envy is a trademarked brand of the scilate apple variety .

scilate is the result of a cross between royal gala and braeburn .

it was developed in new zealand by hortresearch , submitted for a patent in 2008 and patented in 2009 .

distribution of the envy apple in north america began in 2009 through the oppenheimer group , and enza ( the new zealand apple and pear marketing board ) began small commercial volumes in 2012 in washington state .

in washington , the fruit surpassed 100,000 cartons for production in 2014 .

the companies anticipate harvesting 2 million cartons of the fruit by 2020 .

envy apples are being grown under licence in new zealand , washington ( u.s. state ) and chile .

field tests are also being done in the uk , france , and with organic cultivation in italy .

envy ( apple )

envy apple is the combination of a royal gala and braeburn . ruby red skin and white crisp , sweet flesh makes envy apples truly renowned .
i use to buy fuji apple , but i just brought some envy apple n it taste better then fuji . i’m going to change fuji time envy now . sweet n crispy .
oppy offers envy apples from new zealand and chile from june through september , and the wait is almost over . the new zealand envy apple crop is on the water .
the university of north carolina tarheels may be the 2017 ncaa basketball tournament champions , but the envy apple took home the 2017 apple madness “chomp - ionship . ”
“we are incredibly excited that consumers picked envy , proving envy’s truly exceptional widespread appeal , ” david nelley , vice president of categories at oppy , which manages production and sales of envy apples in the u . s .
“it was fun to see apple fans’ passion for their favorite varieties play out on social media . congrats to envy ! ”
america for t & g global , said in the release . t & g manages the envy apple global marketing efforts .
i not really into apples , but i was in a hurry and bought an envy apple on accident… . wow ! ! they are fabulous ! best apple i’ve ever had !
top - performing envy apple returns to the market next week - the produce news - covering fresh produce around the globe since 1897 .
the large envy™ apple ( species malus domestica ) is a recent new zealand cross between the braeburn and royal gala apple , developed and marketed by the oppenheimer group . it has the same parentage as the jazz apple , from the same producer .
“envy is selling extremely well in the u . s . , and being voted champion in this fun competition is truly awesome for the consumers who enjoy envy apple and for our passionate growers , ” joe barsi , president of north
“if an apple is your go - to snack of the day , you want to make it really tasty . what is really telling , however , is that envy is the favorite apple of several retail buyers . ”
beating out honeycrisp in the final contest , the envy was the winner of the u . s . apple association - sponsored tournament pitting 32 apple varieties in a five - round online competition , according to a news release .
the sweet taste and crunch of an envy apple makes it perfect for fresh out - of - hand eating . the flavor also lends well to cakes and pies . dice envy apples and mix with goat cheese to stuff chicken or pork . add bite - sized pieces of envy apples to chicken salads or a classic waldorf . because this new zealand hybrid doesn’t brown as quickly as other apple varieties , it makes a great sliced snack .
envy apples reach volume milestone - the produce news - covering fresh produce around the globe since 1897 .
spotter ' s comments : envy apples spotted at the boys farmers market militry trl delray beach fl .
throughout the event voters entered to win apple - related prizes from members including borton fruit , chelan fresh , domex superfresh growers , the michigan apple committee , new york apple association , new york apple sales , oppy , rainier fruit co . , red jacket orchards , ridgetop orchards , riveridge produce marketing , sage fruit co / and washington apple commission .
nelley urges retailers to promote envy at various points through the summer , assuring the bright red apple will acquire new fans with its crisp crunch and intense sweetness all season long .
there ' s an apple renaissance underway , an ever - expanding array of colors and tastes in the apple section of supermarkets and farmers markets .
honeycrisp came from the university of minnesota . apple breeders there cross - pollinated different apple trees , created new genetic combinations and picked this one .
envy apples are a round variety with striated , ruby red skin with green undertones . they have a crisp , sweet white flesh that will stay pure white for up to 10 hours before succumbing to oxidation and turning brown . envy apples have what are known as lenticels , or small pores , which allow gases to pass between the skin and the flesh of a fruit . the lenticels appear as specks on the envy apple ; the more specks , the sweeter the apple .
you must have eaten a nz jazz apple . try a ripe wa state jazz apple . september ambrosia apples from bc are nice . good website .
he said a faithful following and meaningful conversations had been part of envy’s character since the beginning of the venture .
envy apples are available almost year - round from sources in new zealand , chile , and the united states .
