Great Lakes Credit Union Bay City MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Great Lakes, where we prioritize your financial well-being! Located at 415 Washington Ave, Bay City, MI 48708, our credit union has been serving the community since 1963. With a strong commitment to our members, we proudly support over 4,646 individuals and families in their financial journeys. At Great Lakes, we believe in building trust through transparency and accessibility. As of now, our total assets are an impressive $59,249,368, reflecting our stability and dedication to providing you with the best services. Our members enjoy a robust financial environment with total deposits reaching $1,104,451 and a net worth of $6,779,258. We also have $1,719,253 in cash readily available for your needs. Our leadership team is here to guide you: CEO Justin Ebel and Board President Randall Frank are committed to ensuring that every member feels valued and supported. With a dedicated staff of 17 employees, we provide personalized service tailored to your unique financial goals. Whether you're looking for auto loans, mortgage options, or personal banking services, we've got you covered! Our range of offerings ensures that there's something for everyone. Plus, with online and mobile banking options available, managing your finances has never been easier. While members can visit us at our branch address mentioned above for all inquiries and transactions, official correspondence should be sent to the same address for convenience. We invite you to explore what Great Lakes can do for you! Call us at 989-893-2831 or visit our website at Great Lakes FCU to learn more about our services. Join us today and experience the difference a community-focused credit union can make!

Branch History & Mission

Join Us

As we continue to grow and serve the community of Bay City and beyond, we invite you to join Great Lakes. Experience the benefits of being part of a credit union that truly cares about its members. Whether you're looking for personal loans or business banking options, we're here to help you achieve your financial goals. For more information or to become a member today, give us a call at 989-893-2831 or visit us at greatlakesfcu.com. Let's build a brighter future together!

Our Evolution

Since opening our doors, Great Lakes has been dedicated to providing exceptional financial services tailored to the needs of our members. We started with a simple mission: to improve the financial well-being of individuals and families in our community. As we evolved, we expanded our offerings to include a variety of services such as personal banking accounts, auto loans, mortgages, and business banking solutions. Today, we are proud to offer modern conveniences like online and mobile banking while maintaining that personal touch that sets us apart. Our commitment to innovation is evident through initiatives like electronic signatures and mobile payments, ensuring that banking with us is not only convenient but also secure. We understand that accessibility is crucial; hence we are dedicated to ADA compliance across all platforms so that everyone can benefit from our services.

Our Mission

At Great Lakes, our mission goes beyond simply offering financial products. We strive to be an active participant in the Bay City community by fostering partnerships and engaging in outreach efforts that make a difference in people's lives. We believe in empowering our members through education about financial literacy and providing them with the tools they need for success. Our drive-thru banking facility offers ease of access for those on the go, while our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 9 AM to 12 PM are designed with your convenience in mind. Although we do not currently offer ATM services at this location, our drive-thru ensures you can complete transactions quickly. While members can visit us at 415 Washington Ave Bay City MI 48708 for all their banking needs, official correspondence should be sent to the same address for consistency.

Branch Location & Accessibility

Accessibility Features

At Great Lakes, we prioritize your comfort and ease of access. Our branch is equipped with ADA-compliant features, ensuring everyone can enjoy our services without any hurdles. Parking is available right outside, so you can park easily and get inside quickly.

Location Highlights

Situated on Washington Avenue, our branch is just a stone's throw away from popular spots like the Bay City State Park and the beautiful Saginaw River waterfront. Whether you're visiting us after a stroll in the park or on your way home from work, you'll find that our location fits seamlessly into your daily routine.

Operating Hours

We understand that life can be busy! That's why we offer flexible hours to suit your schedule. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 9 AM to 12 PM. Need assistance? You can reach us at (989) 893-2831 during these hours.

Services Offered

While visiting Great Lakes, you can take advantage of a variety of personal banking services including checking and savings accounts, auto loans, mortgage options, and more. We also offer basic drive-thru banking for quick deposits or withdrawals perfect for those on-the-go moments! As you explore what we have to offer, remember that while you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same location at 415 Washington Avenue. We invite you to come by and see how Great Lakes can support your financial journey! Feel free to give us a call or stop in during our operating hours we're here to help!

Member Eligibility

Joining the Great Lakes community means becoming part of a supportive family that values you and your financial well-being. If you're wondering how to become a member at Great Lakes, the process is simple and welcoming. You're eligible if you live, work, worship, or attend school in Bay County or surrounding areas. This inclusive approach ensures that anyone in our vibrant community can benefit from our range of services designed to enhance your financial journey. Plus, as a member, you'll enjoy advantages like competitive rates on loans and personalized service that puts your needs first. Ready to take the next step? Opening an account is easy! Just visit us at our branch located at 415 Washington Ave, Bay City, MI 48708, or check out more details about eligibility and the account opening process at this link. If you have any questions, don't hesitate to reach out at 989-893-2831. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Imagine you're a local restaurant owner looking to expand your seating area or a tech startup ready to launch a new product. Our commercial loan options can help make those visions come true. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $302,063, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, providing convenient payment solutions is essential for any business. Our merchant services empower you to accept payments quickly and securely, whether you're at the counter or on the go. This means happier customers and smoother transactions, allowing you to focus more on what you do best running your business. If you're in Bay City, MI, stop by 415 Washington Ave Bay City Mi 48708 or call us at (989) 893-2831 to learn how we can support your business ambitions today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need financing for a vehicle, our auto loans and vehicle financing options are tailored to fit your budget. We strive to make the process straightforward, so you can get behind the wheel without stress.

