Gratiot Community Credit Union Alma MI | Convenient ATM Services

Introduction

At Gratiot Community, we believe in building lasting relationships with our members and fostering a sense of community. Located at 135 W Center St, Alma, MI 48801, our credit union has been serving the needs of local residents since 1955. With a proud membership base of 6,713, we are committed to providing personalized financial services that empower our members to achieve their goals. With total assets amounting to an impressive $53,660,390 and total deposits of $4,009,706, Gratiot Community stands as a reliable partner for your financial journey. Our dedicated team of 21 employees, led by our CEO Katina Struble and Board President Sonia Gibson, is always ready to assist you with your banking needs. While members can visit us at our branch for face-to-face interactions, official correspondence should be sent to our mailing address at 211 W Center St, Alma, MI 48801. We understand that your time is valuable; that's why we offer various online services for convenience, including online banking and loan applications available on our website: Gratiot Community. Our commitment goes beyond just numbers. We pride ourselves on fostering a strong connection with the communities we serve while ensuring the safety and growth of your funds. With a net worth of $4,349,872 and total loans amounting to 4,439, we ensure that your money works as hard as you do. We invite you to explore how Gratiot Community can help you reach your financial aspirations. Whether you're looking for loans or simply need guidance on managing your finances, don't hesitate to give us a call at (insert phone number) or stop by our branch today!

Branch History & Mission

At Gratiot Community, we take pride in our rich history and unwavering mission to serve our members and the community. Established in 1955, our branch has been a cornerstone of financial support for residents in Alma, MI. Over the years, we have grown from a small credit union to a trusted partner for over 6,700 members, managing total assets of $53,660,390. Our location at 135 W Center St, right in the heart of Alma, allows us to remain accessible to those we serve. Our mission is simple yet profound: to provide exceptional financial services while fostering community growth and well-being. We believe that everyone deserves access to affordable financial products and educational resources that empower them to achieve their goals. Whether it's through personal loans, savings accounts, or guidance on managing finances, we are dedicated to being a reliable resource for our members. While members can visit us at 135 W Center St Alma Mi 48801, official correspondence should be sent to 211 W Center St, Alma, MI 48801. This ensures that all communications are directed appropriately as we focus on enhancing member experience. Over the years, Gratiot Community has embraced technology to better serve our members. We offer online banking options and mobile applications that make managing finances easier than ever before. Our commitment to ADA compliance means that all our services are accessible to everyone in the community. We also recognize the importance of giving back. Through various partnerships and community outreach initiatives, we aim to uplift those around us by supporting local events and programs that enhance quality of life in Alma. As we look towards the future, we invite you to join our family at Gratiot Community Credit Union. Experience firsthand how our dedicated team is here to support your financial journey with personalized service and a commitment to your success. Together, let's build a brighter future for you and our community!

Branch Location & Accessibility

Call to Action

Come visit us today at Gratiot Community! Whether you're looking to open an account or simply want to learn more about what we offer, we're here for you. Feel free to reach out via phone or stop by we're excited to help you with your banking journey!

Convenient Access and Nearby Landmarks

Our location is just a stone's throw away from local landmarks like the Alma College and the beautiful downtown area. Whether you're coming from near or far, you'll find that our branch is easily reachable with ample parking available right outside. We ensure that everyone can visit us comfortably, as our facility is designed to be accessible for all members, including those who may require ADA features.

Operating Hours and Services

While we currently do not have drive-thru banking or ATM services at this location, our dedicated team is ready to assist you during our operating hours. We strive to provide a warm and welcoming atmosphere where you can feel at home while discussing your financial needs. We encourage you to give us a call if you have any questions or need assistance before visiting. Your convenience and satisfaction are our top priorities!

Member Eligibility

Joining the Gratiot Community is more than just opening a bank account; it's about becoming part of a welcoming family that truly cares about its members. To qualify for membership at our branch, you simply need to live, work, or worship in Gratiot County or have a family member who is already a member. This makes it easy for many people to become part of our community and enjoy the benefits we offer. As a member, you'll gain access to personalized financial services, competitive rates on loans and savings, and a team dedicated to helping you achieve your financial goals. If you're ready to take the next step, opening an account is straightforward! You can find all the details on how to get started by visiting us at https://loans.itsme247.com/028/home/start. For any questions or if you'd like more information about eligibility criteria, don't hesitate to, or visit our detailed eligibility page at http://www.gratiotcu.org/membership/eligibility/. We're excited to welcome you into the Gratiot Community family!

