Credit Union Auto Club

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What's New 


Please help us make a memorable holiday for our Adopted Family! Donations must be received by DECEMBER 8TH.

Mom and Dad (Ages 39 & 37) would like personal items, cleaning supplies, gas cards, movie cards, or food cards

Son #1 (Age 13) would like DVDs (San Andreas, action movies, new Avengers movie), movie cards, American Eagle gift cards, shaving kit, cologne, small blue tooth speaker, twin electric blanket, undershirts, socks. Sizes: Shirts - men's medium Pants - 28/32

Son #2 (Age 11) would like dance music CDs, family oriented DVDs, green case for 7" tablet, small blue tooth speaker, Michigan State University items, long sleeve pullover MSU shirts, cologne. Sizes: Shirts - large Pants - 16

Daughter (Age 9) would like dance music CDs, family oriented DVDs, hair things, perfume, arts & crafts items, nail polish, necklace with the letter "S", Barbie camper, Shopkins set (anything), clothes, socks, underwear. Sizes: Shirts - 12 Pants - 12 slim

We have 2016 Calendars for sale for $2 to go toward Christmas presents. Cash donations are welcome!


GraCo FCU will be closed on Thursday, November 26th for Thanksgiving.

Our Christmas and New Year's hours are as follows:
Christmas Eve - December 24 - OPEN 9 - 1
Christmas Day - December 25 - CLOSED
We will also be CLOSED on Saturday, December 26th

New Year's Eve - December 31 - OPEN 9 - 1
New Year's Day - January 1 - CLOSED
We will also be CLOSED on Saturday, January 2, 2016

Please plan ahead. Order your Visa Debit or ATM card today!


Let us make your decision to purchase a new auto easier... Now through November 30, 2015, get $50, $100, or even $200 cash back on your new or used auto purchase financed with GraCo FCU or refinanced from another lender! View our current auto loan rates by clicking the RATES button on the left. Choose the CALCULATOR button to compute estimated loan payments. Stop in our office to complete an application for pre-approval or click the LOAN APPLICATIONS button to apply online. There are lots of nice looking autos for sale... why not make one of them yours? (Contact GraCo FCU for details and restrictions. 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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