aiducation international ( ai , commonly known as aiducation ) , founded in 2007 , is an international " for impact " non-profit organization ( npo ) in the field of education .

it sources scholarships from private persons in developed countries ( the donors are called " aidumakers " ) and awards these scholarships on a merit basis to needy students in developing countries .

its focus is on kenya and on the philippines .

aiducation

urltoken ▷ observe aiducation news | aiducation international - building people building . . .
leads and sets direction for all operational aspects of aiducation international . ceo of aiducation international on a full - time basis .
1 . our two main chapters in europe , aiducation international and aiducation international schweiz , are both audited by pricewaterhouse coopers schweiz .
“the vision behind aiducation of ‘building people . building nations’ was strong and convinced me right from the beginning . developing aiducation and shaping our impact was like doing a practical mba . ” matthias meier , aiducation
“i am proud to be part of the aiducation team because aiducation recognizes that developing a country means educating individuals - one at a time . ”
“aiducation will be part of my dna for the rest of my life . ”
as the co - founder of aiducation international , dr . florian kapitza said ,
secondary school in kenya because they couldn’t afford the school fees . as part of aiducation
meet this amazing young lady - pendo - . . . - aiducation international | facebook
matthias meier , currently ceo of aiducation switzerland , heard about aiducation from a friend who was volunteering for the organization , and joined as a volunteer early in 2009 . according to matthias , the volunteers at aiducation all come from different backgrounds – education brings everybody together .
“scholarships through aiducation will build the future skilled leadership the poorest countries so critically need . ”
aiducation international uk 24 charleville road london w14 9jh united kingdom email : info . uk @ urltoken
aiducation international is a non - profit organization , dedicated to giving young people access to education .
meet the other 5 finalists : aiducation , urltoken , greenpath food , kadafrica , zum guten heinrich .
aiducation international vergibt gymnasialstipendien an talentierte und motivierte junge menschen in entwicklungsländern , damit sie ihr land weiterbringen können .
eva has been a part of aiducation since mid 2007 and has contributed in various functions immensely to the success of the organization . among the most prominent positions was the position as the ceo of the swiss chapter . as a tier - b member of aiducation international and aiducation international schweiz , eva is part of two of aiducation ' s most important decision - making bodies . eva studied economics and earned a ph . d . at eth zurich .
2 . receipts of all expenses in kenya and the philippines are transferred to aiducation in switzerland where expenses are verified .
“i believe in the strategy of going deep rather than going wide . go slowly . ” – matthias meier , aiducation
“i enjoy working for aiducation international , specially because of a previous working engagement , that had strong relations to kenya . ”
tomorrow more than 80 friends of aiducation are getting together in zurich - don‘t miss it and join us now by registering .
ai : so how did you hear about aiducation international ? d : i heard about aiducation international from mr . thoya , a teacher at ribe boys high school where i started going some years ago . mr thoya told me about aiducation and encouraged me to apply for a scholarship . i ended up applying for a scholarship and ended up getting it to my immense pleasure .
despite its young age , aiducation international has been awarded several prizes . among them the prestigious high - tech startup prize venturekick !
. i live in the capitol nairobi by myself and am very pleased to be able to represent aiducation here and be in switzerland .
aiducation . a for impact organization awarding high school scholarships to bright and motivated young people in developing countries so that they . . .
“aiducation international” is the first non - profit organization to clear all three hurdles at “venture kick” . what is the secret to your success ?
“real value is created when organizations and their members share their skills , knowledge and experience with our high potential students” . – matthias meier , aiducation
donate for an aiducation scholarship and help us to change a life today in honor and memory of our beloved fellow global shaper and friend artista .
all national chapters are registered non - profit organizations and must , therefore , comply with the laws and regulations of their country of operation . our two main chapters in europe , aiducation international and aiducation international schweiz , are both audited by pricewaterhouse coopers , aiducation international kenya is further audited by an independent auditor in kenya . due to size , independent audits of financial statements are not a realistic option for the time being for our other chapters .
switzerland email : info @ urltoken skype : kapitza _ aiducation account details ubs ag ch - 4002 basel iban : ch24 0023 3233 120909 . 01a account - nr . : 233 - 120909 bic : ubswchzh80a post account : 80 - 2 - 2 aiducation international schweiz 8000 zurich switzerland email : info . ch @ urltoken account details ubs schweiz aiducation international schweiz account number : 275 - 813479 . m2c iban : ch05 0027 5275 8134 79m2 c bic : ubswchzh80a germany aiducation international deutschland postfach 11 75 55001 mainz germany emal : info . de @ urltoken kenya aiducation international kenya p . o . box 139 80202 watamu kenya email : info . ke @ urltoken account details aiducation international kenya : swift code : citius33 fed - wire no . 021000089 beneficiary bank : equity bank kenya ltd swift code : eqblkena customers ' s acc . no . 0450193329136 name : pwani education welfare association branch : malindi uk
banking details scholarships ubs schweiz aiducation international schweiz iban : ch 1000275275813479m1m bic : ubswchzh80a clearing - nr . 275 post account : 80 - 2 - 2
i love working for aiducation international because we provide unrestricted access to education and information which is immensely important for an equal and just society .
aiducation international ( ai ) : welcome , david and erik . we are thrilled that you are able to join us here in zurich ! david , you are a former aidufellow , now an aidualumni who has already achieved so much . tell us about yourself before aiducation became a part of your life !
“i am conviced that aiducation international offers the best opportunity to realize potentials and make visions come true - in development countries as well as in switzerland .
aiducation international is a for impact organisation awarding high school scholarships to bright and motivated young people in developing countries so that they can drive their countries forward .
lazarus odhiambo othieno – finance and administration aiducation international kenya lazarus is in charge of the scholarship management and finances . bachelor of commerce and it ( kca university ) . “ i enjoy working for aiducation because i strongly believe education is not preparation for life ; education is life itself .
lazarus . othieno @ urltoken
leads volunteers and fundraising as a volunteer on a part - time basis . amanda is a certified public accountant and a graduate of notre dame .
the aiducation students have dreams of making their communities better and understand the way to success is through education . aiducation allows the dreams of these students to become reality .
after the courses , the volunteers help participants stay focused on their learnings through remote mentoring . together with aiducation , the swiss re foundation also launched the start up fund , which allows swiss re staff as well as external parties to donate directly to an aiducation - administered fund that invests in kenyan start - up projects .
i am part of aiducation international because i want to support students , who will be tomorrow ' s changemakers and empower them to realise their full potential .
aiducation international provides students with merit - based scholarships and invites alumni to attend regular workshops . building on aiducation’s workshop formats and with funding from the swiss re foundation , swiss re developed the swiss re academies . the academies are one - week intensive programmes staffed by swiss re employee volunteers where participants are educated on three crucial topics :
michael waelchli– ceo aiducation international uk leads and sets direction for all operational aspects of aiducation international uk , volunteer on a part - time basis , mba candidate university of cambridge , m . a . in finance & accounting , university of st . gallen “ development work should be about empowering , not imposing . with its unique business model , aiducation not only lifes this principle , but also implements it most effectively . is there a better way of empowering than educating ? !
michael . waelchli @ urltoken
andrew kadzoyo – coordinator start up fund aiducation international kenya andrew is responsible for the aiducation start ups . finalist , bachelor of commerce , operations management major . president of aiducation international alumni network . student of professional public speaking at african school for public speaking . “ true humanity is about adding value to other people’s lives in every available small or big way . true humanity is in the positive impact we make in lives , the investment of our personality and all we have to make lives better .
andrew . kadzoyo @ urltoken
he is inspired by how world vision and his sponsor were kind enough to help a stranger like him . so he is doing the same through his aiducation for underprivileged children .
george jilani – manager partners and donors aiducation international kenya george is in charge of new and existing partners and donors in kenya . he is also ceo of aidulink , the aiducation alumni program in kenya . medical student at the university of nairobi . “ we did not come here to fear the future , we came here to shape it .
( barack obama )
amazing opportunity for me to work in the aiducation office in kenya as we set our sights into the future of solid local partnerships .
george . jilani @ urltoken
“i ' m part of aiducation international because i want to help students realize their potential and i love achieving this together with very inspiring people from all over the world ! . ”
aiducation’s founders , kristin and florian , were traveling in east africa in 2007 , when they met a kenyan clinician , jeremy , during an overnight bus trip between mombasa and nairobi .
