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iAdvertiser Disclosure
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 Gratiot Community Credit Union Rates & Review March 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: March 26, 2026
Gratiot Community Credit Union's Timed CD 60 month rates are at 3.61%, Timed CD 48 month rates are at 3.56%, Timed CD 36 month rates are at 3.51%, Timed CD 24 month rates are at 3.45%, Timed CD 12 month rates are at 3.40%. Gratiot Community Credit Union's savings rates are at 1.01%. MonitorBankRates evaluates the financial stability of Gratiot Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.86%. Rates were last updated on 03/26/2026. Gratiot Community 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 Gratiot Community Credit Union? Share your experience about Gratiot Community Credit Union by leaving a review below, or read customer reviews before you decide to use Gratiot Community Credit Union. Gratiot Community Credit Union
Gratiot Community CU 211 W Center St
https://www.gratiotcu.org Alma, MI 48801 2206 
Gratiot Community Credit Union CD Rates
Gratiot Community Credit Union Savings Rates
Gratiot Community Credit Union Checking Rates
Gratiot Community Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Gratiot Community 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 Gratiot Community 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 Gratiot Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gratiot Community Credit Union
Website
https://www.gratiotcu.org
Address
211 W Center St,
Alma, MI 48801 2206
Phone
989-463-8321
Fax
989-463-8324
President
Sharol Pominville
CEO
Katina Struble
Full-Time Employees
20
Part-Time Employees
4
Branch Locations
3
ATM Locations
2
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
0.86%
Return on Assets (ROA)
0.6911%
Return on Equity (ROE)
7.8864%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
56,200,720
Total Amount of Shares and Deposits
50,265,675
Total Shares and Deposits < 1 Year
49,158,779
Total Shares and Deposits 1 3 Years
945,946
Total Shares and Deposits > 3 Years
160,950
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,581,901
Total Uninsured Shares and Deposits > $250K (F+J)
1,581,901
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,683,774
Total Interest Expense (Sum of items 6 8)
420,336
Share Certificates
311
Number of Accounts for Share Drafts
3,961
IRA KEOGH Accounts
63
Number of Accounts for Regular Shares
8,170
All other shares
119
Money Market Shares
451
Net Income (unless the amount is already included in Undivided Earnings)
388,394
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,962,548
Total Liabilities
51,335,094
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Gratiot Community Credit UnionIs Gratiot Community Credit Union a safe place to deposit money?Yes, Gratiot Community Credit Union is considered a safe financial institution. With a Texas Ratio of 0.85754338885683%, 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 Gratiot Community Credit Union operate?Gratiot Community 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 Gratiot Community Credit Union?Yes, to access services at Gratiot Community 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, Gratiot Community 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, Gratiot Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gratiot Community Credit Union offer online and mobile banking?Most modern institutions like Gratiot Community 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.gratiotcu.org. Current Gratiot Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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