Great River Credit Union Niles MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Great River, your trusted financial partner located at 1012 S 11th St, Niles, MI 49120. Established in 1948, we have proudly served our community for over seven decades, building lasting relationships and empowering our 20,829 members with personalized banking solutions. With total assets of $345,334,545 and total deposits reaching $9,713,162, we are committed to providing our members with safe and secure financial services. At Great River, we understand that every member has unique needs. That's why we offer a wide range of services from checking and savings accounts to auto loans and mortgage refinancing. We also provide business banking options to help local entrepreneurs thrive. Our dedicated team of 83 employees, led by CEO Brant Hicks and Board President Mark Skaj, is here to guide you through every step of your financial journey. While members can visit us at our branch location in Niles, official correspondence should be sent to our mailing address at 1532 W Saint Germain St, Saint Cloud, MN 56301-4129. Join us today to experience the Great River difference! Call us at 269-684-6512 or visit our website at Great River FCU for more information about how we can assist you with your financial goals. Your journey toward financial success starts here!

Branch History & Mission

Join Us

We invite you to become part of the Great River family! Experience firsthand how our commitment to excellent service and community support can help you achieve your financial goals. Whether you're looking for everyday banking solutions or specialized financial products, we're here for you. Call us at 269-684-6512 or visit us today! Your journey towards financial empowerment starts here at Great River.

Our Journey

From our inception, Great River has focused on community and member service. We have weathered economic changes and embraced opportunities for growth while staying true to our founding values. As a member-owned cooperative, we prioritize the financial well-being of our members above all else. Through innovative products and services tailored to meet the diverse needs of our community, we have built lasting relationships based on trust and support. Our commitment extends beyond banking; we actively engage in partnerships with local organizations to foster community development and provide resources for those in need. This focus on outreach not only strengthens our community but also enriches the lives of those we serve.

Our Mission

At Great River, our mission is simple yet powerful: to empower our members through personalized financial solutions that promote their success and enhance their quality of life. We strive to provide comprehensive banking services including personal accounts, auto loans, mortgages, credit cards with rewards, and business banking options. Our dedicated team is here to guide you every step of the way. In addition to traditional services, we embrace digital advancements with features like online banking and mobile payments. We are committed to making banking accessible for everyone while ensuring ADA compliance so that all members can enjoy our services without barriers. While members can visit us at 1012 S 11th St for their banking needs, official correspondence should be sent to 1532 W Saint Germain St, Saint Cloud, MN 56301-4129 if needed.

Branch Location & Accessibility

Accessibility Features

We pride ourselves on being accessible for all members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can comfortably access our services.

Call to Action

We invite you to stop by and see how we can help with your financial journey! If you have any questions or would like more information about our services, feel free to call us at 269-684-6512. We look forward to welcoming you at Great River!

Nearby Landmarks

Located near local favorites and essential services, our branch is just a short drive from the Niles District Library and the scenic Riverfront Park. You'll find plenty of parking available right outside our doors, making it simple to pop in for a visit.

Operating Hours

Great River is open Monday through Friday from 9:00 AM to 5:00 PM, with Saturday drive-thru hours from 10:00 AM to 1:00 PM. We understand that life gets busy, so we aim to offer flexible hours that fit your schedule.

Services Offered

At our Niles branch, we offer a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, enjoy the convenience of basic drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At Great River, we believe that everyone deserves a place in our supportive community, and becoming a member is both easy and welcoming. If you live, work, or worship in the Niles area, or have a family member who is already a member, you can join us. Our eligibility criteria are designed to be inclusive, allowing more people to experience the benefits of membership. You'll enjoy access to personalized banking services, competitive loan rates, and a team that truly cares about your financial well-being. For more detailed information on how to qualify for membership, feel free to check out our website at https://www.greatriverfcu.org/membership/ . Once you're ready to take the next step, opening an account at Great River is simple! Just visit us at our branch located at 1012 S 11Th St Niles Mi 49120, or give us a call at (269) 684-6512 for assistance. We're here to help guide you through the process so you can start enjoying all the advantages of being part of our credit union family! For additional details on account opening, visit https://internetloanapplication.cudl.com/greatriver/ .

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,097,182, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify payment processing for your business. Imagine being able to accept payments anytime, anywhere, without hassle. Whether you're running a storefront or an online shop, our solutions make transactions smooth and efficient, allowing you to focus on what matters most growing your business. At Great River, located at 1012 S 11Th St Niles Mi 49120, we're here to partner with you on your journey toward success. Contact us today at (269) 684-6512 to explore how we can assist you!

