GRATIOT COMMUNITY CREDIT UNION

Welcome to Gratiot Community, your trusted partner in financial well-being located at 211 W Center St, Alma, MI 48801. Since our establishment in 1955, we have been dedicated to serving our community, fostering a sense of belonging, and providing a wide range of financial services tailored to meet your needs. With a proud membership base of over 6,713 members and total assets exceeding $53.66 million, we are here to help you achieve your financial goals. At Gratiot Community, we understand that each member's journey is unique. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, our team is ready to guide you every step of the way. We also offer business banking solutions, ensuring that local businesses thrive alongside our community. While members can visit us at 211 W Center St, official correspondence should be sent to our mailing address: 211 W Center St, Alma, MI 48801-2206. Our office is staffed with a dedicated team of 21 employees, led by our CEO Katina Struble and Board President Sonia Gibson. Together, they ensure that our services remain responsive and relevant to your needs. With total deposits reaching $4,009,706 and net worth amounting to $4,349,872, we are committed to maintaining a solid financial foundation while reinvesting in the community. Our cash reserves of $1,035,306 enable us to provide competitive loans and flexible terms that suit both personal and business requirements. We invite you to visit us during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM or give us a call at 989-463-8321 for any inquiries. Let Gratiot Community be your first choice for all things finance; together, we can build a brighter future! For more information on how we can assist you or to explore membership eligibility, please visit our website at Gratiot Community.

Welcome to Gratiot Community, a credit union that has been a cornerstone of financial support and community spirit in Alma, MI since its establishment in 1955. With over six decades of service, we have witnessed the growth and changes in our community, continuously evolving to meet the needs of our members. Our branch is located at 211 W Center St, just a stone's throw from local landmarks like the Alma College campus, making it easily accessible for residents and visitors alike. From our humble beginnings, Gratiot Community has grown to serve 6,713 members and manage total assets of $53,660,390. Our mission is simple yet profound: to provide exceptional financial services while uplifting our community through outreach and partnership initiatives. We believe that everyone deserves access to quality banking services that empower them to achieve their financial goals. At Gratiot Community, we are dedicated not only to meeting the financial needs of our members but also to supporting the community around us. We offer a variety of services including personal banking, auto loans, mortgage loans, and even business banking options. Our commitment extends beyond transactions; we aim to foster strong relationships with our members, ensuring they feel valued and supported. While members can visit us at 211 W Center St, official correspondence should be sent to 211 W Center St, Alma, MI 48801-2206 if different. We understand that convenience matters in today's fast-paced world; that's why we offer online banking and mobile applications designed for ease of use. Though we currently do not have ATM or drive-thru services available, we do provide shared service center access for basic transactions. Our operating hours reflect our dedication to accommodating member needs: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. You can reach us at (989) 463-8321 for any inquiries or assistance you may need. As we look forward to the future, we invite you to join the Gratiot Community family. Experience firsthand how we prioritize your financial well-being while actively contributing to the strength and unity of our community. Together, let's continue this journey toward prosperity!

Joining the Gratiot Community feels like stepping into a warm, welcoming family. At Gratiot Community, we believe that everyone deserves access to financial services that truly meet their needs. To become a member, you simply need to live, work, worship, or attend school in our community. It's that easy! Not only will you gain access to a wide range of financial products and services designed with your best interests in mind, but you'll also enjoy the benefits of being part of a cooperative that values its members above all else. If you're interested in learning more about our eligibility requirements, feel free to visit our detailed page at this link. Opening an account is just as straightforward; you can start the process online by visiting this page or by giving us a call at 989-463-8321. We're here for you at our branch located at 211 W Center St, Alma, MI 48801. Whether you're looking to save for the future or need assistance with loans and credit options, becoming part of the Gratiot Community means you'll always have support on your financial journey.

At Gratiot Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to maintaining strong financial health ensures that we can serve our community effectively and reliably. With a net worth of $4,349,872, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This is further highlighted by our net worth ratio of 810, which demonstrates a solid capital foundation. This strength ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $6,971,030 in share certificates and $10,456,509 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. In addition to these strengths, our $4,173,126 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options. We also support our members with $40,334,751 in total loans and leases, which helps fulfill their financial goals across various sectors. Our operational efficiency is reflected in our net income of $130,009, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 18 full-time employees and 3 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team. The trust placed in us by our members is evident with a total of 13,021 share accounts. This shows a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $73,140, further emphasizing our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gratiot Community is your trusted partner. Visit us at 211 W Center St Alma Mi 48801 or call (989) 463-8321 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.