Graco Credit Union Alma MI | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Graco, your trusted financial partner located at 835 W Warwick Dr, Alma, MI 48801. Since our establishment in 1962, we have dedicated ourselves to serving our community and supporting our members' financial goals. With a total membership of 3,434 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the Alma community. At Graco, our commitment to you goes beyond basic banking services. With total assets exceeding $29,386,025 and a solid net worth of $3,104,442, we offer stability and reliability that you can depend on. Our members enjoy a range of services including personal banking, auto loans, mortgage options, and business banking solutions. We currently hold $6,370,321 in deposits and have provided over 2,066 loans to help fulfill various financial needs. Led by CEO Stacy Grube and Board President Duane Barclay, our team is dedicated to ensuring that every member receives personalized service tailored to their unique circumstances. You can reach us at (989) 463-1247 or send any official correspondence to our mailing address: 835 W Warwick Drive, Alma, MI 48801. We invite you to visit us during our operating hours: Monday through Tuesday and Thursday from 9:00 AM to 5:30 PM, Wednesday from 10:00 AM to 5:30 PM, Friday from 9:00 AM to 7:00 PM (drive-thru only from 5:30-7 PM), and Saturday from 9:00 AM to 12:00 PM (drive-thru only). Join us today at Graco where your financial well-being is our priority! For more information about our services and offerings, please explore our website at gracofcu.org. Let's work together towards your financial success!

Branch History & Mission

Welcome to Graco, a credit union with a rich history and a dedicated mission to serve our community in Alma, MI. Since opening our doors in 1962, we have been committed to providing quality financial services while fostering a sense of belonging for all members. Over the years, we have grown alongside our community, now proudly serving over 3,400 members with total assets reaching an impressive $29,386,025. Located at 835 W Warwick Dr, Alma, MI 48801, our branch is easily accessible and close to many local landmarks that are part of the heart of this vibrant town. For any official correspondence, please send it to our mailing address at 835 W Warwick Drive, Alma, MI 48801. At Graco, our mission is clear: we strive to empower our members by offering exceptional financial products and services tailored to their needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we aim to make banking straightforward and beneficial. We believe in not just meeting financial needs but also enhancing the overall quality of life for our members through community support initiatives. Our commitment extends beyond just transactions; we actively engage in partnerships that uplift our local community. From sponsoring events to supporting local charities, we work tirelessly to ensure that our impact resonates throughout Alma and beyond. As technology evolves, so do we. Graco offers digital banking solutions including online banking and mobile applications to help you manage your finances conveniently. Our facilities are ADA compliant ensuring accessibility for everyone. With features like ATM availability and drive-thru service during designated hours Monday through Friday we prioritize your convenience without compromising personal service. Join us today and experience firsthand the benefits of being part of Graco. Together, let's build a brighter future for you and our community! For more information or assistance, feel free to contact us at 989-463-1247. We look forward to welcoming you into the Graco family!

Branch Location & Accessibility

Call to Action

We invite you to come visit us soon! If you have any questions or need assistance before stopping by, feel free to give us a call at 989-463-1247. At Graco Credit Union, we're excited to serve you!

Operating Hours

Our doors are open during welcoming hours: Monday, Tuesday, and Thursday from 9:00 AM to 5:30 PM; Wednesday from 10:00 AM to 5:30 PM; Friday from 9:00 AM to 7:00 PM (with drive-thru service available from 5:30 PM to 7:00 PM); and Saturday from 9:00 AM to 12 PM (drive-thru only). This flexibility ensures that you can find a time that works best for you!

Services Offered

At Graco, we pride ourselves on offering a wide range of services tailored for everyone. You can take advantage of personal banking services such as checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. If you're a business owner, our merchant services and business loans can help support your ventures. Plus, with online and mobile banking options available, managing your finances has never been easier!

Member Eligibility

At Graco, we believe in creating a welcoming community where everyone can thrive together. Becoming a member is simple and open to anyone who meets our friendly eligibility criteria. If you live, work, or attend school in the area around 835 W Warwick Dr Alma Mi 48801, you're likely eligible to join us! We also welcome family members of current members, making it easier for loved ones to benefit from our services. Joining Graco not only opens doors to personal banking options like checking and savings accounts, auto loans, and credit cards with rewards but also connects you to a network that values your financial well-being. Getting started is a breeze! For more detailed information about eligibility and how to become a member, feel free to visit our website at [](https://www.gracofcu.org/). If you have any questions or need assistance, don't hesitate to give us a call at (989) 463-1247. We're here to help you take that exciting first step towards becoming part of the Graco family!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Matter

Imagine the ease of processing payments quickly and securely while focusing on what you do best running your business. Our merchant services empower local enterprises by offering convenient payment solutions tailored to fit their needs. Whether it's accepting card payments or managing transactions effortlessly, we provide the tools that help businesses thrive. Located at 835 W Warwick Dr Alma Mi 48801 in Alma, MI, we invite you to discover how Graco can be your partner in success. Reach out today at (989) 463-1247 to learn more about our offerings!

