Michigan Schools And Government Credit Union Sterling Heights MI

Introduction

Welcome to Michigan Schools And Government, your trusted credit union located at 2356 Metropolitan Pkwy, Sterling Heights, MI 48310. Established in 1954, we have proudly served our community for decades, helping over 152,000 members achieve their financial dreams. At Michigan Schools And Government, we understand the importance of reliable banking services that cater to your unique needs. With a solid foundation and a commitment to excellence, our total assets stand at an impressive $3,804,369,436. We are dedicated to fostering financial wellness by offering a wide range of products, including personal banking, auto loans, mortgage financing, and business services. Our members enjoy the security of knowing that their deposits total $40,804,012 and our net worth is a robust $456,882,719. Our team is led by CEO Steve Brewer and Board President Douglas Smith, who are committed to ensuring that every member feels valued and supported. With 455 employees ready to assist you and enhance your banking experience, we pride ourselves on being more than just a financial institution; we are a vital part of your community. While members can visit us at our branch address for all their banking needs, official correspondence should be directed to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. Explore our services today at msgcu.org or give us a call at 586-263-8800. Whether you're looking for loans or savings options tailored just for you, we're here to help guide you toward a brighter financial future!

Branch History & Mission

Welcome to Michigan Schools And Government, a cornerstone of community support in Sterling Heights, MI. Founded in 1954, our branch has a rich history dedicated to serving members with honesty, integrity, and compassion. Over the decades, we have proudly grown alongside our community, fostering financial wellness and empowering individuals and families. Located at 2356 Metropolitan Pkwy, Sterling Heights, MI 48310, our branch is easily accessible for all members. Our commitment to service extends beyond the walls of our branch; we are here for you whether you visit us in person or connect with us through our online services. While members can visit us at this address, official correspondence should be sent to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. As of today, we proudly serve over 152,000 members and manage assets totaling $3,804,369,436. This growth is a testament to the trust that our community places in us and our unwavering dedication to providing exceptional financial services. Our mission is clear: we strive to offer a variety of personal banking solutions while being an active participant in community development. From checking and savings accounts to auto loans and mortgage refinancing, we aim to meet your financial needs effectively. Our operating hours are designed with your convenience in mind: 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. We also offer both ATM access and drive-thru banking services for quick transactions. At Michigan Schools And Government, we believe in making banking accessible for everyone. Our commitment includes ensuring ADA compliance across all our facilities and providing innovative digital solutions such as online banking and mobile payments. We understand that every member's needs are unique; thus, we continually work on enhancing our services while maintaining a personal touch. Community outreach is at the heart of what we do. We partner with local organizations to support educational initiatives and provide financial literacy programs that empower individuals to make informed decisions about their money. We take pride in being more than just a credit union; we're a partner in building stronger communities. Join us at Michigan Schools And Government today! Experience firsthand how our dedication can help you achieve your financial goals while also contributing positively to the Sterling Heights community. We invite you to become part of our family let's grow together! For more information or to get started on your journey with us, call us at 586-263-8800 or visit us online at msgcu.org.

Branch Location & Accessibility

Welcome to Michigan Schools And Government, your friendly neighborhood credit union located at 2356 Metropolitan Pkwy in Sterling Heights, MI. Our branch is conveniently situated near local landmarks, making it easy for you to stop by for all your banking needs. Whether you're coming from the nearby Lakeside Mall or just passing through the area, we're here to serve you! At our Sterling Heights location, you'll find ample parking and features designed to make your visit as smooth as possible. We comply with ADA standards, ensuring that everyone can access our services comfortably. Plus, we offer both drive-thru banking and ATM availability for those who prefer quick transactions without leaving their vehicles. Our lobby hours are designed with your busy schedule in mind: we're open 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. While we're closed on Sundays, our extended weekday hours provide plenty of time for you to come in and discuss your financial needs. For any official correspondence, please send mail to our mailing address at 40400 Garfield Road, Clinton Township, MI 48038. Feel free to reach out by phone at 586-263-8800 if you have any questions or need assistance before visiting. Come experience the welcoming atmosphere at Michigan Schools And Government! We look forward to helping you with personal banking services like checking and savings accounts, auto loans, mortgages, and more. Stop by today or give us a call we're excited to help you achieve your financial goals!

Member Eligibility

At Michigan Schools And Government, we believe that becoming a member is like joining a close-knit community where you can find support and resources tailored to your needs. If you're interested in joining us, you'll be happy to know that eligibility is open to anyone who works or lives in the areas we serve, including public school employees, government workers, and their families. It's an inclusive space designed for individuals looking for a financial partner who truly cares. For more detailed information about the specific eligibility criteria, you can check out this link: http://www.msgcu.org/michigan-credit-union-membership . Getting started is easy! Simply visit us at our branch located at 2356 Metropolitan Pkwy Sterling Heights Mi 48310 or give us a call at (586) 263-8800. We're here to help you through the account opening process and answer any questions you might have. Whether you're looking for a checking account or need assistance with loans, our team is ready to welcome you into the Michigan Schools And Government family. You can also find more details on how to open an account by visiting http://www.msgcu.org/apply-for-a-michigan-loan . Join us today and experience the advantages of being part of a community-focused credit union!