the arrival of the fresh - crop envy comes as a great relief to the popular fruit’s social media coordinator , whose days have been filled responding to messages from fans demanding envy since the washington crop sold out in march .
the latest apple from enza has a following any new fruit would envy . the aptly named apple will surpass the 100 , 000 - carton mark out of washington this season for the first time ever , as growers endeavor to feed the demand that continues to outpace supply .
enza growers in these quiet rural communities share the same environmentally purposeful growing techniques that are the envy of our industry .
how do you enjoy an apple this good ? let us count the ways .
my first new apple review in quite a few months and if you an avid eat like no one else fan , you would know i love reviewing apple varieties . this time i picked an apple from the other side of the planet . i found some envy apples out of new zealand recently at hiller’s in ann arbor , mi . this apple is a cross between two popular apples , the gala and braeburn two other apples that got their start in new zealand . these two apples have got together before to produce the jazz apple , which i find think is a sweet , crunchy apple with no flavor .
for a lot of people in the apple industry , this is an unsettling change .
“people are extremely eager to learn when they can find this apple again , ” said james milne , executive director of marketing at oppy , noting the daily onslaught of communication from envy fans . “we’re excited to tell our passionate envy seekers where they can buy it , instead of asking them to be patient until the fresh crop is back . ”
apple madness began in february at urltoken with a prediction period encouraging individuals to fill out their apple madness bracket for a chance to win a three - month supply of apples .
i haven’t eaten an apple in years . but i tried the envy and fell in love with apples all over again . very delicious . it is a great one all the way around . but they do spoil you…
kuhn is interested in another new child of honeycrisp , a variety called evercrisp . a group of midwestern apple growers created evercrisp , and they ' re managing it a little bit like a club apple — but with a crucial difference . if you want to grow this apple , you just sign up with the midwest apple improvement association and pay your dues .
indicators thus far are promising . “faithful following and meaningful conversations over social media have been part of envy’s character since the beginning . even while distribution has been limited by our modest volumes , people constantly comment on the intense flavor of the apple and want to know where they can find it , ” nelley said . “if an apple is your go - to snack of the day , you want to make it really tasty . what is really telling , however , is that envy is the favorite apple of several retail buyers . ”
envy demonstrated the strongest growth in pounds and also the strongest growth in retail sales of 11 premium apples in 2015 compared to 2014 .
envy apples are grown in several places worldwide . they were developed for new zealand’s climate , and continue to be grown in hawke’s bay on the north island and in nelson on the south island . they are also grown in chile and in washington state in the us . oppenheimer group , which also developed the jazz apple , developed this apple over a span of twenty - five years ; the first cross of this apple was made in 1985 . envy is proving to be a popular variety— sales doubled in volume between 2014 and 2015 .
to understand the new trend , start with the hottest apple variety of recent years : honeycrisp .
he added that the washington trademarked jazz apple crop had smaller sizes this season but demand was strong .
day after day , whether in blazing sun , pouring rain , biting cold , and blowing wind , our dedicated growers remain passionate about their envy apples .
the envytm apple eats as fantastically as it looks , with a crisp bite , and deliciously sweet flavour .
i just tried an envy and omg these are my new favorites . great taste , very crisp and very sweet . good either alone or in a salad !
. sorry i am showing favoritism in this family . envy is great for out of hand eating . i would use a more tart apple for baking / cooking . i might not necessarily seek them out but i might buy them again if i found them at a good price .
no , envy apples are non - gmo . to learn more about gmo & apples , check out my post : are sweetango apples gmo ? are any apples gmo ?
he noted that pricing is several dollars per box ahead of last year despite the uptick in volume , and the apple is performing beautifully in a range of channels , from club , to large - format national retail , to gourmet niche . envy is also in high demand for exports to asia .
i still remember the first day that i tasted it ,
says david bedford , one of the university ' s apple breeders . this new , as - yet - unnamed apple was crisp . bedford calls it
explosively crisp .
the envytm apple by enzafruit is an extremely robust apple that stands up well to the rigours of the modern supply chain . its exceptional storage abilities mean that it has a naturally longer shelf life , which enables it to reach end consumers in superb condition .
