Gratiot Community Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 136^th largest credit union in the state of Michigan. It is also the 2,340^th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 21 employees and 6,648 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

Data as of Q1 2025

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 Chartered	1955
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.13%
Return on Equity - YTD	-1.66%
Annual Interest Income	$736K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$56.2MM$56.5MM
Loans	Q1 2025vs Q1 2024	$37.4MM$42.2MM
Deposits	Q1 2025vs Q1 2024	$51.1MM$51.6MM
Equity Capital	Q1 2025vs Q1 2024	$4.4MM$4.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$551K$246K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$51K$114K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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Savings
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.80%	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$10k^*	-	Investment Checking
OTHER TIERS: 0.25% → $2.5k - $10k

Gratiot Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	211 W Center St	Alma, MI 48801-2206
Branch Office	855 E Center St	Ithaca, MI 48847-1613
Branch Office	119 W Center St	Alma, MI 48801
Corporate Office	135 W Center St	Alma, MI 48801

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