211 W Center St
Alma, MI 48801


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 61986
Date Established 1955
Assets $37.57 million
Loans $18.40 million
Deposits $33.28 million
Capital $3.58 million

Gratiot Community is an NCUA insured institution located in Alma, MI. It was founded in 1955 and has approximately $37.57 millions in assets.

Field of Membership Restrictions

Gratiot Community Credit Union of Michigan is open to the residents, church members, and the people that maintain employment within these qualified counties: Gratiot, Mecosta, Isabella, Midland, Montcalm, Saginaw, Ionia, Clinton, and Shiawassee, and the family members of the current credit union members.

Deposit Rates - October 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
1.76% $1,000 - Learn MoreShow Less
24 Mo CD
2.02% $2,500 - Learn MoreShow Less
36 Mo CD
2.12% $5,000 - Learn MoreShow Less
48 Mo CD
2.22% $5,000 - Learn MoreShow Less
60 Mo CD
2.43% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $9,999 Learn MoreShow Less

Loan Rates - October 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GRATIOT COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
3.660% 3.625% 0.38 $1,090 $1,141 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.662% 3.625% 0.50 $1,150 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,130 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Gratiot Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Gratiot Community Locations

Financial Details

Gratiot Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gratiot Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Gratiot Community U.S. Average
2.08% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Gratiot Community had $64,620 in non-current loans and $12,000 in owned assets. To cover these potential losses it had $3,576,368 in net worth and $100,045 in loans loss reserves. That gives it a Texas Ratio of 2.08%.

Net Worth
Gratiot Community U.S. Average
9.51% 13.65%

Gratiot Community FCU has a net worth of 9.51% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Gratiot Community

Branches and Savings

What is Gratiot Community?

A federal credit union, registered with the NCUA under certificate #61986.
Learn more about credit unions here.

Is Gratiot Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Gratiot Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Gratiot Community's share account and share certificate rates?

Gratiot Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Gratiot Community?

Gratiot Community has total capital of $3.58 million. Full information on Gratiot Community's financial position is located above.

Who owns Gratiot Community?

Credit Unions are owned by their members.

Where are Gratiot Community branches located?

See branch locations nearby.

Are Gratiot Community ATMs Open 24/7?

Do Gratiot Community ATMs accept cash deposits?

Can Gratiot Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Gratiot Community have a mobile app?

Does Gratiot Community have mobile deposit?

Does Gratiot Community have quick pay?

How can Gratiot Community transfer money to other banks or credit unions?

Does Gratiot Community report to credit bureaus?

Does Gratiot Community use Chexsystems?

Does Gratiot Community use Equifax?

What is Gratiot Community's toll free phone number?

What is Gratiot Community's ACH Routing Number?

What is Gratiot Community's SWIFT code?

Where can I find Gratiot Community's wire transfer form?

What is the Gratiot Community address for deposits?

What Products Does Gratiot Community Offer

Does Gratiot Community offer mortgages?

Compare mortgage rates here.

Does Gratiot Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gratiot Community offer auto and RV loans?

Compare auto loan rates here.

Does Gratiot Community offer student loans or personal loans?

Compare personal loan rates here.

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