“i enjoy working for aiducation because i believe education is the gateway to opportunity and realizing one’s own potential . working with an inspiring team makes it all the more fun and rewarding . ”
aiducation international is a for - impact organization , dedicated to give people access to education . founded in 2007 , the organization awards merit - based high school scholarships to bright . . .
aiducation international is looking for new volunteers as a support and to further grow its impact – join the team and apply now ! volunteer social media , online marketing or design : . . .
cynthia is responsible for building and maintaining good working relationships with aiducation’s current and prospect partners and donors . she also takes care of students’ profiles . diploma of higher education in tourism management at hft lucerne
in january 2009 , some employees from “aiducation international” traveled to timboni , kenya . they visited a number of schools and interviewed potential scholarship holders . ( photo : carsten danzer ) ( large view )
aiducation was founded on 2 beliefs : 1 . education is the most important lever for the development of any person . 2 . active people are the most important lever for the development of any country .
currently aiducation international awards 150 scholarships per year on merit to high achieving children in kenya who are identified as potential future leaders . it offers mentorship , networking and job placement opportunities to these young adults .
profile of joseph n . - the warm veterinarian with good practices of livestock . please support joseph n . by donating a scholarship . aiducation international is dedicated to give people access to ed . . .
in 2010 , matthias took over the lead of the swiss chapter of aiducation , still in a voluntary role . at this time , he was working as a management consultant in the food & transportation industry . as his enthusiasm for aiducation grew , he increasingly felt the imbalance between his voluntary work and his consulting job ; the consulting job was all about maximizing corporate profits ; this was in strong contrast to his work at aiducation , which focused on creating impact for motivated and deserving individuals . he found himself at a crossroads when he was confronted with the opportunity to become a partner in his consulting company in 2013 . he made the decision to quit his consulting job , and to support the development of a sustainable business model for aiducation together with a team of about 10 students and young professionals from across the globe .
only very few aiducators have access to personal data of aidumakers . the data is secure and will not be published - not even your name ! . for more information , please read aiducation ' s privacy policy
rebecca ngala – administration support and assistant scholarship departement aiducation international kenya rebecca supports aiducation international kenya with all major administrative work and is the assistance of the scholarship management department . she has a certificate in business administration and office management . “ you educate a man ; you educate a woman ; you educate a generation .
( brighma young )
i love working with aiducation to make our young brothers and sisters realize , naurture and grow their talent towards building a better kenya and the world at large and also to get to know how to live with people and build a good network across the world .
rebecca . ngala @ urltoken
ai : erik , how about you , where will you be in ten years ? e : i will continue to work on my own business and look forward to many more years of volunteering for aiducation kenya .
besides his love for nature and sport , he dedicated all his energy and time to making the world a better place . he worked passionately for the non - profit aiducation ( www . aiducation . org ) and mastered the skill of bringing people together from all over the world . in this spirit , the global shapers zurich hub launches this campaign in order to unite the global shapers as one community and continue his life’s work .
we invite and encourage you to make a donation and enable more students to receive a secondary education through aiducation scholarships . we believe they will – in their own way – continue artista’s efforts of building a brighter future .
among other things
ubuntu
stands for corporate responsibility , a universal bond of sharing that connects all humanity . in the sense of this philosophy , aiducation offers me the possibility to take on the responsibility for the future of individuals and the global community together with my colleagues , our aidumakers , partners and in particular with the aidufellows . according to this aiducation and the connected work can be summed up in one word for me : future !
, together with swiss re staff have joined hands in organizing swiss re start up academies , in which upcoming entrepreneurs from aiducation ' s talent pool receive a one week state - of - the - art start - up training . this page gives prospective donors the chance to contribute to the funding of the most promising start - ups from start up academies and to nurture aiducation ' s talent pool by awarding scholarships to bright and needy students .
seeks partners and supporters for aiducation international . presents on behalf of the chapter at events and raises scholarships . registration specialist in the agrochemical industry , ph . d . in molecular biology from eth zurich , diploma in biochemistry .
i have no doubts that education is the most powerful tool when it comes to improving people’s lives . and that’s why i believe in aiducation and what it stands for . i’m privileged of being part of it .
, most of them on a complete voluntary basis , make aiducation international possible . they are students and young professionals who are passioate about giving bright and needy student access to education and thereby access to their potential . visit our
erik ( e ) : i am a volunteer with the aiducation international kenya chapter and also run a media and web application development venture in nairobi . beyond that i currently work as a web development consultant with the un -
“education provides the foundation to realize professional ambitions and thereby enables individuals to take over responsibility for their society . with the unique business model of aiducation i would like to make this kind of freedom possible to the underprivileged youth . ”
in charge of creating all texts for collaterals of aiducation ( newsletter , blog , annual report etc . ) . post - doc at the institut of terrestrial ecosystems ( eth zürich ) , diploma in geoecology at the tu braunschweig .
yesterday , the aiducation alumni from kenya ( nairobi chapter ) had the privilege of meeting with francois geinoz , the director of limmat foundation , at fairview hotel in nairobi , kenya . we had a really interactive and . . .
the event is in support of aiducation international , an education nfp that provides education for bright , young , and smart primary school children seeking to study in secondary school , yet do not have the financial means to do so .
dr . allegre hadida – advisor to aiducation international uk advises the uk team on operations and strategy . lecturer in strategy at judge business school and magdalene fellow , university of cambridge . ph . d . in strategy from the hec , paris . “the passion , commitment , and competence i have witnessed in the organization so far , combined with a powerful and inspiring vision , will soon contribute to aiducation setting the standard for charitable organizations in education worldwide . ” a . hadida @ urltoken
“education opens minds and doors . i believe access to a good education is one of the most crucial , rewarding and empowering things in our lives . through aiducation , i can provide opportunities for talented , knowledge - hungry students in developing countries . “
“the opportunity for a superior education is the key to a bright future . unfortunately , millions of deserving persons are deprived of it , especially early in life . let us hope that aiducation international ' s efforts will spread far and wide . ' ”
if you have signed up and did not hear back from us by tuesday evening ( 26 . 6 . 2012 ) please contact us ( cambridge @ aiducation . org ) . we have everybody on the guest list , but miss some email addresses .
michelle masha – academy manager and alumni relations aiducation international kenya michelle is in charge of the mentorship academies and alumni relations . she is an active member of the alumni program and has coordinated several academies . degree in economics . “ true education does not consist merely in the acquiring of few facts of science , history , literature , or art , but in the development of character and talent .
( david o . mckay )
i love working with aiducation because for any individual to grow they must have the knowhow ( education ) then grow towards art and talent . aiducation’s structures have accommodated growth in talent and helped see students through school which is very crucial in anybody’s life if they aim to be people with a difference .
michelle . masha @ urltoken
one child , one teacher , one book and one pen can change the world
( malala yousafzai , nobel prize laureate 2014 )
from the very beginning , i was convinced and excited about the unique business model of aiducation international . in my eyes , the investment in humans and their education is the most sustainable form of development aid . therefore it fills me with pride to be part of aiducation’s team and to have the opportunity to contribute to a better world and to really make an impact .
many talented volunteers make aiducation international possible every day . our aiducators are students and young professionals who understand the importance of education for a bright and needy student . aiducators are well - educated , idealistic and motivated to make an education easily accessible to future leaders .
aiducation international is a for - impact organization , dedicated to giving people access to education . founded in 2007 , the organization awards merit - based high school scholarships to bright and needy students in developing countries . for more information , visit the website : urltoken .
we are thrilled to invite you to our special anniversary impact dinner and hope you can join us in celebrating this very special milestone . we are especially excited to introduce you to obrein telly from kenya , an aidualumnus and founder of the aidualumni organization . he will speak to us about how the regular and powerful reunions of aidutalents impact their lives , the lives of others , and society at large . in addition , we will also hear from the aiducation founders who will speak about the mission and steps taken to ensure a bright future for aiducation .
manages , develops and expands the swiss chapter on a strategic and operational level . represents aiducation international switzerland at events ( internally and externally ) . establishes and fosters relations to existing and potential aidupartners . m . a . in accounting and finance of university of st . gallen .
