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Gratiot Community Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.gratiotcu.org
989-463-8321
211 W Center St
Alma, MI 48801

Gratiot Community Credit Union is headquartered in Alma and is the 137th largest credit union in the state of Michigan. It is also the 2,346th largest credit union in the nation. It was established in 1955 and as of December of 2024, it had grown to 21 employees and 6,666 members at 4 locations. Gratiot Community Credit Union's savings rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Gratiot Community Credit Union is open to those who live, work, or worship in the Michigan counties of Gratiot, Mecosta, Isabella, Midland, Montcalm, Saginaw, Ionia, Clinton, or Shiawassee. Immediate family members of the current members are also eligible to join.
See current membership details

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Health
B+

Data as of Q4 2024

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 relatively low asset base.

Health Grade Components

Overall
NCUA #61986
Year Chartered1955
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD9.42%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$55.6MM$54.9MM
LoansQ4 2024vs Q4 2023$38.9MM$43.8MM
DepositsQ4 2024vs Q4 2023$50.2MM$49.2MM
Equity CapitalQ4 2024vs Q4 2023$4.4MM$4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$464K$282K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$148K$200K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$5-Vacation Club
2.63%*$200k*-Investment Savings
OTHER TIERS: 1.61% → $2k - $75k | 2.02% → $75k - $200k
2.50%$5-Christmas Club
0.05%$5-Regular Share Account

Gratiot Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$10k*-Investment Checking
OTHER TIERS: 0.25% → $2.5k - $10k

Gratiot Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%$1k-6 Month Share Certificate
3.56%$1k-12 Month Share Certificate
3.35%$1k-60 Month Share Certificate
3.30%$1k-36 Month Share Certificate
3.30%$1k-48 Month Share Certificate
3.30%$1k-24 Month Share Certificate

Gratiot Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%$1k-6 Month IRA Certificate
3.56%$1k-12 Month IRA Certificate
3.35%$1k-60 Month IRA Certificate
3.30%$1k-24 Month IRA Certificate
3.30%$1k-36 Month IRA Certificate
3.30%$1k-48 Month IRA Certificate
1.01%$0-IRA Savings
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
Corporate Office135 W Center StAlma, MI 48801

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