Business Banking & Commercial Services

Merchant Services That Empower

In addition to loans, we offer merchant services designed to streamline your operations. Imagine processing payments quickly and efficiently, allowing you to focus on what you do best serving your customers. Our services help you accept payments seamlessly, whether in-store or online, ensuring that cash flow never becomes a bottleneck for your business. Visit us at 2356 Metropolitan Pkwy Sterling Heights Mi 48310 in Sterling Heights, MI or call us at (586) 263-8800 to learn more about how our business banking and commercial services can empower your success. Together, let's build a prosperous future for your business!

Tailored Loan Options for Your Business

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

Additional Services

For those days when you prefer face-to-face interaction, our basic drive-thru banking services enable quick deposits and withdrawals without stepping inside the branch. We strive to make your banking experience as convenient as possible. If you have any questions or would like more information about our services, feel free to give us a call at 586-263-8800. Our friendly staff is always ready to assist you.

Business Banking

We also understand that running a business comes with its own set of challenges. That's why we offer robust business banking services, including merchant services and business loans that can help your company thrive. Whether you're just starting out or looking to expand, we have financial tools that suit various business needs.

Call to Action

Explore how Michigan Schools And Government can help enhance your financial well-being today! Visit us at msgcu.org or stop by our branch in Sterling Heights for personalized assistance tailored just for you. Your financial success is our priority!

Convenient Digital Banking

In today's fast-paced world, convenience is key. At Michigan Schools And Government, we provide comprehensive online and mobile banking options that allow you to manage your accounts from anywhere. You can make deposits, check balances, and even transfer funds with ease using our user-friendly mobile application. Need cash? Our ATMs are available for withdrawals and balance checks whenever you need them.

Personal Banking

Our personal banking services are designed to simplify your everyday financial tasks. We offer checking and savings accounts that help you manage your money effectively. If you're in the market for a vehicle, our auto loans and vehicle financing options make it easy to drive away in a new car without breaking the bank. Planning to buy a home? Our mortgage loans and refinancing solutions can guide you through the process smoothly, ensuring you find the right fit for your budget. For those unexpected expenses or consolidating debt, our personal loans provide flexible options that cater to your specific situation. Plus, don't miss out on our credit cards with rewards, which offer great benefits for your everyday purchases.

Digital & Online Banking

Key Features of Our Online Banking Services

Our online banking platform provides a user-friendly interface that allows you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple and quick. Plus, with mobile payments enabled, making purchases on the go is as easy as tapping your phone. Security is always a priority for us at Michigan Schools And Government. We provide electronic signature authorization to streamline processes while keeping your information safe. You can also opt for e-statements, which are not only eco-friendly but also help you stay organized by providing instant access to your financial records right at your fingertips.

Mobile Application and Accessibility

Our mobile application brings all these features directly to your smartphone, giving you the flexibility to manage your finances wherever you are. Whether you're checking your balance during lunch or making a payment while waiting in line, our app ensures that banking is never out of reach. With our commitment to accessibility and ease-of-use, you'll find real-time account management is just a tap away. Join the many members who have already embraced the convenience of modern banking with Michigan Schools And Government. For more information about our digital services, visit us at https://www.msgcu.org/ today!

Financial Strength

Committed Team at Your Service

We 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. With net shares (funds available for lending and investments) at $3,089,821, along with a total of 341,160 deposit accounts, it's clear that our member base trusts us with their finances.

Continuous Growth and Support

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 supports members' financial goals across various sectors with $42,923 in used auto loans and a total of $3,276,657,477 in loans and leases. Our operational efficiency is reflected in our $29,869,535, which allows us to continue offering competitive loan rates and solid financial products for our members.

Focused on Member Benefits

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. This member-centric approach sets us apart from the rest.

Secure 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. This commitment to securing your funds highlights our focus on prioritizing member benefits over profits.

Solid 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.

Your Trusted Partner

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 2356 Metropolitan Pkwy Sterling Heights Mi 48310 or call (586) 263-8800 to learn more about how we can help you achieve your financial goals.

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. Whether you're interested in financing a new ride or looking for an excellent deal on a used vehicle, our team can guide you through the process with ease.

Business Loans

For business owners, our outstanding commercial loans totaling $142,426,080 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business operations, our financing options can support your objectives.

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're dedicated to helping you navigate the complexities of securing a mortgage so you can focus on making your house a home.

Refinancing Options

If you're considering refinancing any existing loans, please reach out! We have various eligibility options available that could save you money and improve your financial situation. At Michigan Schools And Government, our goal is to ensure that every member has access to the resources they need for financial success. You can reach us at (586) 263-8800 for more information or visit us during our operating hours: M - W 9:00 am - 5:00 pm; Th - Fr 9:00 am - 6:00 pm; and Sat 9:00 am - 1:00 pm. 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 assist you in finding the right loan product today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $99,554,606 in loans helping members manage their finances effectively. Our credit cards come with various benefits designed to meet your spending habits while keeping your budget in check.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 commitment to sourcing ensures that all comparisons are fair and transparent, helping you make informed financial decisions without hidden surprises.

MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION