Overview / Commentary
989-463-8321
211 W Center St
Alma, MI 48801-2206

Gratiot Community Credit Union is headquartered in Alma and is the 160th largest credit union in the state of Michigan. It is also the 2,689th largest credit union in the nation. It was established in 1955 and as of December of 2018, it had grown to 14 employees and 6,198 members at 3 locations. Gratiot Community Credit Union's CD rates are 96% higher than the national average, and it 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
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 Chartered1955
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD9.64%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$35.0MM$35.7MM
LoansQ4 2018vs Q4 2017$18.9MM$18.7MM
DepositsQ4 2018vs Q4 2017$31.2MM$32.1MM
Equity CapitalQ4 2018vs Q4 2017$3.3MM$3.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$107.00K$111.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$47.00K$114.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$12.00K
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$75k*-Investment Savings
OTHER TIERS: 0.25% $2k - $20k | 0.40% $20k - $75k
0.50%--IRA Savings
0.15%$5-Christmas Club
0.10%$5-Regular Share Account
0.10%$5-Vacation Club

Gratiot Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Investment Checking
OTHER TIERS: 0.10% $2.5k - $10k

Gratiot Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$5k-60 Month Share Certificate
2.53%$5k-48 Month Share Certificate
2.27%$5k-36 Month Share Certificate
2.02%$2.5k-24 Month Share Certificate
1.76%$1k-12 Month Share Certificate

Gratiot Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$5k-60 Month IRA Certificate
2.53%$5k-48 Month IRA Certificate
2.27%$5k-36 Month IRA Certificate
2.02%$2.5k-24 Month IRA Certificate
1.76%$1k-12 Month IRA Certificate
Locations


Gratiot Community Credit Union Locations
Branch Office211 W Center StAlma, MI 48801-2206
Branch Office855 E Center StIthaca, MI 48847-1613
Branch Office119 W Center StAlma, MI 48801

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