“aiducation international” has become the first non - profit organization to win a “venture kick” grant . founded at eth zurich , the organization grants scholarships to talented young kenyans . we spoke to ceo florian kowalke about the pressure for selection , the potential risks and ambitious young people in kenya .
jeremiah kambi – ceo & co - founder ceo of the kenyan chapter . clinician . currently specializing in epidemiology , his education was made possible by a scholarship . “ aiducation international has brought a lot of joy and relief to hundreds of high potential students .
jeremiah . kambi @ urltoken
all aidufellows are highly motivated because they know that education is their only chance to achieve their dreams . every successful applicant to the aiducation scholarship program has high goals that play an important role during the pre - selection process of aiducation international . they know that the scholarship offers them a new chance in life . interim reports document the scholar’s progress and attendance . should the scholar decide to skip school for some reason , or drop out of the program entirely , the aidumaker is consulted and the scholarship can be transferred to a more motivated student - but such cases are extremely rare .
living on poverty : to say organizations like aiducation are living on poverty is like saying that hospitals and doctors are living on cancer and diseases . we are not living on poverty but trying to get rid of it with an innovative and promising approach that has been widely neglected in the past .
adam is responsible for building and maintaining good working relationship with aiducation’s current and prospect partners and donors . he also takes care of students’ profiles as well as their progress reports . he holds ph . d . degree in social sciences from university of wroclaw and cas in development and cooperation from eth zurich .
never miss urltoken updates : start reading the news feed of aiducation right away ! unfortunately , we cannot detect rss feed on this website , but you may observe related news or urltoken popular pages instead . it is generally safe for browsing , so you may click any item to proceed to the site .
in september 2007 , a small group of entrepreneurial ph . d . students founded aiducation international switzerland . as the first scholarship - raising chapter , the swiss team worked closely with the first talent - raising chapter in kenya to develop the concept and processes for aiducationinternational , which laid the foundation for a global organization .
we have never applied for any government grants . at one time we approached the swiss development aid organization , the deza and asked if they are interested in working together . their answer was that they prefer working directly together with government agencies , rather than foundations , companies , or for - impact organizations like aiducation .
aiducation prefers to describe itself as a ‘for - impact organization’ rather than a non - profit . everybody is still receiving very low salaries , and everybody in the team works individually . there are now 2 . 5 ftes employed within the swiss chapter and about 10 volunteers invest at least 5 hours a week . matthias says
“the very first moment i heard about aiducation , i wanted to know more about it , and the more i heard about it , the more i wanted to become a member of this incredible versatile and enthusiastic team . i am convinced of the concept , impressed by the way it is realised and proud to participate . ”
ai : erik and david , the two of you are now an integral part of the aiducation family , and you have both faced very different challenges… erik , what challenges have you faced in your work ? e : there are many challenges in my everyday work for aiducation . naturally we have a constant problem of finding appropriate resources . all of our employees work on a volunteer basis , but traveling around the country to visit schools and keeping in touch with students does cost money as well . since most donations go directly into school costs this makes us highly transparent , but sometimes causes us to worry as well because we do need a certain amount of funds to keep going .
we have official charity status in switzerland , this means donations ( e . g . as an aidumaker ) to aiducation international schweiz are exempt from taxes ( official letter ) . most of our team members are volunteers and receive no salary from aiducation . with the additional support of our aidupartners , it is therefore possible for us to pass on at least 90 % of your donation to cover the school fees of your student . contact us today if you would like to join our team or support a student . the swiss team currently consists of about 20 team members , most are volunteers , working out of zurich and basel . we would like to introduce some of our leaders , listed below
in order to keep abuse probability as low as possible , the money for the fees is transferred directly to the school . thanks to the various cash prizes aiducation has won in the recent years and thanks to partnerships with wonderful aidupartners , our administration costs are covered so that at least 90 % of the scholarship donations can go towards school fees .
“to be part of aiducation , my aspiration for a meaningful , sustainable activity is fulfilled . for me , education is the cornerstone for every further step , no matter how small , into a better future . investing my time in this goal makes me proud and gives me the strength to shape my private and professional life with energy and humour .
“a new type of thinking is essential if mankind is to survive and move toward higher levels . ” ( albert einstein ) this can be promoted by the education itself , if the generations of tomorrow are supported by act of solidarity as aiducation international , so that they actively support their society in the future on their own and develop their land . “
we explain to the aidufellow ' s that they have no obligation to aiducation international or the aidumakers whatsoever except to work hard , complete their schooling successfully , and give back to society afterwards . direct contact between an aidumaker and an aidufellow is restricted and detailed contact information is not released to the aidumaker until the scholarship has ended and only if both sides agree to disclose .
aiducation international’s aidufellows are selected for their potential to positively impact their society . as they contribute to building their home country , they multiply the aidumaker’s impact and shift it from an individual to a social ( regional and even national ) level . consequently , it is expected that each scholarship will not only have a short - term impact but also a mid - / long - term impact .
founded in september 2009 , our uk chapter of aiducation international is working hard to raise donations for scholarships . we have official charity status in the uk and in our first year we raised more than 25 scholarships to cover the fees students must pay for four years of high school in kenya . every member of our team is a volunteer and doesn’t receive a salary from aiducation and this makes it possible for us to pass on at least 90 % of your donation directly to the students . our dedicated volunteers are primarily located in cambridge and london but we are expanding into more regions . contact us today if you would like to join our team or make a donation . the uk team currently consists of 17 volunteers in cambridge and london . listed below are the most active members
leads volunteers and fundraising as a volunteer on a part - time basis . simona is a finance manager and earned degrees at the university of virginia and cambridge .
i believe in the power of education . it empowers people to make a lasting impact in their society . as a volunteer for aiducation , i help students learn and i also learn new skills myself by working alongside talented business professionals .
there is an old saying : “give a man a fish , you feed him for a day ; teach a man to fish , you feed him for life . ” aiducation follows this approach with an impressive passion and professionalism by giving gifted underprivileged students access to higher education . i am proud to be part of this team and make a small contribution to improve their country’s economic , social and political development .
is there anything more beautiful than touching disadvantaged children’s life , giving them a chance ? yes , there is – if at the same time you also touch and influence the whole nation positively . building people , building nations is what we do at aiducation . i am very happy to be a part of an organisation with such a great mission and to be able to contribute as well as to open this possibility to others .
“ education is the most powerful weapon which you can use to change the world . ” ( nelson mandela )
we find ourselves in a challenging time where this powerful tool is needed more than ever to solve local , regional and especially global issues . through aiducation , this vital tool is made available to highly talented students with a vision on how to use this powerful weapon to have the greatest possible impact on their community , their country and the world .
ai : what motivates you to continue working for aiducation ? e : my past experience and the fact that others who face the same situation may not have the same strength or the will to make it against all odds is the biggest motivation above all . and this coupled with the fact that other colleagues of the organization also give the same dedication with high accountability in the process , honesty , openness and sacrifices . lastly , seeing people like david succeed is a motivation .
in kenya , the aidufellows typically attend good to very good public boarding high schools . why do we focus on these top schools ? - after the standardized national exams in primary school , these are the schools which select the best students . aiducation international only supports high - performing students , and these are the students who have been chosen to attend one of these top schools . however , since they are coming from a humbly financial background , they often cannot afford to attend these schools without a scholarship .
“one of our applicants once said : ' education is the only key . ' that is what i believe in ! it is the only key to personal success , development and , hence , making an impact in the world . being part of this entrepreneurial and committed team motivated me to co - found this inspiring organization which has the most convincing concept to give back to society . in the near future , aiducation international will be a synonym for the most efficient and effective ngo worldwide , i ' m sure . ' ”
this short - term impact is assessed in the progress reports giving information on the academic performance of each aidufellow and on the aidufellow’s extracurricular activities and special achievements . one of our aidufellows , for example , is obrein telly who recently led a small team of students to donate approximately usd400 for victims of a famine in kenya . his efforts were honored with an article in one of the two national newspapers ( see press archive ) . students like obrein telly serve as proof of the short - term impact of aiducation international’s approach .
yes , in kenya at least 90 % of the funds donated by aidumakers go to school fees . fundraising and administrative costs are covered by aidupartners and the remaining 10 % . in the philippines , where secondary education in public schools is for free , we spend at least 90 % of each scholarship on the mentoring program . in the event that we lose our aidupartners at the global level in the future , the founders of aiducation international have agreed that at least 90 % of future donated funds should be dedicated to scholarships .
aiducation international ( ai ) has a clear and transparent focus and is a unique player in today’s ngo market . it only invests in education . ai believes education is the most effective strategy to realize potential , and each scholarship donated is invested into education only . ai scholars are selected for their potential to positively impact their society at the economic social , and political level . as they contribute to building a better kenyan society , they multiply the impact and shift it from an individual to a social ( regional and even national )
the short - term impact is the impact while an aidufellows is still at school : thanks to each scholarship , high - potential students can finance their high - school fees . by providing this opportunity , aiducation international and our aidumakers a ) give a perspective to financially dependent students who want to succeed and motivates them to excel in their studies ; b ) bring forward a minority group of top performers previously not identified ; and c ) assist this top - performing group into existing schools , thereby raising the academic level and benefiting the entire country .
elisabeth kalu – assistant manager partners and donors aiducation international kenya elisabeth will offer assistance to george with regards to managing new and existing partners and donors in kenya . financial economics graduate at strathmore university in nairobi . “ in the last fifty years , it’s become a mantra for me and my family that , win or lose , it’s important to ‘get caught trying .
