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: 2.27%

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GraCo Federal Credit Union

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GraCo Federal Credit Union Rates & Review September 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: September 21, 2026

GraCo Federal Credit Union's 48 month CD Accounts rates are at 3.91%, 48 month CD Accounts and Over rates are at 3.91%, 36 month CD Accounts rates are at 3.80%, 36 month CD Accounts and Over rates are at 3.80%, 24 month CD Accounts rates are at 3.70%. GraCo Federal Credit Union's money market rates are at 2.27%. GraCo Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.00%. 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 2.88%. Rates last updated and verified on 09/21/2026.

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 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

2.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

GraCo Federal Credit Union
GraCo FCU

835 W Warwick Dr
Alma, MI 48801-1147

https://www.gracofcu.org/

GraCo Federal Credit Union CD Rates

Product	Rate	APY	Term
48 month Term Share Accounts	3.85%	3.91%	48 Months
Min Balance $1,000 Details Under $10,000.00; Balance: $1,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
48 month Term Share Accounts and Over	3.85%	3.91%	48 Months
Min Balance $10,000 Details $10,000.00; Balance: $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
36 month Term Share Accounts	3.75%	3.80%	36 Months
Min Balance $1,000 Details Under $10,000.00; Balance: $1,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
36 month Term Share Accounts and Over	3.75%	3.80%	36 Months
Min Balance $10,000 Details $10,000.00; Balance: $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
24 month Term Share Accounts	3.65%	3.70%	24 Months
Min Balance $1,000 Details Under $10,000.00; Balance: $1,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
24 month Term Share Accounts and Over	3.65%	3.70%	24 Months
Min Balance $10,000 Details $10,000.00; Balance: $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
12 month Term Share Accounts	3.55%	3.60%	12 Months
Min Balance $1,000 Details Under $10,000.00; Balance: $1,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
12 month Term Share Accounts and Over	3.55%	3.60%	12 Months
Min Balance $10,000 Details $10,000.00; Balance: $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
6 month Term Share Accounts	3.50%	3.55%	6 Months
Min Balance $500 Details Under $10,000.00; Balance: $500.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
6 month Term Share Accounts and Over	3.50%	3.55%	6 Months
Min Balance $10,000 Details $10,000.00; Balance: $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market Share Accounts	2.45%	2.47%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market Share Draft Accounts	2.25%	2.27%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market Share Draft Accounts	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000.00 and Over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

GraCo Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.00%	Up to 84 Months
Details $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. GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Equity Loans	-	-	6.50%	85-120 Months
Details GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Equity Loans	-	-	7.00%	121-180 Months
Details GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

GraCo Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Motorcycle Loans	-	-	6.00%	73-84 Months
Details $25,000 minimum loan amount. Model Year: 2021 and Newer Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Auto/Motorcycle Loans	-	-	6.50%	61-72 Months
Details $15,000 minimum loan amount. Model Year: 2016-2020 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Auto/Motorcycle Loans	-	-	10.00%	61-72 Months
Details $25,000 minimum loan amount. 20% down required. Model Year: 2015 and Older Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

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 stayed near 2.87% in Q2 2023 to 2.88% in Q1 2026, so its financial health has stayed 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
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+
June 30, 2023	$30M	2.87%	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 Christine Lambert

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

2.88%

Return on Assets (ROA)

0.1106%

Return on Equity (ROE)

1.1611%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

37,580,757

Total Amount of Shares and Deposits

33,698,597

Total Shares and Deposits < 1 Year

33,238,841

Total Shares and Deposits 1 3 Years

459,755

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

3,169,631

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

3,169,631

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

30,528,966

Total Interest Expense (Sum of items 6 8)

62,500

Share Certificates

107

Number of Accounts for Share Drafts

2,197

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,250

Money Market Shares

114

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)

15,336,945

Total Liabilities

34,002,395

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

GraCo Federal Credit Union earned the Verified Healthy badge

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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/.