Credit union · NCUA insured
Michigan Schools & Government Credit Union
Top CarrotA $4.4B credit union, the 112th largest of 4,329, headquartered in Clinton Township, MI, with 162,111 members and 24 branches in Michigan. Best rates: CDs 4.55% and savings 0.60% APY.
Michigan Schools & Government Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#13 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Michigan Schools & Government Credit Union
Michigan Schools & Government Credit Union began in 1954 as the financial champion of educators and government employees.
Membership is open to anyone who lives in Michigan.
- Headquarters
- 40400 Garfield Rd, Clinton Township, MI 48038-4004
- NCUA charter
- 62049
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives in Michigan can bank with MSGCU.
Branches
24 branches in Michigan
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Michigan
24 branches
Detroit area · 22
- MainMain office40400 Garfield Rd, Clinton Township, MI 48038Directions
- Bloomfield Hills1943 S Telegraph Rd, Bloomfield Hills, MI 48302Directions
- Canton44530 Ford Rd, Canton, MI 48187Directions
- Chesterfield34700 23 Mile Rd, Chesterfield, MI 48047Directions
- Hall Road45120 Marketplace Blvd, Chesterfield, MI 48051Directions
- Clawson (T&I) Branch600 N Main St, Clawson, MI 48017Directions
- Farmington Hills29657 Orchard Lake Rd, Farmington Hills, MI 48334Directions
- Livonia20595 Farmington Rd, Livonia, MI 48152Directions
- Macomb16224 26 Mile Rd, Macomb, MI 48042Directions
- Madison Heights480 W 12 Mile Rd, Madison Heights, MI 48071Directions
- Rochester - The Village2950 Walton Blvd, Rochester Hills, MI 48309Directions
- Rochester Road2101 S Rochester Rd, Rochester Hills, MI 48307Directions
- Royal Oak31805 Woodward Ave, Royal Oak, MI 48073Directions
- 26 Mile Road Shelby8010 26 Mile Rd, Shelby Township, MI 48316Directions
- Hayes Road48945 Hayes Rd, Shelby Township, MI 48315Directions
- Shelby8770 23 Mile Rd, Shelby Township, MI 48316Directions
- Shores24515 Little Mack Ave, St. Clair Shores, MI 48080Directions
- Mound Road41031 Mound Rd, Sterling Heights, MI 48314Directions
- Sterling Heights2356 Metropolitan Pkwy, Sterling Heights, MI 48310Directions
- Troy4555 Investment Dr, Troy, MI 48098Directions
- Commerce Township3230 N Pontiac Trl, Walled Lake, MI 48390Directions
- Warren13602 E 14 Mile Rd, Warren, MI 48088Directions
Ann Arbor area · 2
- Ann Arbor2151 W Stadium Blvd, Ann Arbor, MI 48103Directions
- Saline6983 E Michigan Ave, Saline, MI 48176Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.63% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.61% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.49% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $103 | $88 | — |
- CapitalNet worth ratio12.63%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.61%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.49%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$103Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Michigan Schools & Government Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.