What are the current interest rates at GraCo Federal Credit Union?

Current rates for GraCo Federal Credit Union include: 12-Month CD: 3.60%, 24-Month CD: 3.70%, MMA: 3.03%

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GraCo Federal Credit Union

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GraCo Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

GraCo Federal Credit Union's top rates as of October 9, 2026 are 3.91% APY on its 48 month CD Accounts, 3.03% APY on money market accounts, and rv, boat and powersport loans from 6.00% APR, according to rates verified by MonitorBankRates. Other GraCo Federal Credit Union CD rates include 48 month CD Accounts at 3.91%, 36 month CD Accounts at 3.80%, and 36 month CD Accounts at 3.80%. 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 2.32%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.32%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

GraCo Federal Credit Union
GraCo FCU

835 W Warwick Dr
Alma, MI 48801-1147

https://www.gracofcu.org/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

GraCo Federal Credit Union CD Rates

Product	Rate	APY	Term
48 month Term Share Accounts	3.85%	3.91%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Under $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.91% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
48 month Term Share Accounts	3.85%	3.91%	48 Months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.91% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
36 month Term Share Accounts	3.75%	3.80%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Under $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
36 month Term Share Accounts	3.75%	3.80%	36 Months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
24 month Term Share Accounts	3.65%	3.70%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Under $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
24 month Term Share Accounts	3.65%	3.70%	24 Months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
12 month Term Share Accounts	3.55%	3.60%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Under $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
12 month Term Share Accounts	3.55%	3.60%	12 Months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
6 month Term Share Accounts	3.50%	3.55%	6 Months
Min Deposit $500 Min Balance $500 Details Under $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
6 month Term Share Accounts	3.50%	3.55%	6 Months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

GraCo Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Accounts	3.00%	3.03%
Min Balance $100,000 Details Balance: $100,000.00 and Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market Share Accounts	2.45%	2.47%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market Share Draft Accounts	2.25%	2.27%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Money Market Share Draft Accounts	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000.00 and Over Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

GraCo Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.00%	Up to 84 Months
Details Closed-End H/E; $100,000.00 maximum - 1st Lien / $75,000 Max - 2nd Lien. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Home Equity Loan	-	-	6.50%	85-120 Months
Details Closed-End H/E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Home Equity Loan	-	-	7.00%	121-180 Months
Details Closed-End H/E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

GraCo Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Motorcycle Loan	-	-	6.00%	73-84 Months
Details 2021 and Newer; $25,000 minimum loan amount. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Auto/Motorcycle Loan	-	-	6.50%	61-72 Months
Details 2016-2020; $15,000 minimum loan amount Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%
Auto/Motorcycle Loan	-	-	10.00%	61-72 Months
Details 2015 and Older; $25,000 minimum loan amount. 20% down required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

GraCo Federal Credit Union’s Texas Ratio fell from 3.59% in Q3 2023 to 2.32% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$38M	2.32%	5.0	A+
March 31, 2026	$38M	2.88%	5.0	A+
December 31, 2025	$34M	3.54%	5.0	A+
September 30, 2025	$33M	0.74%	5.0	A+
June 30, 2025	$32M	2.11%	5.0	A+
March 31, 2025	$31M	2.64%	5.0	A+
December 31, 2024	$30M	2.75%	5.0	A+
September 30, 2024	$29M	4.13%	5.0	A+
June 30, 2024	$29M	3.74%	5.0	A+
March 31, 2024	$30M	3.18%	5.0	A+
December 31, 2023	$30M	2.65%	5.0	A+
September 30, 2023	$29M	3.59%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 ROBIN HART

CEO Stacy Grube

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.32%

Return on Assets (ROA)

0.5567%

Return on Equity (ROE)

5.7408%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

38,173,278

Total Amount of Shares and Deposits

33,969,434

Total Shares and Deposits < 1 Year

33,520,519

Total Shares and Deposits 1 3 Years

388,559

Total Shares and Deposits > 3 Years

60,356

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,127,283

Total Uninsured Shares and Deposits > $250K (F+J)

2,127,283

Total Insured Shares and Deposits > $250K (item 17 less item K)

31,842,151

Total Interest Expense (Sum of items 6 8)

148,832

Share Certificates

134

Number of Accounts for Share Drafts

2,212

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,284

Money Market Shares

124

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

15,965,060

Total Liabilities

34,471,487

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

GraCo Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About GraCo Federal Credit Union

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/.