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View the Electronic Funds Transfer Agreement, effective January 2018.

Holiday Giving

We would love your support as we help our community during the holiday season.  Please view the list below and stop in to grab a tag from our trees or drop off your donation during business hours.  Thank you for your support!

Grand Rapids: Angel Tree: grab a tag from our tree or bring in a gift card for Angel Teen gifts.  Gifts must be new, unwrapped, and have the Angel Tree tag taped to the packaging.  Gift cards must be $10, $20, or increments of $20 to major retail stores with the dollar amount noted on the card.  Our Grand Rapids office will accept donations until December 15.

Big Rapids and Reed City: Stop by our Big Rapids or Reed City office to pick up a gift tag.  Please return your donation to our office with the tag taped to the packaging.  Our Big Rapids and Reed City offices will accept donations until December 5.

Cadillac: We’re collecting non-perishable food items and gifts as a part of Project Christmas.  Visit our location to pick up a gift tag.  Please return gifts unwrapped with the tag taped to package.  Our Cadillac office will accept donations until December 6.

Manistee: We’re collecting new toys for Toys for Tots.  Please drop off new, unwrapped toys during our business hours.  Our Manistee office will accept donations until December 15.



December Skip-a-Pay

Free up some cash by skipping your December payment.  Download the skip-a-pay form to apply.

December 2017 Skip-a-Pay Form


Holiday Loan: 4.9% APR* for 11 months

Is your “Nice” List longer than your savings account is prepared for this year? Apply for our Holiday Loan!

*APR= Annual Percentage Rate. Payment per $1,000 borrowed at 4.9% APR is $93.15 per 11 month term. Offer available November 1- December 31, 2017. Credit is subject to approval. Must qualify for membership. Restrictions apply.

Holiday Loan Application


$500 off Closing Costs

Offer valid on purchase and refinance mortgages.  Membership requirements apply.  Credit is subject to approval.  One coupon per loan and offer cannot be combined with Member Rewards points.  The closing cost credit is not applicable to home equity loans or lines of credit.  Limited time offer.

Hearts Building Homes:
Often, we forget how powerful our actions can be. As a financial cooperative, it is our responsibility to build up our communities together. For 2017, we have adopted a Habitat for Humanity® partnership. For every Mortgage or Home Equity Loan closed by West Michigan Credit Union, we will donate $100 to local affiliates of Habitat for Humanity®. We will be working on various projects throughout the year. If you are interested in volunteering, let us know. Don’t forget if you need a home mortgage, want to refinance a mortgage, or need a home equity loan, we are here to help. View our rates on our mortgage site.


Download West Michigan Credit Union Newsletters below:

WMCU 2017 Calendar


2017 Calendar

2018 Calendar

Partnering With PAWS®

From July until the end of the year, we will be raising money for Paws With A Cause® at our offices.  The mission of PAWS® is to enhance the independence and quality of life for people with disabilities nationally through custom-trained Assistance Dogs.  Every week, our staff donates $2 to wear jeans on Fridays, but we would love your help to support a great cause.  Stay tuned later this year to see how you can help by donating items on their wish list!  Have you been personally affected by the efforts of Paws With A Cause®?  We would love to hear from you.  Email


To see what we’ve done for our communities this past year, click here.