montreal â new zealand - based enza is bringing the envy apple to the north american market in a larger scale this season . marketed by the oppenheimer group , vancouver , british columbia , envy comes from the same cross , royal gala and braeburn , as the companyâs jazz apple . jazz has a lighter color and yellow accents , and envy is a deep red color , especially popular with asian markets , said tim jacometti , export manager for delica global , torrance , calif . âthis apple has consistently the same flavor , â jacometti said . âthatâs what asia really wants â a bright , red large crisp apple that stores well . â david nelley , pipfruit category manager for the oppenheimer group , said the envyâs larger size appeals to more consumers . âthese are peaking on 80s , where jazz peaks at 100 , â he said . âthis also is appealing to retailers . â envyâs new zealand season is june and july and the washington fruit is available in november and december . quantities are limited , nelley said . the apples are shipping to select retailers in western canada and northern california .
as an envy retail partner , you’re never alone . everything , from attractive packaging to near year - round availability , is designed to help you become an active part of the feeding frenzy .
the contest shared apple facts , recipe ideas and health research data with millions of consumers on social media , according to the release .
“we’re seeking key learnings that will enable us to design campaigns based on sound research . the goal is to sustain envy’s return to the grower and sales velocity at retail as its volume grows . ”
envy apples are grown using what is known as the integrated fruit production ( ifp ) method , which takes environmental concerns into account during apple growing . new zealand introduced this way of growing apples in 1996 , which involves the selective application of pesticides and fungicides based on need . about 90 % of new zealand’s apples are grown using ifp .
enza’s envy apples were first brought to north america by vancouver - based oppy in 2009 , and three years later the company harvested small commercial volumes for the market from new zealand , chile and washington itself .
“we’re in the midst of extensive consumer research into attitudes and purchasing behavior surrounding premium apples , ” said david nelley , apple and pear category director for the oppenheimer group . “we’re seeking key learnings that will enable us to design campaigns based on sound research . the goal is to sustain envy’s return to the grower and sales velocity at retail as its volume grows . ”
“we’re in the midst of extensive consumer research into attitudes and purchasing behavior surrounding premium apples , ” said oppy apple and pear category director david nelley .
philip baugher is right in the middle of it . he runs adams county nursery in aspers , pa . , in the heart of one of the biggest apple - growing areas on the east coast . when farmers are deciding what apple varieties to grow , they come to him to buy young trees .
baugher tells me he ' s trying to figure out , himself , what the new trend will mean for the industry . maybe it will be good , he says . maybe this club arrangement can help to promote new apple varieties , which apple growers have sometimes failed to do in the past .
there have been some very , very good apple varieties introduced over the past 30 years that have never , ever generated much interest ,
he says .
this has , in fact , happened to apple grower sydney kuhn .
we ' ve actually had customers at market ask us about sweetango ,
she says .
and we explain that it ' s a club variety , and we are not part of the club , so we cannot grow that apple .
“even while distribution has been limited by our modest volumes , people constantly comment on the intense flavor of the apple and want to know where they can find it .
more than 31 , 000 consumers voted for their favorite apple variety during the event , a 20 % increase from last year’s inaugural tournament , according to the release .
trial volumes of envy apples from new zealand were introduced in north america by the oppenheimer group in 2009 , but it wasn’t until 2012 that enza harvested the first small commercial volumes in washington state . grown for this market in new zealand , chile and washington , consumers will soon have access to bright red , sweet , crisp envy year - round . meanwhile , enza and oppy are preparing for the anticipated 2 million cartons that will be harvested in washington by 2020 by laying some important groundwork now .
“envy was bred specifically with the attributes of sweetness , intense flavor and crispness . as luck has it , it wants to grow large , red and is very slow to brown when sliced . this variety has a lot of good things going for it . ”
“we’re proud of that achievement , but not surprised , given that one super premium retailer in california told us envy has been the biggest item in terms of gross sales in the entire store for certain periods , ” nelley said in a press release . “cool nights and dry harvest days have colored up this season’s new zealand envy crop beautifully . our retail partners are in for a real treat , not only because the fruit looks and tastes so good , but its category contribution is proven and continues to come on strong . ”
it’s an apple grown for our busy , modern lives . a pure and pristine apple that’s a genuine work of orchard - growing genius . and one you can enjoy just about anywhere . with its extraordinary crunch and texture , refreshingly sweet palette and beautiful colours – it’s nature’s passport to a magical moment of indulgent time . brought to you from the world’s most caring growers .
