Gratiot Community Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.76%	5-year CD	60 Month Share Certificate 2.35% - Synchrony Bank 60 Month CD
0.50%	1-year CD	12 Month Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.10%	Savings	Regular Share Account 1.20% - Goldman Sachs Bank USA Online Savings

View all Gratiot Community Credit Union rates »

Overview / Commentary

www.gratiotcu.org

989-463-8321

211 W Center St
Alma, MI 48801-2206

Gratiot Community Credit Union is headquartered in Alma and is the 168^th largest credit union in the state of Michigan. It is also the 2,772^nd largest credit union in the nation. It was established in 1955 and as of March of 2017, it had grown to 13 employees and 6,015 members at 2 locations. Gratiot Community Credit Union has a B health rating.

Field of Membership Restrictions

Gratiot Community Credit Union of Michigan is open to the residents, church members, and the people that maintain employment within these qualified counties: Gratiot, Mecosta, Isabella, Midland, Montcalm, Saginaw, Ionia, Clinton, and Shiawassee, and the family members of the current credit union members.
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Health

B

Data as of Q1 2017

Learn why bank health matters

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. Gratiot Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	61986
Year Chartered	1955
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	3.33%
Annual Interest Income	$281.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$34.2MM$31.1MM
Loans	Q1 2017vs Q1 2016	$17.9MM$16.8MM
Deposits	Q1 2017vs Q1 2016	$31.1MM$28.2MM
Equity Capital	Q1 2017vs Q1 2016	$2.9MM$2.7MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$102.00K$60.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$70.00K$13.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gratiot Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$25k^*	-	Investment Savings
OTHER TIERS: 0.10% → $500 - $2,500 \| 0.15% → $2,500 - $10k \| 0.20% → $10k - $25k
0.20%	-	-	IRA Savings
0.15%	-	-	Christmas Club
0.10%	-	-	Regular Share Account
0.10%	-	-	Vacation Club

Gratiot Community Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Investment Checking
OTHER TIERS: 0.10% → $2,500 - $10k \| 0.15% → $10k - $25k

Gratiot Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$5k	-	60 Month Share Certificate
1.26%	$5k	-	48 Month Share Certificate
1.00%	$5k	-	36 Month Share Certificate
0.75%	$2,500	-	24 Month Share Certificate
0.50%	$1k	-	12 Month Share Certificate

Gratiot Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$5k	-	60 Month IRA Certificate
1.26%	$5k	-	48 Month IRA Certificate
1.00%	$5k	-	36 Month IRA Certificate
0.75%	$2,500	-	24 Month IRA Certificate
0.50%	$1k	-	12 Month IRA Certificate

Locations

Gratiot Community Credit Union Locations
Branch Office	211 W Center St	Alma, MI 48801-2206
Branch Office	855 E Center St	Ithaca, MI 48847-1613