Credit union · NCUA insured
Michigan Schools & Government Credit Union Credit Card Rates
Top CarrotMichigan Schools & Government Credit Union credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Michigan Schools & Government Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan Schools & Government Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Michigan Schools & Government Credit Union
9.75%APR
Titanium Visa Credit Card
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
Michigan Schools & Government Credit Union credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Michigan Schools & Government Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Visa Credit Card
Credit subject to approval. Normal credit standards apply. Credit line: $500-$35,000. 1% fee (in U.S. dollars) on foreign purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | Offers the same low rate for purchases, cash advances, and balance transfers. No balance transfer, cash advance or annual fees. |
MSGCU Rewards Visa Credit Card
Credit subject to approval. Normal credit standards apply. Variable APR based on prime. Credit line: $5,000-$40,000. 1% fee (in U.S. dollars) on foreign purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Variable rate as low as 13.00% APR based on prime index. No fee for balance transfers or cash advances. |
Sources (2)
All captured Oct 16, 2026
Titanium Visa Credit Card
Credit subject to approval. Normal credit standards apply. Credit line: $5,000-$40,000. 1% fee (in U.S. dollars) on foreign purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Lowest credit card rates on purchases, cash advances, and balance transfers. No annual fees, balance transfer fees or cash advance fees. |
Youth Classic Visa Credit Card
Must be 16 or 17 years old and an MSGCU member in good standing. Must attend Getting Started with Cash & Credit Workshop or review workshop material with an MSGCU Representative, have written parental consent, and have income from a job or allowance. Credit line: $300-$3,500. Credit subject to approval. Normal credit standards apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | No balance transfer, cash advance, or annual fees. |
Sources (2)
All captured Oct 16, 2026
Who can join Michigan Schools & Government Credit Union
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.
Membership information collected October 5, 2026.