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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 158th largest credit union in the state of Michigan. It is also the 2,639th largest credit union in the nation. It was established in 1955 and as of March of 2019, it had grown to 14 employees and 6,225 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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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 - YTD0.48%
Return on Equity - YTD5.06%
Annual Interest Income$346.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$37.3MM$35.9MM
LoansQ1 2019vs Q1 2018$18.4MM$18.6MM
DepositsQ1 2019vs Q1 2018$33.3MM$32.3MM
Equity CapitalQ1 2019vs Q1 2018$3.4MM$3.1MM
Loan Loss AllowanceQ1 2019vs Q1 2018$96.00K$90.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$4.00K$63.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

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

2.79%$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

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

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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