Gratiot Community Credit Union Ithaca MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Gratiot Community, your trusted partner in financial well-being since 1955. Located at 855 E Center St, Ithaca, MI 48847, we are proud to serve our community with a range of personalized banking solutions. With over 6,700 members benefiting from our services, we have built a strong foundation of trust and reliability. At Gratiot Community, we understand that every member's financial journey is unique. That's why we offer tailored services, including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our commitment to you goes beyond just transactions; we focus on building lasting relationships. With total assets of $53,660,390 and total deposits reaching $4,009,706, we ensure that your funds are secure while providing you the flexibility to grow financially. Our net worth stands at $4,349,872, highlighting our stability as a credit union dedicated to serving you better. Our team of 21 dedicated employees, led by CEO Katina Struble and Board President Sonia Gibson, is here to assist you through every step of your financial needs. We take pride in offering outstanding customer service and being an integral part of the Ithaca community. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 855 E Center St, Ithaca, MI 48847-1613. Ready to experience member-focused banking? Call us at 989-875-6184 or visit our website at Gratiot Community today! Let's work together towards achieving your financial goals.

Branch History & Mission

Community Focus

Community involvement is at the heart of what we do. We work closely with local organizations and initiatives to support various causes that enhance the quality of life in Gratiot County. This includes partnerships with schools, charities, and events that bring people together. We invite you to join Gratiot Community and experience firsthand the benefits of being part of a cooperative where your voice matters. Whether you're looking for a reliable place to save money or need assistance with loans tailored just for you, we're here to help you succeed. For more information about membership or to open an account today, please call us at (989) 875-6184 or visit our website at Gratiot Community. Join us on this journey towards financial empowerment!

Our Mission

At Gratiot Community, our mission is simple yet profound: we strive to empower our members by providing them with personalized financial services that help them achieve their goals. We believe in building strong relationships within the community and actively engage in outreach efforts that make a positive impact. We offer convenient services like online banking and mobile applications to ensure that managing finances is easy and accessible for everyone. Our ADA-compliant facilities make sure that all members can access our services without barriers. We also feature an ATM on-site and drive-thru banking for quick transactions, emphasizing convenience for busy lifestyles. While you can always visit us at our branch address, please note that official correspondence should be sent to 855 E Center St, Ithaca, MI 48847-1613 if you need to reach us via mail.

Branch Location & Accessibility

Welcome to Gratiot Community, your friendly neighborhood credit union located at 855 E Center St in beautiful Ithaca, Michigan. We pride ourselves on being conveniently situated for our members, just a stone's throw away from local favorites like the Ithaca High School and the scenic Gratiot County Park. Our branch is easily accessible, with ample parking and features that ensure everyone can visit us comfortably. While you can drop by anytime during our welcoming hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM if you need to send us official correspondence, please use our mailing address: 855 E Center St, Ithaca, MI 48847-1613. At Gratiot Community, we understand that convenience matters. That's why we offer ATM services and a drive-thru banking option for quick transactions without leaving your vehicle. Whether you're making deposits or withdrawals, we've got you covered with basic services available at our drive-thru. Our branch also features shared services for partner credit union members, allowing you to manage your finances across different institutions seamlessly. If you're looking for personal banking solutions like checking and savings accounts, auto loans, or even mortgage refinancing, our dedicated team is here to help. Have questions? Feel free to call us at 989-875-6184 we'd love to hear from you! Come visit us today and see how Gratiot Community can support your financial journey.

Member Eligibility

Joining the Gratiot Community feels like stepping into a warm and welcoming family where everyone is valued. To become a member, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in Gratiot County or have a family member who is already a member, you're on your way to enjoying all the benefits we offer. Membership opens doors to personalized financial services designed with your needs in mind, from competitive loan rates to convenient online banking options. You can easily check out the full eligibility details at this link to ensure you meet the criteria. Getting started is just as simple! You can open your account online by visiting this page or by calling us at (989) 875-6184 if you prefer a personal touch. Our branch is located at 855 E Center St Ithaca Mi 48847, ready to assist you during our friendly operating hours. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Lending Solutions for 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. - 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 being able to process transactions quickly and efficiently while managing your cash flow seamlessly. Our merchant services are designed to help you do just that. From credit card processing to online payment solutions, we provide tools that make handling payments straightforward. This way, you can focus on what really matters: growing your business. Visit us at 855 E Center St Ithaca Mi 48847 or call us at (989) 875-6184 to learn more about how our business banking and commercial services can help you achieve your goals.

