Products & Services

 

►Saving/Checking Products

►Automated Services

►Clubs

►Other Member Services

►Member Rewards Program

Saving/Checking Products

Regular "Share" Savings Account– This is the most basic savings plan, and it entitles members to apply for all of our other great services. These funds are available to members anytime and pay generous dividends. The share account serves as a great place to store money for all savings needs.

Special Purpose Savings – Members may choose to open a special purpose savings account under their primary membership. You may open special purpose accounts for any reason, such as vacation, taxes, etc.

Christmas Club – What a great opportunity to save up for the holidays! Members may open a Christmas Club anytime under their primary account. Funds are placed in your primary savings account on October 1st.

High Yield Money Market – A GR Consumers Credit Union High Yield Money Market account offers members a greater investment return. Members start this account with a minimum balance of $1000. The dividend rate may change from month to month. Some restrictions do apply to this account. View current rates.

Certificate of Deposit – Certificates of Deposit are high yielding, no risk investments that allow a member to secure a fixed rate of return for an extended period of time. Members can choose from a certificate with a minimum as low as $200 and a term as short as six months, or as long as four years. View current rates.

IRA Accounts – Want to retire in style? Want to save up for your child's education? We can help! At GR Consumers Credit Union we offer Traditional IRA's, Roth IRA's, and Coverdell Education Savings Accounts. These accounts earn a higher rate of interest than regular savings accounts and some even offer a great tax deduction benefit. The deposit insurance limit for IRA's is $250,000. This coverage is separate from insurance on other credit union accounts. Insurance coverage for other share and deposit accounts is $250,000.  View current rates.

Checking Accounts – No hidden fees, No gimmicks - just convenience! Enjoy the benefits of:


Automated Services

Audio Banking – Access your account using a telephone from just about anywhere. With our CU*Talk Audio Response System you can check balances, make transfers, and see what checks have cleared your account. Members may call (616) 285-5720 or 1-800-860-5704. Our credit union id is 127.

Debit Cards – A MasterMoney Debit Card is so convenient. Your card may be used at any ATM machine for instant cash. This card saves our members from writing a check. A debit card accesses funds from your checking account and is accepted anywhere the Mastercard logo is displayed.

Direct Deposit and Routing Number – When setting up your deposit, use your base account number with suffix code 000 for regular savings or 003 for checking - no dashes or spaces are needed, i.e., 123456 = 123456000 for savings, 123456 = 123456003 for checking.  Your routing number is 272486164.

ItsMe247 Online Banking – Access your account from your computer. View your accounts, receive E-Statements, make transfers, loan payments, and much more!

Online Bill Pay – You'll save time, money, and have complete control. Rest assured, CU*Easy Pay is safe and secure. Just click the "Pay My Bills" icon from Its Me 247. Step-by-step, point and click instructions will guide you through enrollment and set-up. You are able to pay any bill, including your house payment, your credit card company - even your babysitter - at any time, from anywhere!  In addition, you are able to transfer funds to between financial institutions.  There is a monthly $1.50 dormant fee if you sign up for Online Bill Pay and do not use this service.

Mobile and Text Banking - We're open any time your phone is on!  Sign up for mobile and text banking next time you sign in to ItsMe247


Clubs

America's Future Club

Kid's Club

 


Other Member Services

XTend Shared Branching – Access your accounts at credit unions anywhere you see the X-tend sign. You are able to perform transactions such as withdrawals, deposits, loan payments, transfers and balance inquiries. Please keep in mind that when depositing or cashing a check at a Shared Branching Location, a hold may be placed. Contact us and we can determine when the hold can be removed. Find a location near you!

ATM Locations– Our on-site ATM allows our members to make deposits, withdraws, and balance inquiries at any time of the day or night.  Plus, get 24/7 access to your accounts at nearly 30,000 ATM's nationwide through our partnership with Co-op Network.

Drive-thru Teller Window – Our drive-up teller window allows members to complete their regular banking transactions quickly without having to leave their car.

Night Depository – It's a safe and secure way to get your deposit to us even when we're not open.

 


Member Rewards Program

Bronze Level Rewards
Point Level 0-99

Silver Level Rewards
Point Level 100-199

  • 4 free ATM Transactions*
  • Free Checking with Overdraft Protection
  • Free Debit/ATM Card
  • Free Debit Card Usage for Signature Based Transactions
  • Free Notary Service
  • Free Online Bill Pay
  • Unlimited Home Banking

 All Bronze Level Rewards plus:

  • 6 free ATM Transactions*
  • Free Photocopies

 

Gold Level Rewards
Point Level 200-299

Platinum Level Rewards
Point Level 300 and above

All Silver Level Rewards plus:

  • 8 free ATM Transactions*
  • .25% Discount on VISA® Card**
  • .15% Discount on Consumer Loans
  • .15% Bonus Rate on CDs

 All Gold Level Rewards plus:

  • 10 free ATM Transactions*
  • .25% Discount on VISA® Card**
  • .25% Discount on Consumer Loans
  • .25% Bonus Rate on CDs
  • Free Cashier's Checks

 Member Rewards Point Scale

Share Products Points
Checking Account 25
Individual Retirement Account (IRA) 25
Money Market Account 25
Term Share Certificates (CD) 25
Account Balances $500 - $999 25
Account Balances $1,000 - $2,499 50
Account Balances $2,500 - $19,999 75
Account Balances $20,000 and over 100
 Lending Products  
 Mortgage Loans  100
 Home Equity Loans  50
 Loan Balances $100 - $4,999  25
 Loan Balances $5,000 - $19,999  50
 Loan Balances $20,000 - $49,999  75
 Loan Balances $50,000 and over  100
 Self Service  
 Debit/ATM Card - Active  75/25
 GR Consumers Credit Union VISA Card  50
 Audio Banking - Active  25
 Home Banking - Active  50
 E-Statements - Active  25
 Deposits  
 Direct Deposits (min. $400 per month)  50
 Loan Payments (via Automatic Funds Transfer)  25
 Club  
 Business Partner Ambassador Club  50
 Points Deducted For  
 Negative Share Account  -100
 Delinquent Loan Account  -200

 

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act