Business Details
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Your Trusted Financial Partner in Alma, MI
Gratiot Community Credit Union has been dedicated to serving the financial needs of our members since our establishment. We operate as a member-owned cooperative, prioritizing personalized service and community development. Our team of experienced professionals offers a comprehensive range of financial products including checking and savings accounts, auto and home loans, credit cards, and business banking solutions. We maintain strict compliance with regulatory standards while focusing on competitive rates and minimal fees. Our commitment to transparency is demonstrated through detailed fee schedules and clear communication channels.With two full-service branch locations in Alma and Ithaca, Michigan, we provide convenient access to banking services through extended drive-thru hours and shared branching networks. Our technology infrastructure supports secure online banking, mobile applications with card controls, and 24/7 access to critical services like lost card reporting. We maintain federal insurance through NCUA and partner with trusted institutions to expand our service capabilities. Our governance structure includes board-approved fee schedules and operational policies designed to protect member assets while ensuring long-term financial stability.
Services
Checking Accounts
Home Loans
Auto Loans
Credit Cards
Business Banking
Online Banking
ATM Services
Mobile App
Notary Services
Wire Transfers
Details
- Year established: 2025
Highlights and features
- We maintain federally insured accounts backed by NCUA
- Our fee schedules are transparent with multiple waived conditions
- We offer 24/7 access to critical banking services
- Our local branches provide personalized community banking experience
- We partner with 195+ credit unions through shared branching networks
Associations and certifications
- NCUA
- Xtend Shared Branching
- CU HERE
Services
Checking Accounts
Our free checking accounts provide essential banking services with member benefits including no per-check fees, overdraft protection options, and dividend earnings on qualifying balances. Members receive free debit cards and access to shared branching networks. Account holders enjoy convenient features like direct deposit, payroll deduction options, and secure online banking platforms for managing transactions and monitoring account activity.
Home Equity Loans
We offer competitive home equity loans starting at 6.25% APR* with flexible terms for homeowners seeking to leverage their property value. Our lending specialists provide personalized guidance through the application process, including detailed explanations of loan-to-value ratios and repayment options. These secured loans can be used for home improvements, debt consolidation, or major life expenses while maintaining favorable interest rates compared to alternative financing options.
Business Banking
Our business banking solutions include specialized checking accounts and lending products designed for commercial clients. Features include waived monthly service charges with qualifying balances, business-specific loan programs, and commercial wire transfer capabilities. We provide essential services like merchant account support, payroll processing solutions, and business financial planning tools to help local enterprises manage cash flow and growth opportunities effectively.
Mobile Banking
Our mobile banking app offers 24/7 account access with security features including card controls for instant card deactivation and transaction monitoring. Users can deposit checks remotely, transfer funds between accounts, and locate surcharge-free ATMs through the CU HERE network. The application provides real-time balance updates, bill payment scheduling, and secure messaging for direct communication with credit union representatives.
Shared Branching
Through our Xtend Shared Branching membership, account holders gain access to over 195 participating credit union locations across the country. This service allows members to conduct routine transactions like deposits, withdrawals, and loan payments at any network branch while maintaining their primary account relationship with Gratiot Community Credit Union. The program extends convenience for members traveling or temporarily residing outside our local service area.
People
Melissa
Notary Public
Experienced financial services professional providing notary services at our Alma branch location. Specializes in document verification and member support.
Rob
Notary Public
Certified notary with extensive experience assisting members with document authentication at our Ithaca branch location.
Katina
Notary Public
Financial services specialist offering notary services and member assistance at our Alma branch facility.
Questions
What are your current loan interest rates?
Our auto loans start at 4.75% APR, credit cards at 9.90% APR, and home equity loans at 6.25% APR. Rates may vary based on creditworthiness and loan terms.
How can I report a lost debit card?
Call 1-800-543-5073 after business hours or contact us directly during regular operating hours at either branch location.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and specialized financial services for local businesses with dedicated support.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA).
What shared branching locations are available?
Through Xtend Shared Branching, you can access over 195 credit union locations nationwide. Visit xtendcu.com for specific locations.
How do I access mobile banking features?
Download our mobile app to access card controls, remote check deposit, account management, and real-time transaction alerts from any mobile device.