( hillary clinton )
as a team , the most important thing is that we get caught trying regardless of whether we achieve our objectives or not .
lyz . kalu @ urltoken
swiss re start up academies are unique 5 day workshops in kenya : young , eager , talented , and entrepreneurial kenyans , who received high school scholarships from aiducation team up to turn their business ideas into start - up ventures ready to take off . each team receives tailored support from an exceptional mixture of speakers and mentors comprised of kenyan entrepreneurs and international swiss re staff . thereby the swiss re start up academy helps students develop outstanding business opportunities with the potential to create jobs and build a better kenya . read our blog story for more on the swiss re start up academy .
you can donate via paypal ( including credit card ) or bank transfer to the bank accounts of the aiducation chapters listed below . all incoming donations will be pooled and board of advisors ( boa ) will allocate the funds to selected start - ups from the aidualumni community . the boa will be governed by a strict code of conduct and pre - agreed constitution . successful start - ups must pay back the funds received so that other business ventures can be financed , thereby making this fund revolving . stay tuned to our blog to see some of the start up fund ' s success stories .
our scholarship prices represent average costs for 4 years of secondary education . however , fees can vary from school to school , country to country , and year to year , and currency issues also play a role . if the amount paid by the aidumaker is higher than the actual fee charged by the school / our expenses for that particular student , the excess amount is transferred to a fund . if the amount is less than the actual fee , the scholarship is topped up with money from that fund . the fund is entirely dedicated to finance aiducation ' s charitable purposes . we can , therefore , keep our promise that at least 90 % of funds donated by aidumakers go toward the education of high - potential students from a financially humble background .
our most important partner on the ground is jeremy kiponda kambi , who co - founded the organization in kenya . 19 years ago , he was a “high potential” candidate himself , whose family could not afford to send him to secondary school . he was lucky enough to obtain grants from a service club and is now a doctor . two years ago , he decided to pass on some of his good fortune , as the gap in the school system that almost cost him a promising future back then still exists to this day . hence , he founded “aiducation international” with some friends and , one year later , kristin kapitza and i joined him and his team . jeremy is an excellent managing director and manager – the paragon of what we are looking to achieve with our grants .
we recently received the tragic news of the sudden death of our beloved aiducator nicolas nägeli . nicolas tragically lost his life on saturday , 19th march 2016 , while on a snowboarding - tour in the alps . he was together with a friend on the aletschhorn - glacier where he was doing what he passionately loved . nicolas abrupt and tragic death has left us in deep sorrow and with a sense of a great loss for this immensely bright , talented and gifted human being . his unique personality enabled him to participate in multiple areas and excel . nicolas was highly committed to aiducation , working in the swiss chapter since 2013 as vice - ceo helping our organisation grow and develop . through his untimely death we have lost a dear colleague and a trusting friend . his legacy will continue to inspire us .
ai : what were your reasons for joining aiducation , what convinced you ? e : my educational past was faced with lots of challenges as well , less because my parents were not able to pay , but due to other family - related issues… my father left my mother when i was very young and refused to pay for my schooling . at one point i no longer attended school , but ended up sitting for the final exam . i passed the final exam , and the principal – having seen my potential – allowed me to go to school without asking for school fees . to make a long story short , i had no one to help me out with both personal issues and school fees and had to really struggle to make my schooling a success . that is why i know the importance of being helped when it comes to education .
interested in advancing your knowledge in self leadership and entreprenual skills ? join award winning entrepreneurs , leadership experts and a cohort of other young high school leaders for a full day experience to accelerate your self leadership and entreprenual skills for community impact .
yusudi welcomes all start - up , sme and corporate decision makers who are looking to grow their business by meeting new people . we will be meeting monthly for in - depth networking . that means that the meetup is a guided
get to know
event between different decision makers to come out and build a strong network and find people to do business with .
the leadership accelerator for exceptional high school seniors is a one - day gathering for high achieving secondary school students in their penultimate year , to advance their knowledge and application of self - leadership and entrepreneurial skills for community impact in preparation for post - secondar . . .
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urltoken
“by being a lawyer , i will serve people as much as i can , regardless of their state of l . . . ”
die optimale wirkung ihres stipendiums ist uns sehr wichtig . daher fliessen mindestens 90 % ihrer spende direkt in bildung
“i enjoy being part of this amazing venture , where i can use my skills to help talented students in developing countries to become what they can be . investing in high potentials is accompanied by a substantial leverage effect . i can’t wait to see the achievements of our aidufellows , which will move their societies forward . ”
nicolas nägeli - in loving memory ( 30 . 07 . 1991 - 19 . 03 . 2016 )
andrea is the contact person for existing and new donors . she cultivates the relationships , deals with requests , advises , clarifies and fulfils ( almost ) every wish . she also organizes events and helps wherever there is need . the travel - infected , certified tourism specialist with 15 years of experience as a host and intercultural understanding .
developing the division
school switzerland
and is looking for education partnership from the primary and secondary education level , i . e . from kindergarten to college . master of communication management with 15 years’ experience in marketing communication , 3 years’ experience in education campaigns .
educational institutions and students have a great interest in helping children , who are not as privileged as themselves , and learning more about the culture of the foreign country , education is the best way to move a country forward . i enjoy being part of an organization committed to help ambitious children .
supports the team in zürich in various areas .
for ourselves it is quite natural to have free access to high quality educational standards , for most of the people especially the ones that belong to developing countries this is not the case . to obtain a long - lasting effect as a non - profit organization and thereby work as efficient as possible , it is important to guarantee that at least high potentials from disadvantaged regions get equal educational opportunities . i am proud to be part of a team starting at this particular point and therefore helping to improve the economic , social and intercultural development of the corresponding countries . florian . becker @ urltoken
responsible for strategic partnerships and business development . chief operating officer with mymoneypark , former engagement manager with mckinsey & company . m . b . a from the university of cambridge , founding member of the uk chapter
“i chose to become an aiducator because i believe in the concept , it gave me an amazing platform to make an impact , and the team is enthusiastic , entrepreneurial and keen to grow . ”
we maximize the impact of each cent donated - 90 % of each scholarship donations are invested into education .
visit our team pages listed by chapter below in order to meet our dedicated team members .
account details ubs ag ch - 4002 basel iban : ch24 0023 3233 12090901a account - nr . : 233 - 12090901a bic : ubswchzh80a post account : 80 - 2 - 2
one key to our team’s success is operating like a business while maintaining the soul of a charity . we keep our processes and concept simple to let us operate with volunteers rather than employees . this allows us to develop the skills of motivated professionals and deliver over 90 % of your donation directly to the school fees for our aidufellows
we would like to introduce our small team of leaders , listed below , who oversee the operations of all the chapters with the support of an experienced advisory board .
account details ubs ag ch - 4002 basel iban : ch24 0023 3233 120909 01a account - nr . : 233 - 120909 bic : ubswchzh80a post account : 80 - 2 - 2
provides it support and manages the website . assistent professor at the university of toronto .
leads public relations , designs marketing materials and organizes events . creative director , magister in graphic design , vienna , ma creative practice for narrative environments , london .
i see investment in education as the most sustainable form of foreign aid policy . i enjoy being part of a great team and learning more about the different countries we are expanding to as well as getting to know many interesting people - including aidumakers , aiducators , and aiduseekers .
provides general legal advice with focus on legal structuring and corporate governance . attorney ( lic . iur . , admitted in switzerland ) based in zurich specializing in corporate and commercial law .
supports with all major administrative work ( progress reports , updates , videos , aidufriendships , profile creation etc . ) . retired personal assistant with experience in developing countries .
many years of experience in marketing , event management and project management . certificate of advanced studies in management , hsg st . gallen ( august 2018 ) . university degrees in marketing and communication at the university of ljubljana ( slovenia ) .
helps maintaing student profiles up to date ( progress reports , updates , videos ) . document quality specialist , syngenta crop protection , basel , foreign language correspondent .
helps with profile creation of new applicants and fundraising activities . candidate for a msc in finance from the london school of economics and political science ( lse ) .
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for our aidufellows and alumni from keyna - find below a few events you might be interested in : interested in advancing your knowledge in self . . .
the zühlke innovation academy is very much about doing things and the participants therefore started to create the first prototypes to tackle the challenge of e - waste already on our second day ! fantastic outcomes . . .
from ideas to customer journeys - from challenges to needs . applied design thinking together with our zühlke mentors on day 1 . this is going to be intense !
today , we will learn about what design thinking is from mentor roland seiler , how to find the real need from mentor nicole feusi and how to define personas and scenarios by mentor david fiebig we also had a special . . .
complex challenges require innovative solutions - therefore aidcuation and pathways philippines are partnering with zühlke engineering this week and expose the students to desing thinking . today the first zühlke . . .
we welcome all the new aidufellows 2018 class to our aidufamily , the journey to build a better kenya starts here , they all committed to build a better kenya , to create impact in their communities after receiving a . . .
we are thrilled to share exciting news and announce that roche , one of the biggest pharmaceutical companies in . . .
stanley a young man from malindi , kenya wants to become an engineer and ensure that the streets in his community . . .
tensions in kenya are rising , we are hopeful and call upon all parties involved to use your energies to build a . . .
some of you might remember one of our aidualumni , peter safari , the founder of sephrin art , and one of the . . .
twitter may be over capacity or experiencing a momentary hiccup . try again or visit twitter status for more information .


