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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 GraCo Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
You can compare GraCo Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.36%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.25%. Savings rates are at 0.40% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 7.13%. All these rates can be compared to GraCo Federal Credit Union rates. MonitorBankRates evaluates the financial stability of GraCo Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates were last updated on 04/23/2026. GraCo Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at GraCo Federal Credit Union? Share your experience about GraCo Federal Credit Union by leaving a review below, or read customer reviews before you decide to use GraCo Federal Credit Union. 
GraCo Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for GraCo Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather GraCo Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with GraCo Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
GraCo Federal Credit Union
Website
https://www.gracofcu.org/
Address
835 W Warwick Dr,
Alma, MI 48801 1147
Phone
989-463-1247
Fax
989-285-1583
President
Christine Lambert
CEO
Stacy Grube
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.77%
Return on Assets (ROA)
0.8025%
Return on Equity (ROE)
7.7935%
Non-Performing Loans Ratio (NPL)
0.16%
Total Assets
33,350,438
Total Amount of Shares and Deposits
29,661,060
Total Shares and Deposits < 1 Year
29,144,034
Total Shares and Deposits 1 3 Years
517,026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
705,141
Total Uninsured Shares and Deposits > $250K (F+J)
705,141
Total Insured Shares and Deposits > $250K (item 17 less item K)
28,955,919
Total Interest Expense (Sum of items 6 8)
185,111
Share Certificates
103
Number of Accounts for Share Drafts
2,210
IRA KEOGH Accounts
18
Number of Accounts for Regular Shares
4,286
Money Market Shares
105
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,475,597
Total Liabilities
29,916,184
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About GraCo Federal Credit UnionIs GraCo Federal Credit Union a safe place to deposit money?Yes, GraCo Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.77088066287467%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does GraCo Federal Credit Union operate?GraCo Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join GraCo Federal Credit Union?Yes, to access services at GraCo Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, GraCo Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, GraCo Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does GraCo Federal Credit Union offer online and mobile banking?Most modern institutions like GraCo Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gracofcu.org/. Compare to Other Credit Unions
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