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services include merchant services and business loans tailored for small businesses. We are committed to supporting local entrepreneurs in growing their ventures.

Credit Options

To reward our members for their loyalty, we provide credit cards with rewards that let you earn points on everyday purchases. It's an easy way to save while spending!

Digital Banking Convenience

In today's busy world, convenience is key. That's why we offer robust online and mobile banking options. You can easily check your balance, pay bills, or transfer funds right from your smartphone or computer. Plus, our ATM services ensure you have access to cash when you need it most.

Drive-Thru & Shared Services

For those who prefer in-person transactions, we provide basic drive-thru banking for quick deposits and withdrawals along with shared branch transactions for partner credit union members. This means even if you're traveling or away from home, accessing your funds remains hassle-free. At Gratiot Community, we're here for you every step of the way whether it's through our friendly service at the branch or via our digital platforms. If you're ready to explore all the ways we can assist you financially, give us a call at 989-875-6184 or visit us online at www.gratiotcu.org. Your financial journey starts here!

Financial Assistance

Life can throw unexpected challenges your way. That's why we also offer personal loans and debt consolidation options. These services allow you to consolidate existing debts into manageable payments, giving you peace of mind during tough times.

Home Financing

When it comes to finding a place to call home, our mortgage loans and refinancing services help make homeownership a reality. We understand that every member's situation is unique; that's why we work closely with you to find the best mortgage solution that fits your needs.

Personal Banking

For those seeking personal banking options, we offer a variety of checking and savings accounts designed for different financial habits. Our members enjoy competitive interest rates and low fees, making it easier to manage their money effectively. If you're planning to purchase a vehicle, our auto loans and vehicle financing options provide affordable payment plans that can be customized to suit your budget.

Digital & Online Banking

Always Accessible

Our 24/7 online banking service ensures that you can manage your accounts whenever it suits you. No more rushing to the bank before closing time! With real-time account management, you'll always be in control of your financial situation. At Gratiot Community, we're dedicated to providing services that fit into your lifestyle. Join us today and experience the ease and accessibility of digital banking tailored just for you!

Key Features

Managing your money is now simpler than ever! Our electronic signature authorization means you can sign documents securely from the comfort of your home. Plus, e-statements are readily available, letting you keep track of your finances without the clutter of paper statements. For those on the go, our mobile application puts banking right at your fingertips. Whether you're looking to make person-to-person transfers or monitor your accounts, our app makes it easy to stay connected with your finances. And if you're considering using mobile payments in the future, rest assured that we're working towards making this feature available for you.

Financial Strength

Growing Membership Trust

Total Share Accounts stand at 13,021, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $73,140, further enhancing our ability to meet 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 855 E Center St Ithaca Mi 48847 or call 989-875-6184 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth Opportunities

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 net income of $130,009 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 18 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Community

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 $17,073,023 in used auto loans and a total of $40,334,751 in loans and leases.

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 810 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

At Gratiot Community, we understand that financial needs can vary widely from one person to another. Whether you're looking to buy a new car, refinance your mortgage, or manage your finances with a credit card, we have tailored loan products designed just for you. With over 4439 loans issued, we've helped thousands of members achieve their financial goals. 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. We also provide refinancing options to make your payments more manageable. If you're considering homeownership, our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,241,772, allowing you to secure your dream home without hassle. For those who need flexibility in managing expenses, we have unsecured credit card loans with a total of $1,053,252 available. These cards come with adaptable terms that help members keep their finances under control. Business owners can benefit from our services too! Although we currently do not offer outstanding commercial loans, we are here to assist with personal banking needs such as checking accounts and other loan options. At Gratiot Community, we're committed to providing you with the best possible service and support. If you're interested in any of our loan offerings or need assistance with eligibility options, don't hesitate to reach out to us at 989-875-6184 or visit us at 855 E Center St Ithaca, MI 48847. For more information on our services or to explore eligibility requirements further, please visit our website at Gratiot Community or check out our membership eligibility page. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate the often complicated world of loans with ease and confidence. LendMesh ensures accurate loan comparisons through a robust sourcing strategy. Loan data on LendMesh is obtained 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 guarantees that users receive fair and transparent offers tailored to their needs. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented. Moreover, LendMesh does not include sponsored listings; lenders are not prioritized based on paid promotions. The primary goal is to provide unbiased results that empower users to make informed decisions. With real-time rate comparisons from multiple institutions, users can easily evaluate their options and find the best fit for their financial situation. Thousands of satisfied 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!" Take control of your borrowing experience today. Compare real-time loan offers 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.

GRATIOT COMMUNITY CREDIT UNION