michigan schools and government credit union -- is headquartered in charter clinton township , michigan , and has a membership size of more than 100,000 and assets of over $ 1.5 billion as of may 31 , 2014 .

msgcu is a not-for-profit financial institution , which is owned and operated by its members .

the credit union is regulated under the authority of the national credit union administration ( ncua ) , which means its members ' deposits are federally insured up to $ 250,000 .

michigan schools and government credit union currently has 11 branches located throughout macomb and oakland counties .

it also belongs to the co-op network of atms and credit union service centers .

this network allows members to utilize more than 30,000 atm locations and 4,400 service centers nationwide .

michigan schools & government credit union is federally insured by the national credit union administration .
glassdoor has 34 michigan schools and government credit union reviews submitted anonymously by michigan schools and government credit union employees . read employee reviews and ratings on glassdoor to decide if michigan schools and government credit union is right for you .
with michigan schools and government credit union , you ' ll move ahead of the curve .
peace of mind comes with a low - rate home loan from michigan schools and government credit union .
glassdoor gives you an inside look at what it ' s like to work at michigan schools and government credit union , including salaries , reviews , office photos , and more . this is the michigan schools and government credit union company profile . all content is posted anonymously by employees working at michigan schools and government credit union .
you can keep up with michigan schools and government credit union news by reading our quarterly newsletter , the common interest .
with these values acting as our core belief system , you can always expect fair , honest service at michigan schools and government credit union .
michigan schools and government credit union offers competitive , industry - leading pricing on jumbo mortgage loans * with flexibility for home financing on larger loans .
at michigan schools and government credit union ( msgcu ) , our employees embody the values needed to help our members and their families acheive their financial goals .
i applied online . the process took 3 weeks . i interviewed at michigan schools and government credit union ( troy , mi ) in january 2014 .
these are the abilities that allow michigan schools and government credit union ( msgcu ) to provide the tools members and their families need to reach their financial goals .
michigan schools and government credit union offers an exceptional total rewards package ( pay , benefits , etc . ) and is proud to be an equal opportunity employer .
michigan schools and government credit union operates with sound financial principles . we , therefore , are able to provide the products and services members need to reach their financial goals .
another good source of financial advice is the common interest newsletter issued quarterly by the michigan schools and government credit union . the publication comes free with your msgcu membership .
for over 60 years , our members have been reaching their financial goals using the resources they gain through their membership with michigan schools and government credit union ( “msgcu” ) .
for more than 60 years , our members have been reaching their financial goals using the resources they gain through their membership with michigan schools and government credit union ( msgcu ) .
we continue to strive to be the best and , with the help of our talented team members , members , and surrounding communities , michigan schools and government credit union has received the following awards .
members also receive exceptional convenience from tools that provide 24 / 7 access . at no cost , you can check balances , pay bills , transfer funds and make loan payments without visiting a michigan schools and government credit union branch .
for more information on michigan schools and government credit union and the 2013 msgcu classroom cash grant program , please visit urltoken and www . classroomcash . org , or telephone msgcu at ( 586 ) 263 - 8800 or ( 866 ) - msgcu4u .
at michigan schools and government credit union ( msgcu ) , our mission statement is
we are a caring organization dedicated to promoting financial success for our members .
we provide the resources for members and their families to reach their financial goals .
about michigan schools and government credit union : named one of the top workplaces in michigan by the detroit free press in 2014 and 2013 , michigan schools and government credit union has been providing quality financial services to its members for almost 60 years . with 11 offices located throughout macomb and oakland counties , msgcu has more than 95 , 000 members , $ 1 . 5 billion in assets and 270 employees . for more than 20 years , the credit union has earned five stars , the highest possible rating , as reported by bauerfinancial . in addition , msgcu has earned high member satisfaction ratings , scoring 97 % or higher for more than 10 years .
the michigan schools and government credit union ( msgcu ) has announced the winners of its fifth annual adults moving forward college scholarship . three metro detroiters were awarded $ 2 , 000 scholarships to use toward tuition while attending a michigan college , university , trade or vocational school , or accredited certification program .
michigan schools and government credit union , like all financial institutions , is required to comply with many regulations . one regulation in particular is regulation d . to learn more about this regulation and how it might impact you , please review the frequently asked questions below .
clinton township , mi ( october 28 , 2013 ) — fifty - seven teachers in eight counties in southeast michigan will be able to implement innovative projects in their classrooms , thanks to more than $ 40 , 000 in special grants from michigan schools and government credit union’s ( msgcu ) classroom cash program .
there ' s no charge to join either the save - a - lot squad or mymoney . club . to sign someone up for either group , call michigan schools and government credit union at 866 . 674 . 2848 or visit one of our branches .
michigan schools and government credit union was recognized as one of the top workplaces in michigan by the detroit free press for the past five years . results were based solely on employee surveys conducted by workplace dynamics . companies were measured on several qualities such as company leadership , career opportunities , workplace flexibility , compensation and benefits .
clinton township , mi ( april 14 , 2015 ) — an afternoon visit to michigan schools and government credit union ( msgcu ) turned into a celebration for two chesterfield students as they were honored for being msgcu’s 100 , 000 th ( and 100 , 001 st ) member .
clinton township , mi ( october 28 , 2014 ) — thanks to more than $ 40 , 000 in special grants from michigan schools and government credit union ( msgcu ) , teachers across metro detroit will be now be able to implement innovative projects and learning experiences in their classrooms .
about michigan schools and government credit union msgcu for nearly 60 years , michigan schools and government credit union has provided quality financial services to its members . founded by several teachers , msgcu now has more than 75 , 000 members , $ 1 . 33 billion in assets and more than 240 employees . the credit union has consistently received bauer financial’s highest rating , five stars , and obtained a member satisfaction rating of more than 97 % in 2013 . with 11 offices located throughout macomb and oakland counties , msgcu offers a full range of personal and business - related financial services . for more information , visit urltoken or call ( 586 ) 263 - 8800 or 1 - ( 866 ) - msgcu4u .
our team members also receive discounts on michigan schools and government credit union mortgages , verizon wireless cellphone service , and microsoft office home use . msgcu is proud to be an equal opportunity employer . if you have an interest in being part of our growing organization , we’d love to talk to you !
- a user - friendly ipad application . - search for specific transactions on your account using keywords - print history and balances using the airprint functionality - be informed about all of the credit union’s latest news with easy access to michigan schools and government credit union’s facebook and twitter please note : if you have a first - generation ipad , you may have issues with viewing history in this version . we apologize for any inconvenience this may cause .
in order your family to reach its goals , you are careful about how you spend and invest your money . at michigan schools and government credit union , we share your dedication to using resources efficiently . since we invest only in things that can help us better service you and meet your needs , we are able to remain financially strong now and in the years to come .
1 . why would i want to use online banking ? michigan schools and government credit union ' s free online banking service brings your accounts to you in a convenient and user - friendly format , 24 hours a day , 7 days a week . accessing your account through our online banking service saves time and allows you to reach your account anywhere there is an internet connection .
home > financial resource center home > u . s . 1040 tax estimator > exclusive discount on turbotax just for credit union members
educational workshops . credit union representatives conduct free workshops on topics such as money management , home buying , retirement planning , budgeting , and identity theft solutions .
clawson public schools ( 1 ) : debbie smith , paul a . schalm elementary school
a small group of school teachers in macomb county founded msgcu in 1954 , then known as macomb schools and government credit union . over the years , offices have opened , branches have moved , and our membership has grown to more than 115 , 000 . however , through it all , our focus has remained on providing the best financial services possible .
