Home Equity Loans

GR Consumers Credit Union offers all types of loans from a signature loan for repairs, vacation, and more to vehicle loans, credit cards, home equity loans and mortgage loans. Ready to apply?  Apply here!

Applying for a loan at GRCCU is easy.  You can apply online by clicking here, give us a call at 1-844-538-3325, or stop in at our branch.  

No, you do not need to be a member to apply for a loan at GRCCU. Once you are approved and ready to sign for your loan, you will need to become a member. A $5.00 savings account deposit is required for membership. Anyone who lives, works, worships, or goes to school in Kent, Ottawa or Muskegon Counties in the State Of Michigan is eligible to join GRCCU as well as family members of our members and retirees in the previously mentioned counties.  

Click here to apply for a loan.

Yes, GR Consumers Credit Union offers used auto loans of all ages and purchase price.  You choose your ride. We'll help you get the keys!  Cars, trucks, motorcycle, snowmobile, RV . . . and more.  Learn more here.

GR Consumers Credit Union does not offer student loans.

Get pre-approved today!  Apply online by clicking here or give us a call at 1-844-538-3325

GRCCU offers several options for making your loan or credit card payment. Choose to let us make your payment for you each month with Automatic Funds Transfer from your GRCCU savings or checking account. Or choose to make your payment via your online banking or mobile app. Prefer to make your payment via a debit or credit card? You can do that with our EZ Loan Payment!  

No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com. 

Because the federal government requires that each of the three national credit-reporting agencies--Experian, Equifax, and TransUnion--gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You'll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.  AnnualCreditReport.com is the best place to view your credit report. Click here to go to annualcreditreport.com

The federal government requires that each of the three national credit--reporting agencies-Experian, Equifax, and TransUnion--gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com. According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer "free" credit reports but often charge you for another product if you accept the report.

To request your credit report by phone, call (877) 322-8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.

A home equity loan allows you to borrow money using the equity in your home as collateral.  The loan is secured by your home.  GRCCU offers two types of home equity loans.  A Fixed Rate Home Equity Loan is a lump sum loan where you apply for a one-time lump sum and pay it back with a fixed rate and fixed monthly payment over a set term.  A Home Equity Line of Credit (HELOC) is a revolving line of credit, similar to a credit card, that uses your home as collateral.  You can borrow up to a certain amount, pay interest only on the borrowed amount, and as you repay the principal paid is available to you to use again as needed.  HELOC's typically have a variable interest rate that adjusts with the Prime Rate. Learn more about GRCCU's Home Equity Loans here.

Are you are looking to purchase a new home or to refinance your current home? GRCCU offers many mortgage loan options.  Begin here or give JoAnn a call at 616-481-2654 to see which option is best for you.

A signature loan is a loan without material collateral such as a car or home. The maximum amount you can borrow is $10,000.00. You can use this loan for just about any purpose. Click here to apply online for a signature loan. 

No, GR Consumers Credit Union does not offer business loans.