Member Services

This is your primary savings account at the credit union. You may be entitled to have other services, now that you have this account. Your regular shares may also be used for overdraft transfers to your checking and can be used as security on a loan. Share Accounts (including minor accounts, sub share accounts, and regular share accounts) are now paying 0.50%.

Vacation Club
Your vacation club is a "separate" savings account from regular shares. It can be used for any purpose and may be deposited into the account until May 31st. Dividends are paid June 1st of each year. Vacation Clubs are now paying 2.00%.

Christmas Club
This is an ideal way to save for your holiday expenses. You are able to make deposits throughout the year for any amount at any time. This account is closed on November 1st of each year by a transfer to your regular share account. Dividends are paid to the Christmas Club account before the transfer is made. Christmas Clubs are now paying 4.00%.

By investing in a credit union certificate of deposit, you earn a higher dividend than the regular share account. You must deposit a minimum of $500.00 to open a certificate. Dividends are paid back into the certificate or into your regular share account.

Certificates may not be added on to during their term and withdrawals made from the original amount of the purchase is subject to a penalty. You can direct your certificate dividends to be paid back into the certificate, into your regular share account, or we can mail a check.

Developing sensible financial habits at an early age can be the key to responsible behavior. A youth account at Gratiot Community CU is a great way to teach kids the value of saving for their future. It's never too early to start your child's savings account and get them involved in handling money. The credit union makes it fun and easy.

Having a checking account with Gratiot Community CU allows you the following benefits:

• No per check fee
• Overdraft transfer availability
• Overdraft loan protection (to qualifying members)
• Dividends paid on balances over $2,500.00 on Investment Checking only

Telephone banking - Try It! Our 24 hour telephone banking system will give you balances, allow you to make transfers, as well as quote you our current rates. Dial 1-800-860-5704 for CU*Talk. If you are a first time user, call and we will walk you through all the steps you will need.

We offer several types of IRAs. Please contact the office for rates and further information. The rate for an IRA account is currently 2.25% and an APY of 2.28%.

This is the safest and most convenient way to deposit your government and/or pay checks. Your money is automatically transferred to your Credit Union and you don’t have to worry about lost, stolen or delayed mail checks. Also, payroll deduction of your net pay is a great way to save more or make your monthly loan payments. Even better, there’s no cost to sign up for either service. Call or visit the Credit Union office for the details.

Need a loan? We have several different kinds of loans for whatever your need may be. We have auto loans, recreational vehicle, boat, lawn mower, motorcycle, home equity, Visa card, and yes, even vacation loans. You can finance or refinance all kinds of fun stuff. Great Rates Too! Come in and visit our loan department and find out within one hour if you are approved.

Make Your College Dreams a Reality With a CU Student H.E.L.P. Loan!

We understand that college tuition, fees and room and board can add up. But, the college experience is worth every penny. That's why we have partnered with the CU Student Higher Education Loan Program (CU Student H.E.L.P.) to offer a private student loan program for undergraduate, graduate and continuing education students.

We encourage all of our members to maximize scholarships, grants, and federal loans before applying for a private student loan. If these sources of aid fall short, a CU Student H.E.L.P. loan can help. Whether you need a little money to help pay college expenses or have to cover your entire Cost of Education, a CU Student H.E.L.P. loan can help you get the money you need to pay for college.

Apply online today and receive an online decision in less than a minute. Or you can apply by phone at (877) CUEDLOAN or (877) 283.3562.

You may qualify for federal student loans. We encourage prospective customers to exhaust federal student loan options before applying for a CU Student H.E.L.P. loan or other private student loan, as federal loans are often less expensive and offer the widest variety of repayment options.

CU Student H.E.L.P. is administered by CampusDoor. All loans are subject to credit approval. Lender is Lehman Brothers Bank, FSB. Equal Opportunity Lender. (Credit Union Name Here) is compensated for the referral of private loan customers to the Lender.

• Debit Cards Now Available!
• Automated Teller Machine (ATM) - Allows you access to your money 24 hours a day, 7 days a week
• Audio Response System - CU*TALK - Access your accounts by telephone 24 hours a day, 7 days a week
• Home Banking with CU*@HOME - Bank on the internet anytime, any place

We now have Cedar Point tickets.

Cedar Point:

• One Day Tickets $35.00
• Two Day Tickets $67.00
• Junior Tickets (over 4yrs but under 48” tall) $13.95