Comprehensive List Of Services

Business Banking

At Great River, we also support local businesses through tailored banking solutions. Our business banking services, including merchant services and business loans, are designed to help entrepreneurs thrive in today's competitive market.

Convenient Access

We understand that life can be busy; that's why we offer convenient access through our ATM and cash withdrawal services, along with basic drive-thru banking for deposits and simple transactions. You can bank on your schedule without compromising on service quality. As part of our commitment to making banking easier, our online features include mobile payments and person-to-person transfers perfect for managing finances on the go. In summary, no matter what your financial journey looks like, Great River is here to support you every step of the way. If you'd like more information about any of our services or want to discuss how we can help you achieve your financial goals, feel free to give us a call at (269) 684-6512 or visit us today! Join us at Niles, where we are dedicated to serving our community with comprehensive financial solutions tailored just for you!

Loans and Financing

When it comes to financing, we offer a variety of options to suit different needs. If you're thinking about purchasing a new car, our auto loans and vehicle financing can help get you on the road quickly and affordably. For those looking to buy a home or refinance an existing mortgage, our mortgage loans provide competitive rates and flexible terms. For personal projects or unexpected expenses, our personal loans and debt consolidation services allow you to manage your finances without stress. And if you're looking for a way to make everyday purchases more rewarding, check out our credit cards with rewards that offer benefits for every dollar spent.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you reach your financial goals. Need to save for a big purchase or simply want a place to keep your funds safe? Our accounts come with features that make managing money easier than ever. Plus, with our online and mobile banking options, you can check balances, transfer funds, and pay bills anytime, anywhere.

Digital & Online Banking

Additional Features

For those who prefer less paper clutter, we offer e-statements, ensuring that you can review your financial history without the hassle of physical paperwork. If you're into mobile payments, we've got you covered there too! Our mobile payments feature lets you make purchases quickly and securely right from your device. At Great River, we strive to provide a user-friendly experience that adapts to your lifestyle. Whether you're checking your account while waiting in line or transferring money during your lunch break, our digital services empower you to take control of your finances whenever it suits you best. Explore all these features and more by visiting us at https://www.greatriverfcu.org/ today!

Key Services

Our online banking platform provides real-time account management, allowing you to check balances, pay bills, and transfer funds effortlessly. You can also enjoy the ease of person-to-person transfers, making it simple to send money to friends or family with just a few clicks. Plus, our mobile application enhances your banking experience on the go, giving you access to all the features you need right from your smartphone. Security is a cornerstone of our digital services. We use advanced encryption technology to protect your information while offering electronic signature authorization for added convenience when signing documents. You'll feel secure knowing that your transactions are safe with us.

Financial Strength

A Growing Membership Base

With 40,981 total share accounts, we have established a strong and growing member base that trusts us with their finances. This trust underscores the importance of transparency and accountability in everything we do. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Great River is your trusted partner. Visit us at 1012 S 11Th St Niles Mi 49120 or call 269-684-6512 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.

Member-Centric Savings Opportunities

Members' savings are secured through $106,409,054 in share certificates and $30,871,615 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 financial performance reflects our operational efficiency. Despite showing a net income of -$1,828,904, this situation allows us to identify areas for improvement and growth. Our dedicated team of 73 full-time employees and 10 part-time employees ensures our branches are always ready to serve you with knowledgeable support.

Reinvesting in Member Services

With $23,607,027 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 significant; with $288,251,369 in total loans and leases including $2,386 in used auto loans we support our members' financial goals across various sectors.

Robust Financial Health

With a net worth of $24,291,947, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 703 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 offer some of the lowest rates in the industry, with over $35,256,057 in used vehicle loans and $5,084,310 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options that might save you money.

Business Loans

For business owners, our outstanding commercial loans totaling $4,097,182 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; our team is ready to assist you every step of the way. At Great River in Niles, MI (1012 S 11Th St), we're committed to providing personalized service and support. Whether you need guidance on which loan product is right for you or assistance with the application process, don't hesitate to reach out at 269-684-6512. 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 us help you take your next financial step today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,387,167, make buying or refinancing simple. We strive to provide a straightforward application process and competitive rates to help you secure the home of your dreams.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,194,714 in loans helping members manage their finances effectively. Our credit cards come with various benefits designed to fit your lifestyle.

Loan Aggregator

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GREAT RIVER FEDERAL CREDIT UNION