Featured Savings Rates
Featured Accounts

Gratiot Community Credit Union

Popular Accounts at this Credit Union

1.76%5-year CD60 Month Share Certificate
0.50%1-year CD12 Month Share Certificate
0.10%SavingsRegular Share Account

Overview / Commentary
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 2,674th largest credit union in the nation. It was established in 1955 and as of December of 2017, it had grown to 13 employees and 6,103 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.
See current membership details


No reviews have been left for this bank yet. Be the first to review.

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

NCUA #61986
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD8.41%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$35.7MM$32.5MM
LoansQ4 2017vs Q4 2016$18.7MM$18.3MM
DepositsQ4 2017vs Q4 2016$32.1MM$29.5MM
Equity CapitalQ4 2017vs Q4 2016$3.1MM$2.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$111.00K$75.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$114.00K$55.00K
Real Estate OwnedQ4 2017vs Q4 2016$12.00K$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Gratiot Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

0.20%*$25k*-Investment Checking
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k

Gratiot Community Credit Union CD Rates

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

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

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