“envy was bred specifically with the attributes of sweetness , intense flavor and crispness . as luck has it , it wants to grow large , red and is very slow to brown when sliced . this variety has a lot of good things going for it , ” nelley said .
we bought them this week in kerrville texas at a heb store . they were a little over $ 2 / lb . fantastic . i felt like i just ate a whole apple pie !
amco dial - a - slice adjustable apple corer and slicer : allows you to slice apples into either 8 or 16 pieces zyliss soft skin peeler : the best peeler i have ever owned . does a great job peeling an apple . mirro foley 2 - quart stainless steel food mill : a great tool for making your own applesauce . you can make the sauce without having to do any peeling .
consumers decided it was good ; so good , in fact , that they were willing to pay extra for it . and it dawned on people that there might be serious money in new apple varieties .
this is the future of the apple section in your supermarket , he says . apple - growing clubs will compete for shelf space . traditional
open
varieties , because they lack marketing muscle , will have trouble competing and may disappear .
it is going to be a world of managed brands , just like the soup aisle or the potato chip aisle or any other aisle ,
he says .
“we love the opportunity to merge march’s national nutrition month and bracket fever with this campaign , ” korenna wilson , director of consumer health and public relations at the apple association , said in the release .
the university of minnesota licensed it to a single group of apple growers — 45 of them , mainly in the states of washington , michigan and new york . the group is called the next big thing cooperative .
across both hemispheres , over three continents , enthusiastic orchard growers take a special pride in their envy apples , which are grown with just the right amount of balance and patience . they’re wonderfully healthy , but they taste like a treat . they’re guilt free , yet a good chunky size . with a crunch that invigorates the sense , and an aroma , flavour and taste that offer a sublime moment of escape in the busiest , most demanding of days . ( it’s little wonder apple growers are lining up to grow them ! ) .
it ' s incredible ,
says sydney kuhn , who owns kuhn orchards in cashtown , pa .
that apple has such a following at this point .
it ' s the most popular variety that kuhn sells , by far .
want to grow these apples ? you ' ll have to join the club : the salt new brands are reshaping the apple aisle of supermarkets . many are
club apples
- - varieties that are controlled and managed by select groups of farmers .
envytm is a drop dead gorgeous apple , with a full figured , intensely red skin , which belies its parentage as a royal gala / braeburn cross . it is lightly russeted , which gives it a natural look , and has creamy , white flesh .
anyone could plant a honeycrisp tree . apple growers just called up a nursery and ordered their trees . the variety was patented , so growers did have to pay a royalty of about a dollar per tree to the university of minnesota , but that patent has now expired .
a trademarked new zealand - developed apple is set to surpass the 100 , 000 carton mark for production in the u . s . state of washington for the first time this season , which is just a fraction of what those involved are aiming for within six years .
: not bad for a crisp & sweet apple . it has some flavor to it , unlike a lot of the super sweet / super crisp apples varieties that keep coming out . i think it’s an improvement on it’s parent , the gala for sure and much better than gala’s other child ,
sydney kuhn owns kuhn orchards in cashtown , pa .
we ' ve actually had customers at market ask us about sweetango ,
she says .
and we explain that it ' s a club variety , and we are not part of the club , so we cannot grow that apple .
envy sales nearly doubled in volume between 2014 and 2015 , and its dollar contribution increased by over 120 percent , growing faster than all other premium apples in both measures , according to freshlook data . it currently ranks fifth in volume , behind the well - established honeycrisp , pink lady , jazz and ambrosia , which is remarkable given that it has only been commercially available for four years , said david nelley , executive category director for apples and pears at oppy .
sydney kuhn owns kuhn orchards in cashtown , pa .
we ' ve actually had customers at market ask us about sweetango ,
she says .
and we explain that it ' s a club variety , and we are not part of the club , so we cannot grow that apple .
dan charles / npr hide caption
the trademarked pacific rose apple has been another export darling for enza , with its large , pink appearance and crisp - sweet flavor attracting high order rates from overseas in the lead up to chinese new year . nelley said it had been successfully re - established with domestic retail , while organic pacific rose apples were already sold out for the season .
apples are a nutritious snack or meal ingredient because they contain several important nutrients in a low - calorie package . one medium apple has less than 100 calories , along with 17 % of the daily recommended value of dietary fiber and 14 % of the daily recommended value of vitamin c . apples also contain small amounts of quercetin , boron , and vitamin b .
another export sweetheart for enza and oppy during the washington season is pacific rose . the large , pink , crisp - sweet apple is currently shipping overseas at high rates to meet chinese new year orders . however , in the last few seasons it has also been successfully re - established with domestic retail , nelley said . organic pacific rose is already sold out for the season .
