Granco Federal Credit Union

Overview / Commentary
217 Alder St SW
Ephrata, WA 98823

Granco Federal Credit Union is headquartered in Ephrata and is the 47th largest credit union in the state of Washington. It is also the 1,900th largest credit union in the nation. It was established in 1956 and as of March of 2024, it had grown to 20 employees and 4,987 members at 2 locations. Granco Federal Credit Union's CD rates are 4X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Granco Federal Credit Union is open employees of the the Public Utility District of Grant, Kittitas, Okanogan and Douglas Counties in Washington and other organizations and municipalities.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Granco Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #10904
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.99%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$93.4MM$98MM
LoansQ1 2024vs Q1 2023$54.7MM$53.5MM
DepositsQ1 2024vs Q1 2023$84.5MM$90MM
Equity CapitalQ1 2024vs Q1 2023$8.7MM$7.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$389K$298K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$994K$375K
Real Estate OwnedQ1 2024vs Q1 2023$0$20K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Granco Federal Credit Union Savings Account Rates

2.00%*$0$5kRegular Share Account
OTHER TIERS: 0.01% $5k+
1.50%*$0$5kChristmas Club
OTHER TIERS: 0.50% $10k+ | 1.00% $5k - $10k

Granco Federal Credit Union CD Rates

4.00%$2.5k-6 Month CD Special
3.50%$2.5k-12 Month CD Special
3.00%$1.5k-24 Month CD Special
2.50%$1k-36 Month CD Special

Granco Federal Credit Union Locations
Branch Office217 Alder St SWEphrata, WA 98823
Branch Office401 E 5th AveMoses Lake, WA 98837

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