“as a credit union that serves educators , we are constantly in awe of the boundless dedication , creativity and passion our teachers give their students each day , ” peter gates , michigan schools and government credit union president and ceo , said . “from building butterfly gardens to bringing innovative technology into the classroom , this year’s classroom cash grant recipients have come up with many out - of - the - box learning opportunities . we strongly believe in the power of education , so it is our honor to assist these devoted teachers with their educational goals as they continue to enrich students both in and out of the classroom . ”
we are honored that we can now serve our friends and neighbors in lower michigan , as well .
the executive team believes that they are still a smaller credit union and able to be effective at being actively involved in operational issues . this is not the case , and another level of management between the executives and the front line managers is needed in order to continue to effectively lead the credit union while assuring that resources are being used for the maximum benefit of the credit union and its members . the ceo needs to learn to manage the executive team as a sinlge unit and not disparate and disconnected functions in order to be able to develop and effectively drive a unified strategy and vision . further , the board needs to become less of a hands off figurehead and more actively involved in assuring that the credit union has effective executive leadership and a long term strategy and vision .
as a not - for - profit financial institution , we return revenue to members by providing lower loan rates and higher savings rates . our field of membership is broad and includes educational and government employees ; students and alumni ; retirees ; and residents in the lower penninsula of michigan .
more than 45 million americans are expected to prepare their own taxes this year . self - preparation can be a quick , easy , and affordable option , and if your credit union is one of the more than 3 , 000 participating in the love my credit union rewards program , then you’re probably eligible for an exclusive discount on certain turbotax products .
there’s no need to visit a michigan schools & government credit union branch to do your banking . you don’t even have to be at home or work . with a mobile device and the msgcu app , you can manage your money from anywhere in a matter of moments . when you’re always on the go , flexibility matters . • mobile banking gives you free , 24 / 7 access to your accounts , using just your thumbprint * • check balances and account transaction history , transfer money , and view copies of cleared checks • pay bills electronically , quickly and easily • deposit checks from anywhere by simply taking photos of the front and back • find the nearest msgcu branches and network atms all your transactions can be worry - free . sophisticated encryption provides secure communications . additional security measures block unauthorized access and protect your personal data . to use msgcu mobile banking app , you must be a michigan schools & government credit union member and enrolled in our online banking service . to sign up , visit urltoken federally insured by ncua . * for touchid - enabled apple ios devices .
msgcu is a solid credit union that provides a great service experience to its members . benefits are very strong but you will trade off in other areas . team members are friendly and generally a pleasure with which to work . mandatory training provides a good foundation for effective communications and is practiced by most . the credit union is slowly improving its project management practices but has a long way to go to fully take advantage of this discipline .
members are the soul of msgcu . you and your money deserve the a + treatment from a credit union that respects your opinion , prioritizes your needs and works hard to help you improve your financial wellbeing . we make it easy for eligible members to join .
with our roots still heavily intertwined with school employees , we strongly believe in the power of education and in furthering the learning experiences of our youth . each year , we distribute more than $ 80 , 000 worth of scholarships to area high school students and adults enrolled in college . additionally , the credit union annually distributes over 60 grants , totaling nearly $ 45 , 000 , to help educators fund classroom projects . another example of how the credit union provides resources to help members .
msgcu’s classroom cash grant program was open to all teachers in the eight county region in southeast michigan served by msgcu : genesee , lapeer , livingston , macomb , oakland , st . clair , washtenaw and wayne counties , including educators serving in public , private , parochial or charter schools .
from protecting vehicles and houses to ensuring family members are provided for , we help michigan families find affordable insurance policies with coverage that suits their unique needs .
the michigan credit union league ( mcul ) honored us with three first place awards in 2016 . we won the desjardins adult financial education award for providing a variety of workshops for adult members a well as one - to - one services to addres financial matters . we received the desjardins youth financial education award for our participation in a new personal finance challenge competition for local high schools , financial reality fairs , money smart week , and youth workshops . we earned a louise herring award for our support of local first responders through our giving back and scholarship programs .
desjardins youth financial education award for our participation in a new personal finance challenge competition for local high schools , financial reality fairs , money smart week , and youth workshops .
the credit union’s annual classroom cash grant program awards up to $ 750 to educators seeking extra funding for their learning plans . in honor of msgcu’s upcoming 60 th anniversary , 60 projects were awarded grants of up to $ 750 each .
our team members develop relationships with local organizations that provide education and basic needs to our communities at large . we donate time and money to raise awareness about important issues affecting all of us throughout michigan .
applicants selected for further consideration will be contacted by email or phone to complete next steps , which typically involve a phone interview and a credit review .
you are eligible to become an msgcu member if you reside , work , attend school , or worship in any county in michigan’s lower peninsula .
5 . what loans can i pay using msgcu quickpay ? through msgcu quickpay , you are able to make payments on any loan that you have with the credit union . this includes mortgages , personal loans , auto loans , visa credit cards , and more . to make a payment to your msgcu visa credit card , click on “ pay my msgcu classic or titanium visa card ” to make a payment to any other msgcu loan , including auto , mortgage , personal , etc . , click “ pay my other msgcu loans ”
we are excited to announce that mobile pay is now available to our members with apple and android devices . it ' s safe , secure and easy to set up for any of your msgcu debit and credit cards .
use this form to email an msgcu representative , located right here in michigan , for information about products and membership . you ' ll hear from us soon so we can discuss your particular question and address your needs .
we are deeply committed to the michigan communities we serve and we ' re proud to be part of the local fabric — volunteering time , donating resources , and offering free educational programs — helping friends and neighbors learn how to optimize their financial well - being and bring their dreams to life .
the core principle of all credit unions is people helping people . we take it one step further by showing support for all our members and the communities we serve .
we understand that great rates and low fees are high priorities when choosing a financial partner . as a not - for - profit credit union , we are able to structure our loan and savings products to benefit you , not a group of outside investors . nothing satisfies us more than saving you money with a better rate or a smarter solution .
feel right at home when you visit participating credit unions in all 50 states . for easy access to your money wherever you go .
recently named outstanding credit union of the year ( 2015 ) , msgcu has been providing quality financial services to the community for more than 60 years . founded by a small group of educators , msgcu offers a full range of loan , savings and checking , credit card , mortgage and insurance products for consumers and businesses . with 11 offices in macomb and oakland counties , msgcu has more than 100 , 000 members , $ 1 . 5 billion in assets and has earned 97 % member satisfaction ratings for the past ten years . msgcu has also earned five stars , as reported by bauerfinancial , for more than 20 years .
the core principle of all credit unions is people helping people . we take it one step further by showing our support for all our members and the communities in which we serve .
financial counseling . msgcu offers free financial counseling through a partnership with a non - profit group called greenpath . members can receive help with budgeting , credit reports , money management , debt repayment and avoiding bankruptcy and foreclosure .
msgcu’s classroom cash grant program was open to all teachers in the eight - county region served by msgcu : genesee , lapeer , livingston , macomb , oakland , st . clair , washtenaw and wayne counties . educators in public , private , parochial and charter schools were eligible
for more than 60 years , we have worked to serve as financial advocates for educators , civil servants , and their families in the michigan counties of genesee , lapeer , livingston , macomb , oakland , st . clair , washtenaw , and wayne , including :
1 . what is regulation d ? federal regulation d ( reserve requirements ) places a monthly limit on the number of transfers or electronic withdrawals you may make from your membership shares ( savings ) , secondary shares , silver and gold savings , and money market checking accounts when these transactions are not made in person at the credit union or at an atm . regulation d limits apply to the following msgcu transactions :
all financial institutions are not created equally . as a credit union , msgcu is a unique , full - service institution owned by members , not stockholders , and directed by volunteers . that means the focus is always on you . when you join msgcu , you start saving more with lower rates on loans and higher dividends on deposit accounts . together , we ' re a great team on the path to greater financial strength .
it has been a year of milestones for msgcu . in addition to celebrating 60 years of business , msgcu was named outstanding credit union of the year ( by mcul ) and a top 100 workplace ( by the detroit free press ) . they are preparing to break ground for their 12 th branch on the livonia / farmington border , which is scheduled to open before the end of the year .
chippewa valley schools ( 6 ) : janet frye & kathleen stryjecki , erie elementary school ; tami wilkowski , seneca middle school ; dr . jessica thomas , shawnee elementary school ; gina vigiletti & jessica thoel , wyandot middle school
norm has more than 17 years of experience in the financial industry , nine of them with msgcu . he started as assistant branch manager in troy and managed the opening of the royal oak branch in 2012 . he now manages the main office , where he also serves as a credit union certified financial counselors . along the way , he earned his bachelor’s degree from southern new hampshire university with a concentration in leadership .
all credit unions operate under the philosophy of people helping people . this perfectly emphasizes that we are here for you…plain and simple . with our mission and set of values , we not only strive to promote financial success for our members , but we do so in a way that is fair , honest , and beneficial to you and all of our members .
for all other loans — such as auto , mortgage , or personal loans — you can not only transfer funds from another financial institution , but you can also use a non - msgcu debit or credit card with the mastercard or discover logos or a debit card with the visa logo . msgcu quickpay does not accept american express or visa credit card payments .
southfield public schools ( 4 ) : hank lewandowski , glen w . levey middle school ; denise bush , thompson k - 8 international academy ; torrie mass , southfield - lathrup high school ; lisa winston , vandenberg world cultures academy
shares and deposits increased by $ 65 . 5 billion ( 5 . 8 % ) from march 31 , 2017 , ending the first quarter 2018 at $ 1 . 204 trillion . while that number pales in comparison to the nation’s banks ( roughly 10 % ) , it has been growing steadily for years . in fact , the largest three u . s . banks each have deposits totaling more than the entire credit union industry .
msgcu was recognized as one of the top workplaces in michigan by the detroit free press in 2016 , 2015 , 2014 and 2013 . results are based solely on feedback from employee surveys conducted by workplace dynamics . companies are measured on several qualities such as company leadership , career opportunities , workplace flexibility , compensation and benefits .
our talent acquisition consultant and hiring managers will review your application against the specified requirements and preferences .
ability to assist members with credit and loan needs , serve great starbucks coffee at the branches . ( you don ' t need to be a member - bring your own cup too ) vacation as much as you want , sick time too !
msgcu was recognized as one of the top workplaces in michigan by the detroit free press for the last five years . results are based on employee surveys conducted by workplace dynamics . companies are measured on qualities such as company leadership , career opportunities , compensation , workplace flexibility , and benefits .