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services include merchant services and business loans that can help streamline your operations and support growth. We are committed to helping local businesses thrive by providing the financial tools necessary for success.

Credit Cards

We know rewards matter! That's why we offer credit cards with rewards, allowing you to earn points on everyday purchases. Picture this: every time you swipe your card, you're getting closer to that dream vacation or special gift.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. Our robust online and mobile banking options allow you to manage your accounts from anywhere at any time. Whether it's paying bills, transferring funds, or checking your balance on the go, we've made it easier than ever for our members.

Drive-Thru and ATM Services

For those quick transactions, utilize our basic drive-thru banking for deposits, withdrawals, and simple transactions without leaving your vehicle. Additionally, our ATM services ensure that accessing cash is always just a few steps away. At Graco, we pride ourselves on being more than just a credit union; we are your financial partner dedicated to supporting you in achieving your goals. If you're ready to experience hassle-free banking with exceptional service, don't hesitate to reach out! Call us at (989) 463-1247 or visit us today at 835 W Warwick Dr Alma Mi 48801 in Alma, MI. Let us help you take the next step towards financial success!

Loans and Financing

Need a new vehicle? Our auto loans and vehicle financing options make it easy to hit the road without breaking the bank. We provide competitive rates so you can focus on what truly matters enjoying your ride. If you're considering buying a home, explore our mortgage loans and refinancing services designed to fit various budgets and lifestyles. For those unexpected moments or consolidating debt, our personal loans can give you the financial relief you need.

Personal Banking

Whether you're opening your first checking account or looking for a high-yield savings option, our personal banking services have got you covered. We offer various checking and savings accounts that can help you manage your daily expenses and save for future goals. Imagine effortlessly tracking your spending through our user-friendly online banking platform while enjoying the convenience of ATM access for quick cash withdrawals whenever you need it.

Digital & Online Banking

Key Features

Our online banking service includes electronic signature authorization, allowing you to sign documents securely and efficiently. Plus, with e-statements available, you can view your account statements digitally helping you save time and paper. For those who prefer mobile banking, our user-friendly mobile application brings all these features right to your fingertips. You can make person-to-person transfers effortlessly, ensuring that sharing funds with friends or family is quick and straightforward. While our mobile payments feature isn't available yet, we are continuously working to enhance our services for our members.

Security & Ease of Use

We prioritize your security with advanced measures in place to protect your personal information. Navigating our online platform is designed to be intuitive so that you can complete transactions confidently and without confusion. Whether you're checking your balance before a shopping trip or managing bills while traveling, Graco's digital banking services empower you with real-time account management. Experience the convenience of modern banking tailored just for you!

Financial Strength

Commitment to Growth

With $3,104,442 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant as we offer $1,029 in used auto loans and $17,706,243 in total loans and leases, helping support your financial goals across various sectors.

Growing Trust

The trust placed in us by our members is evident with a total of 6,683 share accounts. This shows a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Graco is your trusted partner. Visit us at 835 W Warwick Dr Alma Mi 48801 or call (989) 463-1247 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secured through $1,025,261 in share certificates and $3,943,330 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $3,104,442, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,056 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,972,878 in used vehicle loans and $1,576,945 in new vehicle loans already helping members get on the road. We make financing easy and affordable so you can drive away with confidence.

Credit Lines and Refinancing Options

If you're looking for extra flexibility, consider our total credit lines totaling $1,500,000. These lines of credit can be an excellent way to handle unexpected expenses or larger purchases without the stress of high-interest rates. Additionally, if you're interested in refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out. For any questions or further assistance regarding our loan offerings or services available at our branch located at 835 W Warwick Dr Alma Mi 48801, feel free to call us at 989-463-1247. We're here to help you navigate your financial journey and find solutions tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,622,702, make buying or refinancing simple. We aim to guide you through every step of the process and ensure you find the right fit for your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $113,736 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and various rewards options to suit your lifestyle.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures that all loan data is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. These sources provide reliable information based on the latest results (Source: https://www.ncua.gov ), which guarantees fair and transparent offers for users.

Benefits of Using LendMesh

- Verified Data: Loan offers come exclusively from legitimate financial institutions, fostering a trustworthy environment for comparisons. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, making it easier to identify the best options available. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how LendMesh not only provides accurate data but also delivers significant savings to its users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

GRACO FEDERAL CREDIT UNION