Share Secured Loan — Michigan Schools & Government Credit Union is a personal loan from Michigan Schools & Government Credit Union. The ongoing APR is Fixed Rate Up to 36 months 2.65% Certificate of Deposit Loan - Fixed Rate Up to one month prior to CD maturity Contact us Variable Rate No term limit 5.53%; Maximum APR is 25.00%.. Loan terms: Up to 36 months; No term limit; Up to one month prior to CD maturity.