Gratiot Community Credit Union Rates and Review January 2026
Compare Gratiot Community Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Gratiot Community Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityGratiot 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 CD rates or 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. Overall, Gratiot Community Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Gratiot Community Credit Union Gratiot Community CU 211 W Center St Alma, MI 48801 2206  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonSelect Rewards Visa
15.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Visa Classic Card
12.900%
No annual fee
Visa Crimson Card
13.240%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonDebt Consolidation
13.990%
$0
1 - 72
Next Step Loan
10.500%
$0
Signature Loan
10.000%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Gratiot Community Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Gratiot Community Credit Union
Website: https://www.gratiotcu.org
Full Time Employees: 20Part Time Employees: 4 President: Sharol Pominville CEO: Katina Struble Branch Locations: 3 ATM Locations: 2 Corporate Office Address:
211 W Center St
Alma, MI 48801 2206 Phone Number: 989-463-8321 Fax Number: 989-463-8324 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Gratiot Community Credit UnionIs a member application needed to join Gratiot Community Credit Union?Yes, to access services at Gratiot Community Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Gratiot Community Credit Union provides a range of mortgage and home equity products. Is Gratiot Community Credit Union a safe place to deposit money?Yes, Gratiot Community Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Gratiot Community Credit Union offer online and mobile banking?Most modern institutions like Gratiot Community Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 0.25%, 6-month CD rates at 3.56% and 3-month CD rates at 3.55%. Savings rates are at 0.05% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.07%. Credit Card rates are at 18.00%. Personal Loan rates are at 14.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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