Featured Savings Rates
Featured Accounts

Gratiot Community Credit Union

Popular Accounts at this Credit Union

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

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

Gratiot Community Credit Union is headquartered in Alma and is the 168th largest credit union in the state of Michigan. It is also the 2,839th largest credit union in the nation. It was established in 1955 and as of September of 2016, it had grown to 12 employees and 5,985 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

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Health
B+
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
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.17%
Annual Interest Income$789.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$31.9MM$28.5MM
LoansQ3 2016vs Q3 2015$17.9MM$16.2MM
DepositsQ3 2016vs Q3 2015$28.9MM$25.6MM
Equity CapitalQ3 2016vs Q3 2015$2.8MM$2.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$72.00K$63.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$46.00K$11.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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
0.25%*$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

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

Gratiot Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$5k-60 Month Share Certificate
1.26%$5k-48 Month Share Certificate
1.01%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$5k-60 Month IRA Certificate
1.26%$5k-48 Month IRA Certificate
1.01%$5k-36 Month IRA Certificate
0.75%$2,500-24 Month IRA Certificate
0.50%$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