Michigan Schools And Government Credit Union Shelby Township MI

Introduction

Welcome to Michigan Schools And Government, located at 48945 Hayes Rd, Shelby Township, MI 48315. Established in 1954, our credit union has proudly served over 152,000 members, providing them with a strong foundation for their financial needs. With total assets of $3,804,369,436 and deposits totaling $40,804,012, we are committed to ensuring the financial well-being of our community. At Michigan Schools And Government, we believe in building lasting relationships with our members. Our dedicated team of 455 employees is here to offer personalized services tailored to your unique situation. Under the leadership of CEO Steve Brewer and Board President Douglas Smith, we strive to create an environment where you can feel secure and supported in your financial journey. Whether you need help with personal banking, auto loans, mortgage financing, or business banking solutions, our comprehensive range of services is designed with you in mind. While members can visit us at our branch on Hayes Road for all their banking needs, official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. We take pride in our strong financial health and community impact. With a net worth of $456,882,719 and cash reserves of $30,738,655, we are equipped to meet your banking needs now and into the future. Our commitment goes beyond numbers; it's about making a positive difference in the lives of our members. Ready to experience exceptional service? Visit us today or call us at 586-263-8800. We look forward to helping you achieve your financial goals!

Branch History & Mission

Community Commitment

Our commitment extends beyond just banking services; it's about building relationships within the community. We actively engage in outreach efforts and partnerships that uplift local organizations and schools. As a member-driven institution, we pride ourselves on being more than just a credit union we're a part of your community. Join us today at Michigan Schools And Government! Experience firsthand how we can help you manage your finances while working together towards a brighter future for all. Whether you're looking for personal banking solutions or want to learn more about membership eligibility, feel free to contact us at (586) 263-8800 or visit us online at msgcu.org. Together, let's take steps toward achieving your financial dreams!

Our Journey

From our humble beginnings, Michigan Schools And Government has evolved into a vital financial resource for educators, government employees, and their families. We started with the aim of offering affordable banking options and empowering our members to achieve their financial goals. Today, our branch is located at 48945 Hayes Rd, Shelby Township, MI 48315, making it easily accessible for all community members. As we moved forward through the years, we embraced technological advancements while maintaining our focus on personal service. Our operating hours are designed to fit your busy schedule: Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Whether you prefer visiting us in person or utilizing online banking services from the comfort of your home, we are here to support you.

Our Mission

At Michigan Schools And Government, our mission is simple yet powerful: to provide exceptional financial services while fostering community growth and well-being. We strive to empower our members with the tools they need for financial success offering everything from checking and savings accounts to auto loans and mortgages. We believe that by investing in our members' futures, we can contribute positively to the community at large. We also understand that accessibility matters. That's why we offer ATM availability and convenient drive-thru banking options for quick transactions on the go. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038.

Branch Location & Accessibility

Convenient Access

At our Hayes Road branch, you'll find ample parking and accessibility features, including ADA-compliant ramps, ensuring everyone can visit us comfortably. Whether you're stopping by for a quick transaction or a more in-depth discussion about your financial goals, we have you covered.

Get In Touch

If you have any questions or need assistance before your visit, feel free to call us at 586-263-8800. We look forward to welcoming you at the Michigan Schools and Government branch! Come discover how we can support your financial journey today!

Operating Hours

We want to make banking as convenient as possible for you! Our lobby hours are designed with your schedule 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're closed on Sundays so our team can recharge and come back ready to serve you better.

Services Offered

Our branch provides a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are here to help. Plus, with our drive-thru banking service available for deposits, withdrawals, and simple transactions, you can enjoy fast service without leaving your car. Need cash? Our ATM is also available on-site for your convenience. While you can visit us at the Hayes Road address for all your banking needs, please note that any official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038.

Member Eligibility

At Michigan Schools And Government, we believe that everyone deserves a financial partner who understands their unique needs. Becoming a member is straightforward and welcoming! To join our community, you simply need to meet certain eligibility criteria. If you live, work, or attend school in Michigan, you're likely eligible for membership. We also welcome family members of existing members. This means that by joining Michigan Schools And Government, you're not just gaining access to fantastic financial products and services; you're also becoming part of a supportive network dedicated to your financial well-being. Ready to take the next step? Opening an account at our branch located at 48945 Hayes Rd Shelby Township Mi 48315 is easy! You can start the process by visiting our website for more details on eligibility at http://www.msgcu.org/michigan-credit-union-membership . If you have any questions or need assistance, feel free to give us a call at (586) 263-8800. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Financing Your Growth

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 having a partner that simplifies payments and enhances customer satisfaction. Our merchant services are designed to streamline transactions, making it easy for your customers to pay while you focus on growing your business. From secure payment processing to easy access to funds, we provide the tools necessary for your success. Located conveniently at 48945 Hayes Rd Shelby Township Mi 48315 in Shelby Township, MI, we invite you to connect with us today at (586) 263-8800. Let's build a brighter future for your business together!

