Credit union · NCUA insured
Gratiot Community Credit Union
Top CarrotA $60.5M credit union headquartered in Alma, MI, with 6,681 members and 3 branches in Michigan. Best rates: CDs 4.33% and savings 1.61% APY.
Gratiot Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#1 of 5 in Alma, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gratiot Community Credit Union
- Headquarters
- 211 W Center St, Alma, MI 48801-2206
- NCUA charter
- 61986
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Gratiot, Mecosta, Isabella, Midland, Montcalm, Saginaw, Ionia, Clinton, or Shiawassee county are eligible to become a member.
Family and household
- Immediate family members of an existing member are eligible to join Gratiot Community Credit Union.
Cost to join
- Joining requires opening a regular share account with a minimum $5.00 deposit that must remain in the account to represent a share of the Credit Union.
Branches
3 branches in Michigan
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Michigan
3 branches
- Gratiot Community CUMain office211 W Center St, Alma, MI 48801Directions
- Operation Building135 W Center St, Alma, MI 48801Directions
- Gratiot Community CU855 E Center St, Ithaca, MI 48847Directions
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 | 9.13% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.29% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio9.13%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.29%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ 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 Gratiot Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.