Credit union · NCUA insured
GraCo Federal Credit Union Savings Rates
GraCo Federal Credit Union’s best savings rate is 1.56% APY on $10,000, with its Money Market Share Accounts. Rates checked October 16, 2026.
How GraCo Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Alma, MI, where GraCo Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
GraCo Federal Credit Union
1.56%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $156
Money Market Share Accounts
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Gratiot Community Credit Union
1.61%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $161
GraCo Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0001.56%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.56%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where GraCo Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Share Accounts
1.56%APY
Dividends on Money Market Shares and Share Drafts are computed on the average daily balance in the account and are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Under $1,500.00; Rate (A.P.R.) 0.00% | 0.00% | — | Under $1,500.00; Rate (A.P.R.) 0.00% |
| $1,500 – $5,000Rate (A.P.R.) 1.15% | 1.16% | — | Rate (A.P.R.) 1.15% |
| $5,000 – $25,000Rate (A.P.R.) 1.55% | 1.56% | $156 | Rate (A.P.R.) 1.55% |
| $25,000 – $100,000Rate (A.P.R.) 2.45% | 2.47% | — | Rate (A.P.R.) 2.45% |
| $100,000 and upRate (A.P.R.) 3.00% | 3.03% | — | Rate (A.P.R.) 3.00% |
Sources (1)
- gracofcu.org/rates.php · captured Sep 18, 2026
Money Market Share Draft Accounts
0.35%APY
Dividends on Money Market Shares and Share Drafts are computed on the average daily balance in the account and are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Under $1,500.00; Rate (A.P.R.) 0.00% | 0.00% | — | Under $1,500.00; Rate (A.P.R.) 0.00% |
| $1,500 – $5,000Rate (A.P.R.) 0.25% | 0.25% | — | Rate (A.P.R.) 0.25% |
| $5,000 – $25,000Rate (A.P.R.) 0.35% | 0.35% | $35 | Rate (A.P.R.) 0.35% |
| $25,000 – $100,000Rate (A.P.R.) 2.25% | 2.27% | — | Rate (A.P.R.) 2.25% |
| $100,000 and upRate (A.P.R.) 2.25% | 2.27% | — | Rate (A.P.R.) 2.25% |
Sources (1)
- gracofcu.org/rates.php · captured Sep 18, 2026
Who can join GraCo Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Gratiot County, Michigan.
Membership information collected October 5, 2026.