“we have a responsibility to both bankers and their customers and we take that responsibility very seriously . ”
no career path in most areas . however , senior management , and specifically it management , will continue to be this credit union ' s greatest weakness that will hold back its ultimate success . there is no understanding of modern it management methods , nor is there a cohesive long term strategy for technology to service the membership . as a result , the it team is continually frustrated and their professional input generally ignored , resulting in departmental chaos , stress and turnover . the lack of effective executive leadership in it forces the rest of the executive team to flounder in seeking their own solutions and further adding to the chaos in this otherwise positive member - focused environment . there are a lot of great teams to work for within msgcu , but it is not one of them unless you are willing to suffer through an ignored lack of work / life balance and the ineffective decisions of a short - sighted management team . finally , this credit union is more concerned about how things look , than how they are in reality . as long as what is shown to members , the board , and auditors / examiners looks good ( as in perfect ) , then the truth is inconsequential .
it’s a fun environment to work in . great people and always trainings and great social events .
bank and credit union data compiled from financial data for the period noted , as reported to federal regulators . the financial data obtained from these sources is consistently reliable , although ; the accuracy and completeness of the data cannot be guaranteed by bauerfinancial , inc . . bauerfinancial relies upon this data in its judgment and in rendering its opinion ( e . g . determination of star ratings ) as well as supplying the data fields incorporated herein . bauerfinancial , inc . is not a financial advisor ; it is an independent bank research firm . bauerfinancial is a registered trademark . any unauthorized use of its content , logos , name , and / or star - ratings is forbidden .
if municipal sewer and water is not available , land must be able to support a well and septic system .
members and communities are at the center of everything that we do . you have goals to reach and dreams to achieve , and we are here to help you prosper .
our branches in macomb , oakland , and wayne counties serve thousands of members , including many in the surrounding counties of genesee , lapeer , livingston , st . clair , and washtenaw . in fact , anyone living or working in michigan’s lower peninsula is eligible to become a member . we are also available to all of our members online , via phone , or through our mobile app .
find the information you need about products and services , financial education , and more — easier than ever . and if you have any questions , feel free to contact us .
with more than 120 , 000 members and a 97 % satisfaction rating 10 years running , our team members are your financial advocates . from checking and savings , to loans and mortgages , to financial education and guidance , we provide valuable services you want and a team dedicated to getting you where you want to be .
at msgcu , we offer quick qualifying and an easy process from application to close while offering record - low interest rates and fees .
“msgcu serves educators , and we strongly believe in the power of education . we are continually amazed by how much energy , creativity and passion teachers bring to their students , ” said president and ceo peter gates .
2 . what if i don ' t know my member account number ? your member number is located on the member id card you were issued at the time you opened your msgcu account . if you are unable to locate your member id card and wish to obtain a replacement , you may do so in person at any branch location or by calling the credit union to request a new member id card be mailed to the address listed on your account . to request a replacement card by phone , please contact an msgcu representative at 586 . 263 . 8800 or 866 . 674 . 2848 . for security reasons , we cannot disclose account numbers over the phone .
the advantages of online banking go on and on . and all these services are free . our members can order new checks , view monthly account estatements , receive emailed account alerts , and export transaction history to financial software . and rest assured , we have state - of - the - art systems to secure our servers and networks , with additional layers of security to safeguard your personal and account information . for specific details , review our security information .
founded by a small group of teachers , principals , and other school employees in 1954 , msgcu offers a full range of loan , savings and checking products and financial services for consumers and businesses . for more information , visit urltoken or call 586 . 263 . 8800 or 1 . 866 . msgcu4u .
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it ' s simple and secure to open an msgcu membership online . our application usually takes less than 10 minutes and you can fund your new account right away .
simply log in to online banking and select new accounts . you can open savings and checking accounts , as well as cds , in just a matter of minutes .
follow the on - screen prompts to verify your identity and create your new password .
we ' ve created a friendly , engaging environment where merit and skill are rewarded .
at msgcu , we measure our success in terms of yours . members and communities are at the center of everything that we believe in and everything that we do . you have goals to reach and dreams to achieve , and we are here to help you prosper . we believe that every conversation we have with you — every day — matters . that’s why our team members are friendly , helpful , and ready to listen . while other institutions are most concerned with their bottom line , we are interested in being an advocate and a trusted advisor — solving problems and providing smart , sensible solutions that fit your particular needs .
assumptions : the payment is based on a $ 250 , 000 loan amount and consists of principal and interest only . the payment does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 295 , an underwriting fee of $ 450 and 0 . 25 % discount point ( $ 400 ) .
we not only strive to provide fair and competitive offerings , but we act with integrity .
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2 . is online banking secure ? absolutely ! the security of your personal information is of the utmost importance to us . we have state - of - the - art systems to secure our computer servers and networks and several additional layers of security to ensure your personal and account information remains safe and secure . for specific details about our online security , see our security information .
fixed - rate assumptions : the payment is based on a $ 500 , 000 loan amount and consists of principal and interest only . the payment does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 395 , an underwriting fee of $ 450 and 0 . 25 % discount point ( $ 400 ) .
the app keeps locking me out even though i use the correct password . i ' m a cosigner for my husband who is disabled and whenever i get locked out i can ' t get the online account info unless my husband who has issues communicating calls in , even though the loan goes on my credit too ! what a bunch of dookie . when i asked them how i can be added , they said i could fax in a letter of consent from my husband , they have no actual form like a professional operation should provide and no way to verify receipt . the hassle was not worth the . 25 % interest savings and i will be refinancing with a company who realizes it ' s 2016 and provides adequate support to manage my account .
msgcu offers generous cd rates and friendly people to help you take the next steps to success .
what an impressive group of students and educators live in our communities ! after careful review and consideration , we awarded scholarships worth more than $ 100 , 000 to 31 deserving candidates this year .
requires ios 8 . 4 or later . compatible with iphone , ipad , and ipod touch .
scholarship opportunities . high school seniors , college students pursuing careers in education and school teachers and administrators who want to continue their studies can all apply for msgcu scholarships that help offset college costs .
save - a - lot squad . this club is a great way for kids up to age 12 to learn about saving money . once a young person opens an account , he or she gets prizes for additional deposits , birthday cards and gifts and access to fun contests and activities .
louise herring award for our support of local first responders through our giving back and scholarship programs .
did phone interview with hr over the phone . then i did a in house interview and once that was complete a week later , i did a group interview with the manager and cio .
for more information about the classroom cash grant program and the winning grant recipients , visit urltoken .
assumptions : the initial payment is based on a $ 250 , 000 loan amount , amortized for 30 years . the interest rate is variable and subject to change after 5 years . after the initial 5 years , the principal and interest payment can change every year for the remaining life of the loan . the payment consists of principal and interest and does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 295 , an underwriting fee of $ 450 and 0 . 25 % discount point ( $ 400 ) .
* * fixed - rate assumptions : the payment is based on a $ 50 , 000 loan amount and consists of principal and interest only . the payment does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 395 , an underwriting fee of $ 450 and 0 . 25 % discount point ( $ 400 ) .
morgan freshney ( 12 ) , and her brother dawson ( 10 ) , arrived at the main office branch with their mother on friday , april 10 to open new memberships and savings accounts at msgcu .
