Gratiot Community Credit Union

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

Gratiot Community Credit Union is headquartered in Alma and is the 156th largest credit union in the state of Michigan. It is also the 2,649th largest credit union in the nation. It was established in 1955 and as of September of 2019, it had grown to 14 employees and 6,120 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.
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 - YTD0.63%
Return on Equity - YTD6.32%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$36.4MM$34.5MM
LoansQ3 2019vs Q3 2018$17.9MM$18.8MM
DepositsQ3 2019vs Q3 2018$32.1MM$30.7MM
Equity CapitalQ3 2019vs Q3 2018$3.7MM$3.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$103.00K$137.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$53.00K$122.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$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

0.55%*$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

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

Gratiot Community Credit Union CD Rates

2.43%$5k-60 Month Share Certificate
2.22%$5k-48 Month Share Certificate
2.12%$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

2.43%$5k-60 Month IRA Certificate
2.22%$5k-48 Month IRA Certificate
2.12%$5k-36 Month IRA Certificate
2.02%$2.5k-24 Month IRA Certificate
1.76%$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
Branch Office119 W Center StAlma, MI 48801

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.