less visible is the economic machinery that ' s helping to drive this revolution . an increasing number of these new apples are
club apples
— varieties that are not just patented , but also trademarked and controlled in such a way that only a select
club
of farmers can sell them .
that texture was so different that i had to pause and kind of think for a minute : is this good ? is this bad ?
he says .
which brings us to another variety , another product of the university of minnesota . it ' s called sweetango , and bedford says it has all the crispness of honeycrisp , plus more flavor :
i think this one has all the potential of honeycrisp . it ' s actually a child of honeycrisp .
but there ' s a crucial difference between the way these two varieties have found their way to consumers .
pinatas are among the new generation of club apples — varieties that are not just patented , but also trademarked and controlled in such a way that only a select
club
of farmers can sell them . stemilt growers llc hide caption
pinatas are among the new generation of club apples — varieties that are not just patented , but also trademarked and controlled in such a way that only a select
club
of farmers can sell them .
sweetango apples come only from these growers . and their exclusive rights could last forever , because sweetango is not just covered by a patent . the name sweetango is also a trademark , which never expires . and for every bushel of sweetango apples that these growers sell , they pay a royalty to the university of minnesota .
the apples started arriving in stores a few years ago , joining a raft of other apples that are controlled in a similar way . more than a dozen of these so - called
managed
or
club
varieties are available , or will be soon . they ' re called
club apples
because you have to be part of a particular group to grow them .
tim byrne , president of the minnesota - based next big thing cooperative , which controls sweetango , says there are good reasons for this trend .
the first is quality control .
if you have one management company overseeing the whole thing , you get to select the group that you want to manage the commercialization , the growing , the harvesting , the packing ,
he says . that way , you can make sure that all sweetango apples in the store are of consistently high quality .
also , there ' s control over quantity . you can grow enough to satisfy the demands of supermarket chains , but not so many that you drive down prices .
perhaps most important , byrne says , is the ability to organize marketing campaigns that convince consumers to buy the variety , and stores to stock it . nobody did that for previous varieties , because anyone could plant them .
if anyone can plant [ a new variety ] , why could i put half a million dollars into a marketing campaign , out of my pocket , when everyone else can ride the coattails of that campaign ?
says byrne .
baugher shows me two rows of trees in his nursery . on the right , he says , is a variety called sweetie .
that one we can sell to anybody ,
he says .
but that one ?
i ask , pointing to a row on our left . it ' s a variety called kanzi .
that one , we can ' t ,
baugher says .
only to those who are working within the managed program .
but kuhn says she ' s not really worried . there are lots of great apples she still can grow . and her customers , she says , usually respond that
honeycrisp is just as good . i ' ll buy your honeycrisp !
with a pinch of skepticism and a dash of fun , the salt covers food news from the farm to the plate and beyond . you can connect with senior editor and host maria godoy via our contact form or directly by email . you can also reach correspondent allison aubrey via email .
in a release , oppy said that along with enza it was preparing for an anticipated two million cartons of the fruit to be grown in the state by 2020 .
he added that pricing was several dollars higher year - on - year per box even though volume had risen , performing “beautifully” in a range of retail channels .
“the year’s crop is predominantly smaller - sized apples . this gave us the opportunity to bring our two - pound ‘pouch’ bags to the forefront of our marketing efforts . it’s a vehicle that worked very well for our cherry program , so we are translating ‘grab and go’ success to apples , ” nelley said .
oppy , which is partly owned by european business total produce , is actively planning for the new zealand season , which starts in may .
“while there was a little hail in hawke’s bay before christmas , the subsequent weather pattern in the growing regions is helping to tee up an excellent fresh crop , ” nelley said .
“we were able to translate a very strong 2013 new zealand jazz season , which is predominantly large - sizing , into a solid washington campaign . we are now setting up the transition into fresh crop in may , as jazz is now among the top 10 preferred apples at retail and continues to grow in gross sales . ”
save my name , email , and website in this browser for the next time i comment .
i agree to receive news and opportunities for the brands of the company yentzen group .
html public
- / / w3c / / dtd xhtml 1 . 0 transitional / / en
urltoken
“the year’s crop is predominantly smaller - sized apples , ” he said . “this gave us the opportunity to bring our two - pound ‘pouch’ bags to the forefront of our marketing efforts . it’s a vehicle that worked very well for our cherry program , so we are translating ‘grab and go’ success to apples . ”
while continuing to strategically market the domestic program , oppy , the exclusive marketer of imported jazz apples , is actively planning for the new zealand season , which begins in may .