* * adjustable - rate assumptions : the initial payment is based on a $ 50 , 000 loan amount , amortized for 30 years . the interest rate is variable and subject to change after 5 years . after the initial 5 years , the principal and interest payment can change every year for the remaining life of the loan . the payment consists of principal and interest and does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 395 , an underwriting fee of $ 450 and 0 . 25 % discount point ( $ 400 ) . .
adjustable - rate assumptions : the initial payment is based on a $ 500 , 000 loan amount , amortized for 30 years . the interest rate is variable and subject to change after 5 years . after the initial 5 years , the principal and interest payment can change every year for the remaining life of the loan . the payment consists of principal and interest and does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a the apr includes a processing fee of $ 395 , an underwriting fee of $ 450 and 0 . 25 % discount point ( $ 400 ) .
that ' s more than most of the biggest banks . and it includes selected locations where you shop , like 7 - eleven , circle k , costco , publix , dunkin donuts and rite - aid .
arts academy in the woods was a recipient of an msgcu classroom cash grant and their very creative students sent us this awesome video as a thank you . we are proud to support our students and educators !
* * fixed - rate assumptions : the payment is based on a $ 250 , 000 loan amount and consists of principal and interest only . the payment does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 395 , an underwriting fee of $ 450 and assumes a loan - to - value ( ltv ) of 96 . 5 % .
* * adjustable - rate assumptions : the initial payment is based on a $ 250 , 000 loan amount , amortized for 30 years . the interest rate is variable and subject to change after 5 years . after the initial 5 years , the principal and interest payment can change every year for the remaining life of the loan . the payment consists of principal and interest and does not include taxes and insurance premiums . the actual payment amount will be greater . the apr includes a processing fee of $ 395 , an underwriting fee of $ 450 and assumes a loan - to - value ( ltv ) of 96 . 5 % .
1 . what information do i need in order to log in / register to msgcu quickpay ? all you need is your msgcu member account number and loan id for your consumer loan and / or mortgage loan .
explore the many benefits of having a premium branded profile on glassdoor , like increased influence and advanced analytics .
our team members embody the following values needed to help our members and their families acheive their financial goals .
continue to focus on team member career advancement and recognition . maintain excellent benefit package . hold management accountable .
hello msgcu teammate and thank you for your comments . i agree that msgcu is a flexible employer with top - notch team members . our highly engaged team is part of our recipe for success and is no doubt
remove all those layers you never had and listen to you long term employees or enjoy that revolving door .
at msgcu , we abide by this mission :
we are a caring organization dedicated to promoting financial success for our members .
and every decision and direction is guided by the
people helping people
philosophy .
you guys do a super job , i ' ve had nothing but praise from the regulators and our board .
our checking account , which is not limited by regulation d , can be used for regular transfers and withdrawals .
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if the community reinvestment act ( cra ) were a person , we may be inclined to agree with congressman week’s assessment that cra is experiencing a midlife crists… but it’s not . it’s old and outdated and needs to be rejuvenated .
a small group of local educators founded msgcu in 1954 , and education and public service have been part of our culture since day one . we value people over profits ; at msgcu , we have your best interests at heart .
“when msgcu was founded 60 years ago , we had 12 members , ” said president and ceo peter gates . “our growth is a testament to the strength of our institution and , more importantly , the loyalty of our members . ”
photo caption : from left to right : branch manager darius mikalonis , assistant branch manager kirsten poreda , morgan freshney , msgcu president and ceo pete gates , dawson freshney , member service representative jacki bretz and member service representative stefanie throckmorton .
anytime you wish to access your account going forward , simply log into online banking with your account number and password .
additional interviews and assessments may be required during subsequent stages of the selection process . msgcu uses the behavorial interviewing method .
mymoney . club . this club teaches teens ages 13 to 17 the basics of money management . after opening an account , members can attend free financial education seminars , learn more about college aid and planning , and apply for special scholarships .
get started on the path to a rewarding career at msgcu . take a look at our latest opportunities and apply online .
fha loans are available to first - time home buyers and require a down payment as low as 3 . 5 % .
once your application has been completed and submitted , you will receive a system - generated email confirming receipt of your application .
we are a caring organization dedicated to promoting financial success for our members . we provide the resources for members and their families to reach their financial goals and strive to ensure that our efforts exceed their expectations . we live the philosophy of . . .
so you guys decide after face id comes out almost two months ago to go ahead and jump back several years and update your app for touch id hmmmmmmm🤔 not to mention the app never works on saturday nights ( this includes the website also ) . you guys have to do better . maybe you guys can stop remodeling the buildings and put that money into an actual app developer .
on a positive note the app’s new design and interface is actually great ( minus the fact that face id is missing ) .
so you guys decide after face id comes out almost two months ago to go ahead and jump back several years and update your app for touch id hmmmmmmm🤔 not to mention the app never works on saturday nights ( this includes the website also ) . you guys have to do better . maybe you guys can stop remodeling the buildings and put that money into an actual app developer . on a positive note the app’s new design and interface is actually great ( minus the fact that face id is missing ) .
we make it easy to open a checking account that’s easy to love . there are no monthly fees or minimum balance requirements . and our online and mobile banking services are available 24 / 7 . learn how to get your $ 175 welcome gift at urltoken .
referral rewards . msgcu members receive $ 5 for every person they refer who also becomes a member . you get $ 25 when you refer someone who gets an auto or rv loan , and $ 100 when you bring in friends and family members who obtain mortgages .
a complete financial portfolio requires the appropriate insurance . msgcu provides access to policies to protect the most important people and things in life .
with such a strong emphasis on trust , we not only strive to provide fair and competitive offerings , but we act with integrity .
to make a payment , log into msgcu quickpay using your account number and loan id . and don ' t forget , there are many other ways for our members to make loan payments on time every month , including in person , online , or over the phone .
investment consultations . almost everyone can use help deciding when to go beyond savings accounts and money market accounts and start putting money into stocks or some other investment . msgcu ' s experts can help you build a clear plan for the future ; just schedule a free consultation .
the following browsers support tls 1 . 1 and tls 1 . 2 protocols , which are required to securely log in to online banking :
while we love the small bank life , msgcu needs to get with the times . it would be so much more convenient if i could utilize touch id to log in and if they would start using applepay ! i want my information to be secure and i want it to be easy . this app is old and outdated . i appreciate the updated buildings , but 99 % of people do their banking from their mobile device . update the app and website ! ! ! apple pay ! ! ! apple pay ! ! ! apple pay ! ! !
would you like to see what it ' s like to work as an msgcu team member ? read their personal stories of service and success .
discounts on insurance products . members get great rates on auto , homeowners , and life insurance provided through our partnership with the trustage insurance program .
msgcu operates with sound financial principles . we , therefore , are able to provide the products and services members need to reach their financial goals .
very good benefits package , they have one of the best 401k’s i’ve ever seen . generous time off and a great work / life balance .
company spends too much money in work events and gifts while most would benefit from a raise more then another company labeled mug or portable charger .
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applications from teachers garnered 25 , 000 votes from online users from nearly 40 countries . site visitors and supporters of the teachers – including students , parents , colleagues , friends and family – cast votes online for the proposal . voting occurred october 8 - 22 . awards were announced october 25 .
competitive salaries are just the starting point for msgcu team members . generous health benefits , vacation time and retirement plan contributions also come with the job .
we focus on building individual relationships with our members . we want to provide you with what you and your loved ones need to achieve your goals .
“while we were prepared to honor our 100 , 000 th member , we quickly adjusted our plan when morgan and dawson arrived together , ” said darius mikalonis , branch manager . “they are the future of msgcu and we were thrilled to have them both as our honored members for this momentous occasion . ”
5 . do you offer online tutorials / demos for basic online account transactions ? yes . we have demos for both online bill pay and online banking .
classroom presentations . we offer in - class programs and financial reality fairs to provide financial education in a fun , informative way for your students ' benefit .
pay could be little better , and job evaluations a little stingy . . . sales quotas too overly optimistic or aggressive , for the commissions paid out .
great benefits to start , pto and sick days . 401 k matching is awesome . nice people in all departments . that ' s only thing good .
no room to advance and pay is not competitive . they want you to do more than just what your hired for but without the pay for it .
because of our financial stability , msgcu continues to thrive in an economic environment where other financial institutions are failing . we have consistently achieved bauer financial ' s ( www . bauerfinancial . com ) highest rating , five stars , and boast a member satisfaction rate of 97 % . we are growing ; we currently have more than $ 1 . 8 billion dollars in assets and have 14 branches . all of this success means that your funds are safe , secure , and conveniently accessible .
4 . how do i log into online banking for the first time ? just go to our home page , and click on
new user ? enroll here
in the online banking section . follow the on - screen prompts to verify your identity and create your online account access password . once you have completed the registration process , you will automatically be logged into online banking . anytime you wish to access your account going forward , simply use the online banking section on the home page to enter your account number and password .