Business Banking & Commercial Services

Loan Options for Every Business

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.

Merchant Services That Make Sense

Imagine having the tools you need to accept payments seamlessly and efficiently. Our merchant services provide businesses with the ability to process transactions smoothly whether it's in-store or online. This not only enhances customer experience but also allows you to focus on what you do best: running your business. Visit us at 135 W Center St, Alma, MI 48801, or check out our website at Gratiot Community for more information on how we can support your business banking needs!

Comprehensive List Of Services

Digital Banking Features

In today's fast-paced world, digital solutions are vital for effective money management. At Gratiot Community, we provide robust online banking features that empower you to handle your finances from anywhere. You can check balances, transfer funds, and pay bills right from your computer or mobile device. No more waiting in lines; everything is just a few clicks away.

Everyday Banking Needs

Understanding the importance of easy access to your finances, we offer essential services like ATM Services Only. This means you can conveniently withdraw cash and check your account balance without stepping inside a branch. Imagine being able to grab cash from an ATM while running errands or on your way to work. Our ATMs are designed with user-friendly interfaces, ensuring quick and easy transactions.

Personalized Member Support

While we emphasize digital convenience, we also believe in offering personalized support when you need it. Our friendly staff at Gratiot Community is here to help answer any questions about our services or assist with any challenges you might face. We understand that sometimes a simple conversation can make all the difference in navigating your financial journey. We invite you to visit us at 135 W Center St Alma Mi 48801 or call us at **** for more information about our offerings. Our goal is to help every member feel confident in their financial decisions and provide the tools needed for success. Explore what we have to offer and see how we can assist you on your path to financial well-being! For more details on our services and to stay connected, don't forget to check out our website: https://www.gratiotcu.org/. We look forward to serving you!

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balance, transfer funds, and pay bills anytime you need. No more waiting in line or rushing to the bank before it closes! Plus, with electronic signature authorization available, signing documents is quick and hassle-free. You can also enjoy e-statements that give you a clear view of your transactions without the clutter of paper statements. This not only helps keep your information organized but also contributes to a more sustainable environment. Our mobile application makes accessing your accounts even simpler. With it, you can manage your money right from your phone! Although we currently do not offer mobile payment features, our app allows person-to-person transfers so you can send money easily to friends or family whenever necessary. We prioritize security in all our digital services. Your personal information is protected with advanced encryption technology to ensure that your data remains safe while you manage your accounts online. In short, Gratiot Community combines accessibility and user-friendly features to help you take control of your finances with ease and confidence. Join us today and experience the benefits of modern banking!

Financial Strength

Member-Centric Savings

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.

Operational Efficiency

Our commitment to efficiency is reflected in our $190,818, which enables 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, committed team.

Reinvesting for Your Future

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 is robust, with $1,703 in used auto loans and $40,334,751 in total loans and leases supporting our members' financial goals across various sectors.

Strong Financial Health

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 8.10% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $73,140. Total Share and Deposit Accounts: 13,021, showcasing 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 135 W Center St Alma Mi 48801 or call to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

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. We make financing your next vehicle simple and straightforward.

Credit Lines and Unsecured Loans

For those who need flexibility in managing their finances, we also offer flexible terms on unsecured credit card loans. With a total of $1,053,252 in unsecured credit card loans available, you can take control of your spending without breaking the bank. Additionally, our total credit lines reach up to $10,000,000, providing ample resources for various financial ventures. If you're interested in refinancing or checking your eligibility for any of our loan products, please visit our eligibility page for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For any questions or to learn more about our loan offerings at Gratiot Community located at 135 W Center St Alma Mi 48801, feel free to reach out to us!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,241,772, make buying or refinancing simple. We're committed to helping you secure the best mortgage for your needs.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to verified sources ensures that users receive fair and transparent offers when comparing loans.

GRATIOT COMMUNITY CREDIT UNION - Alma, MI

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