Credit union · NCUA insured
GRANCO Federal Credit Union
A $98.3M credit union headquartered in Ephrata, WA, with 5,053 members and 2 branches in Washington. Best rates: CDs 3.30% and savings 0.01% APY.
GRANCO Federal Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#3 of 12 in Moses Lake, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About GRANCO Federal Credit Union
Organized in April 1956 by employees of Grant County Public Utility District, GRANCO Federal Credit Union is a not-for-profit financial cooperative owned by its members.
The credit union operates branches in Ephrata and Moses Lake, Washington, serving members across the surrounding area.
- Headquarters
- 217 Alder St SW, Ephrata, WA 98823
- NCUA charter
- 10904
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of eligible Port Districts, Hospitals, Irrigation Districts, Consolidated Disposal Service Inc., or Family Services of Grant County are eligible to join.
Military, government and schools
- Employees of specified School Districts (Ephrata, Moses Lake, Othello, Quincy, Soap Lake, Wilson Creek) or Big Bend Community College are eligible to join.
- Firefighters associated with Grant County Fire Districts (#3, #5, #7, #10, #11, #13), Ephrata Volunteer Firefighters, or firefighters employed by eligible cities are eligible to join.
- Employees of specified Public Utility Districts (Grant County, Kittitas County, Okanogan County, Douglas County), specified Cities (Ephrata, George, Moses Lake, Othello, Quincy, Soap Lake), Grant Transit Authority, or Municipal Corporation of Grant County are eligible to join.
Family and household
- Family members of employees at any of the listed eligible organizations are eligible to join.
Branches
2 branches in Washington
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Washington
2 branches
- Main OfficeMain office217 Alder St SW, Ephrata, WA 98823Directions
- Moses Lake Branch401 E 5th Ave, Moses Lake, WA 98837Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.28% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio11.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.28%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$61Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of GRANCO Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.