MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION
40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038 www.msgcu.org

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Organizations Filed Purposes: WE ARE A CARING ORGANIZATION DEDICATED TO PROMOTING FINANCIAL SUCCESS FOR OUR MEMBERS.

CREDIT UNION OPERATED FOR MUTUAL PURPOSES.

FOUNDED IN 1954 BY A SMALL GROUP OF TEACHERS, PRINCIPALS AND OTHER SCHOOL EMPLOYEES, MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION (MSGCU) HAS BEEN PROVIDING QUALITY FINANCIAL SERVICES TO ITS MEMBERS FOR MORE THAN 60 YEARS. WHETHER IT IS A CHECKING OR SAVINGS ACCOUNT, LOAN, IRA, CERTIFICATE OF DEPOSIT, MORTGAGE OR CREDIT CARD, MSGCU WANTS TO HELP ITS 109,000 MEMBERS ACHIEVE THEIR FINANCIAL SUCCESS. FROM THE START, MSGCU HAS BEEN DEDICATED TO A SIMPLE PURPOSE: SERVING THE FINANCIAL NEEDS OF ITS MEMBERS. WE DO THIS BY PASSING SAVINGS AND ATTRACTIVE RATES TO OUR MEMBERS, OFFERING SENSIBLE SOLUTIONS AND CONSISTENTLY GOING ABOVE AND BEYOND. WE HAVE ALWAYS BEEN ABOUT PEOPLE HELPING PEOPLE, ABOUT OUR COMMUNITY HELPING THE COMMUNITY AROUND IT. AND TODAY, THAT MISSION CONTINUES. AND MSGCU MEMBERS - WHETHER JOINING WITH A TRADITIONAL EDUCATION/GOVERNMENT/SERVICE BACKGROUND OR ENJOYING ELIGIBILITY IN OTHER WAYS - CAN APPRECIATE AND CHAMPION THE SAME PASSION FOR SERVICE THROUGH SO MANY ASPECTS OF MSGCU MEMBERSHIP. OUR MEMBERS RECEIVE EXCEPTIONAL FINANCIAL BENEFITS AND REWARDS. THEY EXPERIENCE THE PROACTIVE GUIDANCE OF PEOPLE WHO GENUINELY CARE ABOUT THEIR FINANCIAL WELL-BEING. THEY SHARE IN A BIGGER MISSION - PAYING A LITTLE GENEROSITY FORWARD, BY ASSOCIATION, EVERY DAY.WITH 12 OFFICES LOCATED THROUGHOUT MACOMB, OAKLAND, AND WAYNE COUNTIES, PROVIDING FULL ONLINE BANKING AND MOBILE SERVICES, WITH $1.65 BILLION IN ASSETS, AND A STAFF OF 300 EMPLOYEES, MSGCU IS A VALUED RESOURCE FOR FINANCIAL WELLBEING FOR BOTH CONSUMERS AND BUSINESSES. AT THE END OF 2016 OUR LENDING PORTFOLIO TOTALED JUST OVER $1.256 BILLION. THE CONSUMER LENDING PORTION OF THE PORTFOLIO WAS JUST OVER $652 MILLION. THE MORTGAGE PORTFOLIO WAS JUST OVER $522 MILLION AND THE BUSINESS LOAN PORTFOLIO WAS ALMOST $82 MILLION. THE SAVINGS PORTFOLIO WAS $1.456 BILLION.

DURING 2016, THE CREDIT UNION SERVED OVER 6,000 PARTICIPANTS WITH OUR FINANCIAL EDUCATION WORKSHOPS, WHICH FEATURED TOPICS LIKE HOME BUYING, HOME EQUITY, WILLS AND TRUSTS, UNDERSTANDING CREDIT REPORTS AND CREDIT SCORES, SOCIAL SECURITY, AND RETIREMENT. WE OFFERED OVER 240 FINANCIAL EDUCATION WORKSHOPS IN OUR BRANCHES, LOCAL HIGH SCHOOLS, LIBRARIES AND OTHER LOCATIONS CONVENIENT TO THE PUBLIC AND OUR MEMBERS.

THE CREDIT UNION CONTINUED ITS SCHOLARSHIP PROGRAMS BY PROVIDING $77,500 TO HIGH SCHOOL SENIORS WHO WILL ATTEND COLLEGE AS WELL TO FIRST RESPONDERS WHO WILL GRADUATE FROM THE FIRE AND POLICE ACADEMIES AT MACOMB COMMUNITY COLLEGE, OAKLAND COMMUNITY COLLEGE AND SCHOOLCRAFT COLLEGE. OVER THE YEARS WE HAVE BEEN RECOGNIZED FOR THE WORK WE DO FOR OUR MEMBERS, EMPLOYEES, AND THE COMMUNITY. MSGCU WAS NAMED MICHIGAN CREDIT UNION OF THE YEAR - 2015 BY THE MICHIGAN CREDIT UNION LEAGUE. THE DETROIT FREE PRESS ALSO SELECTED MSGCU AS A TOP WORKPLACE IN MICHIGAN FOR THE PAST FOUR YEARS. WE ARE PROUD OF A 97% OR HIGHER MEMBER SATISFACTION RATING FOR MORE THAN TEN YEARS AND ACHIEVING THE BAUER FINANCIAL HIGHEST POSSIBLE RATING OF FIVE STARS FOR THE PAST TWENTY YEARS. THESE ACCOMPLISHMENTS CONFIRM THAT WE ARE MAKING A DIFFERENCE IN THE COMMUNITIES WE SERVE IN SOUTHEAST MICHIGAN.

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