Great Lakes
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1963
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Bay City, MI may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1963
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Bay City and serves members in the MI area. Currently serving 4,479 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.10%Used Auto Loan
6.50%Personal Loan
15.41%Credit Card APR
12.60%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in MI
Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).
Wyandotte, MI
Onaway, MI
Detroit, MI
Niles, MI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(4 total)
Member Reviews
3.4
36 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Adam Millard
9 months ago
What kind of bank closes on a Wednesday until noon? Then when I do go in at noon they dont even have a finance officer available?!? Sitting here waiting over an hour... I've already taken too much time off work and they want me to call to make an appointment????? No, absolutely ridiculous.
Shauna Sweet
a year ago
Been with you guys along time and each time I come to the bank the wait is longer and longer can’t sit 20 mins in the drive thru with no inside. Go inside and I wait another 10 what is the problem here ??? Get it together and you stupid atm fees. No tap to pay it’s 2024 You offer nothing. Other credit unions offer/banks I will be switching
Madison King
2 years ago
Having an account here is great, but I am soooo frustrated that their debit cards don’t have tap to pay and they aren’t compatible with Apple Pay. This is 2023, and not being able to access my card electronically, is making me consider switching to a different CU. Their service is kind and helpful, but I’m not sure that makes up for the technology gap.
Melon Maid Ent
a year ago
Lady who works here actually told me to cancel my car insurance policy to attempt to get a refund from them so I could then for a mistake they made on their end???? I will definitely NOT be banking here and highly recommend nobody else does either
C.J. Edgin
4 years ago
Since posting the last review, a lot has changed. The service at Great Lakes Federal Credit Union has always been superb. GLFCU has extended the services they offer. I would like to thank GLFCU for helping us rebuild our credit. Great Lakes Federal Credit Union offers many competitive (low rates) financial Services for their members. I realized after writing the last review-the services GLFCU offers is an excellent fit for our family. Since using these services and taking advantage of the many benefits GLFCU offers will help many folks struggling. I would recommend Great Lakes Federal Credit Union for anyone in our area (eligible) to join. Talk to the folks there for you financial needs-you will be pleasantly surprised at how much you can save! A+
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(989) 893-2831Website
Visit WebsiteMembers
4,479
Total Assets
$59.8M
Year Opened
1963
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile