Home > Personal Loans Near Me > Michigan > Alma > Gratiot Community Credit Union
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Credit union

Gratiot Community Credit Union W Center St, Alma

3.5
(10)
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Phone:

+1 989-463-8321

Website:

https://www.gratiotcu.org/

Address:

211 W Center St, Alma, MI 48801, United States

Gratiot Community Credit Union Reviews

3.5
10 Reviews
  • B

    BennieDa Jett
    2

    Usually a good bank to do business with, but if you get hit with hard times financially quite often, this is not a bank for you. I had a check sent from out of state deposited in my account and was told there would be a seven day waiting period for the check to clear. Well, the check cleared the day after I deposited it so I went in to withdraw $200 from my account only for them to tell me I had to wait the whole seven days to access it. I told them the checked cleared and they admitted the money was in my account, but they told me they could not give me any of MY money until the waiting period was up. I asked for an explanation and the manager would not give me a straight answer. Literally, he said "the money is in your account, but we have to give it a few days to make sure that it's really there." Made no sense. I called the Ithaca branch to send me documents stating their reasons to why they have the right to hold cleared checks. The only reason that applied to me was because my account has been overdrafted several the last 6 months.. While that is my fault that I didn't have enough money in my account to cover my automatic bill payments, I feel like it is wrong to punish someone for having financial troubles. Who are they to keep a hold on my money that I need to support myself and my family all because I've had issues with money in the past? Thanks to them, I don't get to drive anywhere for another five days among other things I have to wait on now. It's unfortunate because I have been with them for almost 10 years and they usually treated me very well up to this point. I won't be doing business with them any longer. If anyone who reads this is with GCCU, I recommend dealing with the Ithaca branch, they seem to be much nicer and more helpful there. The Alma branch only seems to care about getting you out of their hair when you need their help, they definitely don't like to be inconvenienced.

  • b

    billy hamilton
    2

    Well first don't get in no hurry for a loan my wife applied over a week ago they keep spinning her, meaning they keep telling her their busy and will call next day and of course they don't...went through a different bank approved sane day thinking new bank for sure. We needed the loan that day or shortly there after not over a week later.

  • D

    Dakota Price
    5

    Excellent customer service and the loan officers are awesome to work with! GCCU gave me the best rate and I was notified within minutes of submitting the application.

  • G

    Gerald Willingham
    2

    The bank itself is just fine, but I hate being on hold for 45 minutes. Other then the ineptitude with their phone, I am pleased with them.

  • S

    Saleen Yates
    5

    We went through GCCU for our auto loan and we worked with Wendy. I would 10/10 recommend recommend going through her. We never had an issue with her. Very helpful, very understanding, and actually wants to help the people coming in for their auto loans. We would gladly work with her again.

  • S

    Saleen Yates
    1

    I would give 0 stars if I could. When our loan officer was out of the office, we had to work with Lisa. Lisa was not very welcoming, did not want to help us because we were not her customers. Refused to answer our calls, did not email us like she was supposed to and denied every car we sent her way. She blew us off. When we went in to sign for papers, we had to wait 20-30mins for her to finish gossiping with someone else only to bring us in and say she wasn’t approving us. She also had an attitude every time we spoke to her so we just said forget it and we will wait for our loan officer to be in.

  • D

    David Sebring
    5

    This is a great place to do business . They are exactly what they are suppose to be . Very friendly people to deal with . I have been with them for years with zero issues . If I have a question , I get a immediate answer . They help me understand things in banking I know little about . I would and have recommended them to many people . Far better than large , impersonable banking systems .

  • J

    Jamison Walker
    1

    So I moved to Alma early last year, I chose to open an account here to support local businesses. Everything was good and the workers are friendly. However, be wary that using the mobile banking is not accurate, in fact information on their system is not updated as you use your card apparently. I would use my card and these transactions would not even show up as a pending transaction for a week. So thinking I had more money than I did I spent the money that seemed to be available. I would spend $50 and wake up in the morning with a -$400 dollar balance. They did this for months before I realized what was happening. When I pointed it out they told me I have to know the difference between available balance and actual balance. Which is true and I have for a while I do a lot of banking. The thing is when I asked them to pull up my debit transactions from Meijer that occurred the day before they couldn't even find them in their system. I gathered 100's of dollars in fees from these situations. My business checking I opened is another story, I had deposited $25 to get my first set of checks from them. I waited two weeks and the funds were still there and no checks. After everything that happened I decided to switch banks. So I removed the $25 and went to Huntington, the next day I receive the checks in the mail and there's now a $25 charge and an overdraft fee on that account. I was so upset I withdrew $500 form my personal checking at GCCU and left trying to at least get back some of the money they legally stole. I am facing repercussions from that of course. Then I finally go to get my statements emailed today and they charge $2 per statement. They really know how to make their money here. My business has very good projections from 2020 in Alma and I will say that GCCU will not be supported by myself or the business. Businesses should not find every way they can to take money from people that already have so much to worry about. I consider this a professional review leaving only facts and no attacks.

  • C

    Cory Schlis
    1

    10/10's dont recommend. For the last year I did everything I was asked to work to this credit unions requirements to get a debit card (admittedly bad credit situation). Now that I'm threatening to leave, I'm being told there's a program that works for me. But it starts in two weeks. BAHAHAHAHAHAHAHAHAHAHA 👋

  • S

    Samantha Mitchell
    5

    They were the best rates on an automobile loan that had been rebuilt after an accident. They were accommodating to our needs, and affordable. Good service!

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FAQs

  • 1. How Can I Contact Gratiot Community Credit Union?

    Just ring them at this phone number +1 989-463-8321. You can also search through their website and submit your loan details online.
  • 3. What Are the Steps to Get a Loan at Gratiot Community Credit Union?

    To apply for the loan you want, you can search through their website and submit your loan details online. If you are searching for payday loans, you can visit our website for more details.
  • 5. What to Do if I Fail to Pay Off My Loan?

    You may consult with your lender if you feel it hard to repay the loan on time. Different lenders have different standards to deferred payment. Please go over all details before signing any loan agreement.
  • 2. What Is the Site Of Gratiot Community Credit Union? How Can I Get There?

    Gratiot Community Credit Union is situated at 211 W Center St, Alma, MI 48801, United States. Please carefully check the map and identify the fastest route to access it.
  • 4. Is Gratiot Community Credit Union an Agency or a Lender?

    Gratiot Community Credit Union is a Credit union. To make your lending process fast and easy, we connect you wth a large pool of honest lenders over the internet. You can visit our official site to secure a small personal loan with no hard credit check.
  • 6. Does Gratiot Community Credit Union Offer Bad Credit Loans?

    Yes, but if you want to improve your likelihood of success, we are here to help! Just turn to our online service to secure a long-term installment loan even with your low credit scores.