“while there was a little hail in hawke’s bay before christmas , the subsequent weather pattern in the growing regions is helping to tee up an excellent fresh crop , ” nelley said . “we were able to translate a very strong 2013 new zealand jazz season , which is predominantly large - sizing , into a solid washington campaign . we are now setting up the transition into fresh crop in may , as jazz is now among the top 10 preferred apples at retail and continues to grow in gross sales . ”
chicago — emerson recently announced the launch of its new go real - time reusable tracker , allowing customers to . . .
brianna loeb and todd cline of cece’s veggie co . promoted the company’s line of veggie noodles .
extreme heat is coming to the desert southwest next weekend starting thursday , july 5 . highs will jump from 107 - 108 they are exper . . .
you see , the more we live the way we do , the more of us search for a little parcel of purity . a perfect piece of nature . a time when life was quieter and maybe a little gentler . ( and where an ingredients list wasn’t 12 lines long . )
it’s all about the lake and the environment . the lake goes back into the cascades for 55 miles . it’s all glacier - fed . the snow melts and continues to be pristine . ”
i’m 58 and i’ve been in this business all my life . and i’m lucky enough to be involved with the beginnings of new varieties . we’re right on lake chelan , and the water is from a glacier . if you look off the end of my dock the water’s 10 or 12 feet deep , but you can see the bottom . it’s clear , like a swimming pool . on sundays i ' ll take my dog and walk up the same hill i’ve been walking up since i was 6 years old and just look at . . .
by browsing this site you accept cookies used to improve and personalise our services and marketing , and for social activity . read our updated privacy policy for more about what we do with your data , as well as your rights and choices .
ramps the wild ramp , aka wild leek , botanical name allium tricoccum , is a flowering perennial plant that grows in clusters . it is a member of the allium family along with onions and leeks
calamondin limes the calamondin lime is a cross between a sour , loose skinned mandarin and a kumquat , therefore technically making it an orangequat .
salanova lettuces salanova® lettuce is a full - sized variety developed for the baby lettuce market . botanically these varieties are scientifically known as lactuca sativa .
produce spotting allows you to share your produce discoveries with your neighbors and the world ! is your market carrying green dragon apples ? is a chef doing things with shaved fennel that are out of this world ? pinpoint your location annonymously through the specialty produce app and let others know about unique flavors that are around them .
copyright © 1996 - 2018 , specialty produce , all rights reserved | 1929 hancock st . , suite 150 , san diego , ca 92110 | 800 . 221 . 9730 |
i have had both new zealand and washington grown jazz apples . i have found them sometimes to be good and others time to be bland . the first nz and wa ones of the season seem to be the most flavorful and then it goes down hill .
these are the best tasting apples i’ve ever had and nothing else comes close ( though i’ve only tried them from one bunch ) . since you say they are “not bad” , that doesn’t seem like a ringing endorsement… what apples would you say are better for straight up eating ? ( this is less a challenge and more a true question , b / c i would love to try em ) .
awesome . i am glad you found and enjoyed them . i like alot of the hard to find heirloom varieties that you seek out at farmer’s market and orchards . as far as grocery store apples , right now lady alice is my favorite . good flavor and nice balance of sweet and tart .
privacy & cookies : this site uses cookies . by continuing to use this website , you agree to their use . to find out more , including how to control cookies , see here : our privacy policy
initial trial plantings have been made in a number of countries around the world and plans are under way to start planting commercial volumes in the united states , france , italy , spain and new zealand initially .
the number of items in your shopping list has exceeded the maximum limit . please remove some items , or create a new shopping list .
actual product packaging and materials may contain more or different information than that shown on our website . you should not rely solely on the information presented here . always read labels , warnings and directions before using or consuming a product . view full product information disclaimer
solve this simple math problem and enter the result . e . g . for 1 + 3 , enter 4 .
© farm journal , inc . all rights reserved | 8725 rosehill rd ste 200 , lenexa , ks 66215 - 4611


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 .
patch welcomes contributions and comments from our users . we strive for civil , enlightened discussions on patch stories and local issues . please abide by our posting standards :
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 .
featured events are paid listings by users and receive priority placement on patch , on our social pages and in our daily newsletters . to promote your local event on patch , click here .
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 .
copyright © 2008–2018 , glassdoor , inc .
glassdoor
and logo are proprietary trademarks of glassdoor , inc .
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 .
featured announcements are paid posts promoted by patch community members . to promote your local announcement on patch , create an account and start posting here .
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 .