselves on being a convenient and accessible destination for all your banking needs. Whether you're a long-time member or looking to join our community, our friendly staff is here to help. Nestled in Washtenaw County, our branch is easily reachable, making it simple for you to stop by during your day. If you're in the area, you might recognize us near popular local spots that add to the charm of Saline. With ample parking available, visiting us is hassle-free, and we are committed to providing accessible services for everyone, including ADA-compliant features. Our operating hours cater to your busy schedule: we're open Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. We know life can get hectic, so we aim to be available when you need us most. For added convenience, we offer both ATM access and drive-thru banking. This means you can handle quick transactions without leaving your car or enjoy seamless ATM services anytime. While members can visit us at 6983 E Michigan Ave Saline Mi 48176, official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. Have questions? Feel free to reach out at 586-263-8800. Our team is excited to assist you with personal banking options like checking and savings accounts, auto loans, mortgages, and more. We invite you to drop by and see how we can support your financial journey!

Member Eligibility

Joining the Michigan Schools And Government community is like stepping into a welcoming family where your financial well-being matters. To become a member, you'll need to meet some simple eligibility criteria. Generally, anyone who works in education or government in Michigan, along with their family members, can join us. This means if you're part of a school district, a state agency, or even a local government office, you're already on your way to becoming a member! For those curious about the specifics, feel free to check out our detailed eligibility information at http://www.msgcu.org/michigan-credit-union-membership . Opening an account with us is straightforward and designed for your convenience. Whether you want to manage your savings or apply for loans, we're here to assist you every step of the way. If you have questions or need more details on how to get started, don't hesitate to give us a call at (586) 263-8800. We look forward to welcoming you at our branch located at 6983 E Michigan Ave Saline Mi 48176, where you'll find support and resources tailored just for you!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a reliable partner who simplifies your daily operations. Our merchant services offer seamless payment processing, allowing you to focus on what matters most: running your business. From accepting card payments to managing transactions effortlessly, we're equipped to enhance your business efficiency. Located at 6983 E Michigan Ave Saline Mi 48176 in Saline, MI, our dedicated team is ready to discuss how we can help your business thrive. Reach out today at (586) 263-8800!

Tailored Business Loans

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.

Comprehensive List Of Services

Access & Convenience

We also provide essential ATM and cash withdrawal services along with basic drive-thru banking for quick transactions like deposits and withdrawals. Our commitment is to make banking as easy as possible for all our members in Saline and beyond. At Michigan Schools And Government, we're here not just as a financial institution but as your partner in navigating life's financial journeys. If you have questions about any of our services or want assistance setting up an account, please don't hesitate to reach out at 586-263-8800 or visit us at our branch location. Let us help you take control of your financial future today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options come with competitive rates and terms that can help you hit the road without breaking the bank. We understand that buying a car is an important decision, so we work closely with you to find the best solution for your budget.

Business Banking

If you're a business owner, you'll appreciate our robust business banking services, which include merchant services and business loans. We understand that running a business comes with its own set of challenges; that's why we're committed to providing the support you need to thrive.

Credit Cards

With our credit cards featuring rewards, you can earn while you spend. Enjoy benefits like cashback on purchases or travel points that can take you places literally! It's all part of how we strive to enhance your financial experience.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking features that let you manage your accounts anywhere at any time. From checking balances to transferring funds and even making person-to-person payments everything is just a few taps away.

Mortgage Solutions

For those ready to settle into their dream home, our mortgage loans and refinancing options make homeownership more accessible than ever. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Personal Banking

Our personal banking services are tailored to fit the lifestyle of our members. We offer checking and savings accounts that provide flexible options for managing your day-to-day finances. Need extra cash for a dream vacation? Our personal loans and debt consolidation services can help lighten your financial load, making it easier to achieve your goals.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our user-friendly mobile application allows you to check balances, make transfers, and pay bills with just a few taps on your phone. Whether you're on the go or relaxing at home, managing your money has never been simpler. Plus, with our mobile payments feature, paying for purchases is as easy as scanning your phone no cash or cards needed! For those who prefer a paperless approach, we offer electronic statements that keep your financial documents organized and accessible. You can easily view or download your e-statements right from the app or online portal. And if you ever need to sign documents quickly, our electronic signature authorization makes the process quick and hassle-free. Need to send money to friends or family? Our person-to-person transfer service allows you to send funds instantly without any fuss. This means you can settle up for dinner or share expenses in real-time.

Security You Can Trust

Security is paramount in our digital banking experience. We use advanced encryption technology to ensure that your personal information remains safe while accessing your accounts online. You can bank with confidence knowing that we have robust measures in place to protect your data. With all these features combined, Michigan Schools And Government not only offers a modern banking experience but also ensures that it's both accessible and user-friendly for everyone. So whether you're checking your balance at work or transferring funds while out shopping, our digital banking services put the power in your hands whenever you need it!

Financial Strength

Committed to Growth

Our $427,013,184 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $42,923 in used auto loans and $3,276,657,477 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Trust

We currently manage a total of 341,160 share and deposit accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $3,089,821, which further illustrates our capability to support your borrowing needs. 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 6983 E Michigan Ave Saline Mi 48176 or call (586) 263-8800 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $29,869,535 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. 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.

Secured Savings

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. We prioritize our members' needs by focusing our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Foundation

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.

Loan Offering

Auto Loans

Our auto loan offerings include both new and used vehicle financing. Whether you're eyeing the latest model or considering a reliable pre-owned option, we have competitive rates that make financing easy. With $85,846 in total auto loans issued, you can trust that we prioritize our members' needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $201,938,233, making buying or refinancing simple. We provide personalized assistance throughout the application process and can guide you through eligibility requirements to ensure you find the right fit for your situation.

Refinancing Options

If you're already carrying debt from other lenders or have an existing loan that could benefit from lower rates or better terms, consider our refinancing options. We make it straightforward to explore how refinancing could save you money over time. Our dedicated team at Michigan Schools And Government is here to assist you every step of the way. If you're interested in learning more about any of our loan offerings or would like to discuss your specific financial needs, please don't hesitate to reach out! You can contact us at 586-263-8800 or visit us at 6983 E Michigan Ave Saline MI 48176. For more insights into our performance and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore your options today and see how we can help you reach your financial dreams!

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We offer flexible terms on these cards with a total of $99,554,606 in loans helping members manage their finances effectively. This means you can handle unexpected costs without breaking your budget.

Loan Aggregator

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MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION