Credit Union Auto Club

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What's New 


Get CASH BACK during GraCo FCU's Auto Loanapalooza beginning Sept 1st through Nov 30th!

Your new or used auto purchase financed at GraCo FCU by November 30, 2014, could give you $50, $100, or even $200 cash back for your pocket. Get a pre-approval before you go shopping or, if you're out shopping at our local dealerships, ask them to send your loan request to GraCo FCU.

Not looking to buy a new auto? How about refinancing the auto you have with another lender at GraCo FCU? We'll give you the same low rates and cash back!

Start shopping... and finance with GraCo!

(Restrictions apply. all applications are subject to approval.)


GraCo FCU has partnered with Uptown Travel in Mt. Pleasant to make your next vacation one to remember!

You deserve a vacation and GraCo FCU can help. Book your vacation with Uptown Travel and finance it at GraCo FCU to receive a FREE GIFT and a LOW PROMOTIONAL RATE!

Contact GraCo FCU at 989-463-1247 or Uptown Travel at 989-773-3446 to start planning your next getaway.

($2500 maximum for promotional rate. All applications are subject to approval.)


With GraCo FCU's Decision Now loan processor, you can now get instant 24 hour loan approval!

To apply for your loan, click the red LOAN APPLICATIONS button on the left and choose the type of application you wish to send.

When you submit the request, you will receive an approval or a pending response. The pending response does not mean that your request is denied, it just means that we need more info from you.

An approval will require you to set a time with the credit union to disburse the loan and receive the funds. You can contact us at 989-463-1247 or we'll contact you at the number you list on your application.

Just one more reason to think GraCo Federal first for all of your financing needs!

(We will need to have verification of your income and a $20.00 loan processing fee is required.)


EStatements are a safe, fast, and convenient method of receiving your monthly or quarterly statement. They also reduce the amount of paper used by the credit union and significantly reduce our expenses. If you have not yet signed up for eStatements, please do so before the 20th of the month to avoid a $3.00 statement printing fee at month end. Instructions are available at the office. Fees will be assessed for printed statements (limited exceptions apply). Please call or stop by for assistance (989-463-1247).


Effective April 1, 2013, GraCo FCU is a member of the Co-Op ATM Network giving you surcharge free ATM access to your funds on any Co-Op ATM nationwide!

Click the Co-Op Network ATM Locator link above to find the surcharge free ATM nearest you!

GraCo FCU hours:

Monday, Tuesday, Thursday 9:00 am-5:30 pm
Wednesday 10:00 am-5:30 pm
Friday 9:00 am-7:00 pm
Saturday 9:00 am-12:00 pm

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