GRATIOT COMMUNITY CREDIT UNION

Welcome to Gratiot Community! Nestled in the heart of Alma, MI, at 119 W Center St, our credit union has proudly served our community since 1955. With a total membership of over 6,700 individuals, we are committed to providing personalized financial services that cater to your needs. Whether you're looking for loans, savings accounts, or simply seeking financial guidance, our dedicated team is here to support you every step of the way. At Gratiot Community, we understand that trust is essential when it comes to your finances. That's why we have built a solid foundation based on reliability and member satisfaction. Our total assets amount to an impressive $53,660,390, and with total deposits reaching $4,009,706, we take pride in maintaining a healthy financial standing that benefits all members. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to our mailing address at 211 W Center St, Alma, MI 48801. Led by our CEO Katina Struble and Board President Sonia Gibson, our team of 21 employees is dedicated to fostering a welcoming environment where every member feels valued. We invite you to experience the difference that comes from being part of a community-focused credit union. Ready to take control of your financial future? Give us a call at (989) 463-9955 or visit our website at www.gratiotcu.org to learn more about our services and how we can help you achieve your goals!

At Gratiot Community, we take pride in our rich history and steadfast mission to serve the people of Alma, MI. Established in 1955, our branch has grown from humble beginnings into a trusted financial partner for over 6,700 members. With total assets now exceeding $53 million, we have continually adapted to meet the changing needs of our community while staying true to our core values. Located at 119 W Center St, our branch is easily accessible and close to local landmarks that make us a familiar face in the neighborhood. Whether you're stopping by for a quick transaction or seeking advice on your financial future, we're here for you. While members can visit us at this address, official correspondence should be sent to 211 W Center St, Alma, MI 48801. Our mission at Gratiot Community is simple yet impactful: to provide exceptional financial services while actively supporting our community. We believe that by helping individuals achieve their financial goals, we contribute to the overall well-being of Alma and its residents. Our team is dedicated to offering personalized service and a range of products tailored to meet the diverse needs of our membership. Throughout the years, we have embraced innovation while ensuring that all members feel welcomed and valued. Our operating hours are designed with convenience in mind open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. We also offer ATM services and basic drive-thru banking for those on the go. As part of our commitment to accessibility, we ensure compliance with ADA standards and continuously seek ways to enhance our customer experience. From online banking options to mobile applications, we strive to make managing your finances easy and efficient. Moreover, community outreach remains at the heart of what we do. We partner with local organizations and initiatives aimed at improving the lives of those around us. Whether it's sponsoring events or providing educational resources about financial literacy, Gratiot Community is devoted to making a positive impact. We invite you to become part of our legacy at Gratiot Community! Join us today and experience firsthand how we can support your financial journey while contributing positively to our cherished Alma community. For more information or assistance, call us at 989-463-9955 or visit our website at www.gratiotcu.org. Together, let's build a brighter financial future!

At Gratiot Community, we believe that becoming a member is like joining a family where everyone looks out for each other. To be eligible for membership at our branch located at 119 W Center St, Alma, MI 48801, you simply need to meet a few friendly requirements. If you live, work, worship, or attend school in Gratiot County or have a family member who is already part of our community, you're welcome to join us! Membership opens the door to a variety of benefits including competitive rates on loans and savings accounts, personalized service, and access to community events that strengthen our bonds. Getting started is easy! You can find all the detailed eligibility criteria by visiting this link and if you're ready to take the next step towards membership, just hop over to this page to open your account online. If you have any questions or need assistance, feel free to reach out to us at 989-463-9955. We're here to help you every step of the way!

At Gratiot Community, we understand that every business has unique needs. Whether you're a startup looking to make your mark or an established company aiming for growth, our business banking and commercial services are designed to empower you on your journey. Imagine needing funds to purchase new equipment or expand your team. With our commercial loan options, you can turn those dreams into reality. 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. - 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. In addition to loans, our merchant services simplify transactions for you and your customers. Imagine processing payments seamlessly while focusing on what truly matters growing your business. From point-of-sale systems to online payment options, we help streamline your operations. If you're ready to take your business to the next level, visit us at 119 W Center St Alma Mi 48801 in Alma, MI, or give us a call at (989) 463-9955. Let's work together to achieve your goals!

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. We are proud to share our financial strength with you, which reflects our commitment to providing reliable services and peace of mind for our community. With a net worth of $4,349,872, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 810 demonstrates a solid capital foundation, ensuring 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. With $4,173,126 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $17,019,523 in used auto loans and a total of $40,334,751 in loans and leases. 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 also take pride in having 18 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $73,140. Total Share Accounts: 13,021, showing 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, Gratiot Community is your trusted partner. Visit us at 119 W Center St Alma Mi 48801 or call 989-463-9955 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.

At Gratiot Community, we understand that everyone has unique financial needs. Whether you're looking to buy a new car, secure a home, or manage your everyday expenses, we have a variety of loan products designed to help you achieve your goals. With over 4439 loans issued, we've helped thousands of members achieve their financial aspirations. Our auto loans are particularly popular among our members. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,419,523 in used vehicle loans and $3,776,958 in new vehicle loans already helping members get on the road. For those considering homeownership, our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,241,772. We aim to make buying or refinancing as straightforward as possible. Additionally, if you're in need of flexible credit solutions, we offer unsecured credit card loans with a total of $1,053,252 available to help members manage their finances effectively. If you're interested in refinancing your current loans or exploring eligibility options for any of our products, feel free to reach out. You can contact us at 989-463-9955 for more information. We invite you to visit us at our branch located at 119 W Center St Alma Mi 48801, where our friendly staff is ready to assist you. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can support your financial journey today!