Business Banking Services

For entrepreneurs and small business owners, we provide comprehensive business banking services, including merchant services and business loans. Let us support your growth ambitions with tailored solutions designed for success.

Convenient Access

At Great Lakes, convenience is key. Our members benefit from ATM and cash withdrawal services, as well as basic drive-thru banking for quick deposits, withdrawals, and simple transactions. This means you can manage your banking needs efficiently without long waits or hassle. We invite you to explore all that we have to offer at Great Lake Fcu. Whether you're looking for personal finance solutions or business support, our friendly team is ready to assist you every step of the way. For more information about our services or to speak with a representative, please call us at (989) 893-2831 or visit us online at https://www.greatlakesfcu.com/ . Join us today and experience the benefits of being part of the Great Lakes community!

Credit Cards with Rewards

Our credit cards with rewards allow you to earn while you spend! Use them for everyday purchases and enjoy benefits that enhance your lifestyle.

Home Financing Solutions

Dreaming of homeownership? Our mortgage loans and refinancing services can help turn that dream into reality. We guide you through every step of the mortgage process, ensuring that you find the best solution for your unique situation.

Personal Banking

Whether you're just starting out or looking to grow your savings, our personal banking options are designed with you in mind. We offer checking and savings accounts that help you manage your everyday finances effortlessly. Imagine having easy access to your funds through our online and mobile banking features, allowing you to check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. Whether you need funds for an emergency or want to streamline your payments, we're here to assist.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check your balances, transfer funds, and pay bills with just a few clicks. Our user-friendly interface makes it simple to manage your account in real-time, so you're always in control of your finances. Plus, with the availability of e-statements, you can say goodbye to paper clutter and easily access your financial documents whenever you need them. For those who prefer mobile banking, our mobile application is here to help. It allows you to make mobile payments effortlessly and provides a convenient way to handle transactions from your smartphone. Although we currently do not offer person-to-person transfers, our other features ensure that sending money is as straightforward as possible.

Security and Convenience

Your security is our top priority. We offer electronic signature authorization, adding an extra layer of protection for your transactions. You can feel confident knowing that your personal information is safeguarded while using our services. At Great Lakes, we are committed to providing accessible banking solutions that cater to all members. Our digital tools are designed for ease of use, ensuring that everyone regardless of tech-savviness can navigate their financial journey with confidence. Experience the convenience of banking on your terms with Great Lakes's digital and online banking services today! For more details or to get started, visit us at https://www.greatlakesfcu.com/ or give us a call at (989) 893-2831.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 8,859, showing a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments) totaling $202,976, we stand ready to assist you when you need it most. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Great Lakes is your trusted partner. Visit us at 415 Washington Ave Bay City Mi 48708 or call (989) 893-2831 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.*

Commitment to Growth

With $5,124,037 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 reflected in the $513 in used auto loans and $28,414,409 in total loans and leases. This supports your financial goals across various sectors.

Member-Centric Resources

Members' savings are secured through $3,033,219 in share certificates and $1,311,693 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 $107,248 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 16 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $6,779,258, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,143 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 provide some of the most competitive rates in the industry. With over $8,107,507 in used vehicle loans and $2,294,892 in new vehicle loans already helping members get on the road, you can trust us to get you behind the wheel without breaking the bank.

Business Loans

For those looking to grow their business, our outstanding commercial loans totaling $302,063 provide the capital needed to expand operations or invest in new opportunities. We understand the unique needs of business owners and are committed to supporting local enterprises.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,103,033, make buying or refinancing simple. We're here to guide you through every step of the process, ensuring that your dream of owning a home becomes a reality.

Refinancing Options

If you're considering refinancing any existing loans, we also have options available that could save you money over time. Our team is ready to discuss eligibility criteria and help determine if refinancing is right for you. We invite you to reach out for more information on our loan offerings by calling us at (989) 893-2831 or visiting us online at https://www.greatlakesfcu.com/. Our friendly staff is here to assist you from Monday through Saturday with any questions you may have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let's work together towards achieving your financial goals!

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $587,115 in loans helping members effectively manage their budgets. Whether it's unexpected expenses or planned purchases, our credit cards can help ease your financial load.

Loan Aggregator

Accurate Loan 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 ensures that all offers are fair and transparent. Each loan comparison reflects current rates and terms, allowing users to see what various institutions offer without hidden agendas.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they receive is accurate. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every option presented is based solely on the merits of the loans. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. You won't waste time sifting through outdated or inaccurate information. 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 testimonial reflects how our platform can lead to significant savings for borrowers. 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.

GREAT LAKES FEDERAL CREDIT UNION