Comprehensive List Of Services

ATM & Drive-Thru Services

Our branch provides easy access with an ATM for cash withdrawals as well as basic drive-thru banking services for deposits and withdrawals. This means whether you're rushing out in the morning or coming back from work late, accessing your funds is hassle-free. We invite you to explore all these fantastic services and more at Michigan Schools And Government. Your financial wellness is our priority! Visit us at msgcu.org or stop by our branch today to learn more about how we can assist you in achieving your financial goals. Don't hesitate to call us at 586-263-8800 if you have any questions or need assistance!

Auto Loans & Financing

Thinking about getting a new car? We offer competitive auto loans and vehicle financing that can help put you in the driver's seat without straining your budget. With straightforward application processes and quick approvals, driving away in your dream vehicle is just a few steps away.

Business Banking Services

If you're a business owner, we understand how vital it is to have reliable financial support. Our business banking services, including merchant services and business loans, are designed to keep your operations running smoothly and efficiently.

Credit Cards with Rewards

Our credit cards with rewards provide not only purchasing power but also rewards on your everyday spending. Enjoy benefits like cashback or points towards travel while managing your expenses more effectively.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features so you can manage your accounts anytime, anywhere. From checking balances and transferring funds to making payments via mobile apps or person-to-person transactions everything you need is at your fingertips.

Home Financing

For those considering homeownership or refinancing their current mortgage, our mortgage loans come with various options that fit different budgets. Our knowledgeable staff will guide you through the process, ensuring you find the best rates available.

Personal Banking Solutions

Understanding that everyone's financial journey is unique, we offer personalized banking options. Our checking and savings accounts are designed for convenience and accessibility, allowing you to manage your money easily. If you're planning a big purchase or need extra cash flow, our personal loans and debt consolidation services provide flexible solutions tailored to your situation.

Digital & Online Banking

Key Features

Our online banking system is not just convenient; it's also user-friendly and secure. With features like electronic signature authorization, you can complete transactions without the need for paper signatures, making processes quicker and hassle-free. Plus, e-statements are available for those who prefer a paperless option, giving you instant access to your account statements right from your computer or mobile device. For those who love using their smartphones, our mobile application is available to help you manage your accounts with just a few taps. It supports mobile payments, so you can make purchases easily without carrying cash or cards. Need to send money to a friend? Our person-to-person transfer feature makes it simple to send funds directly from your account in real time.

Security and Accessibility

Your security is our priority. All transactions made through our digital platforms are protected with robust encryption technology, ensuring that your personal information remains safe. We strive to make banking accessible and straightforward for everyone. Whether you're checking balances, transferring funds, or paying bills, you'll find our online services intuitive and efficient. In summary, with Michigan Schools And Government, you get more than just basic banking; you receive a comprehensive suite of digital tools that empower you to manage your finances on your terms. Experience the ease of modern banking today!

Financial Strength

Commitment to Growth

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 lending capacity is evident with $42,923 in used auto loans and $3,276,657,477 in total loans and leases. This robust support helps our members reach their financial goals across various sectors.

Growing Member Base

Total Share Accounts: 341,160, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,089,821 underline our commitment to being a safe haven for your money. 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 48945 Hayes Rd Shelby Township Mi 48315 or call (586) 263-8800 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

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.

Solid Financial 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

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. We provide flexible terms and competitive interest rates that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $142,426,080 provide the capital needed to grow and expand your business. We understand the challenges small businesses face and are committed to providing financial support tailored to your needs. At Michigan Schools And Government located at 48945 Hayes Rd Shelby Township Mi 48315, our dedicated team is here to guide you through each step of the loan process. If you're interested in exploring eligibility options or have questions about our services, please don't hesitate to reach out at 586-263-8800. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can assist you in reaching your financial aspirations!

Mortgage Loans

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 also have refinancing options available to help you lower your monthly payments or access equity in your home.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $99,554,606 helping members manage their finances effectively. Enjoy the convenience and flexibility of using credit for purchases without tying it to collateral.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers, as all participating lenders are verified and regulated.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency for users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best available options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make decisions based on current market conditions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in delivering tangible savings and peace of mind. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION