Credit union · NCUA insured
Gratiot Community Credit Union CD Rates
Top CarrotGratiot Community Credit Union’s best CD rate is 4.33% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Gratiot Community Credit Union’s CD rates compare
Compared with banks and credit unions near Alma, MI, where Gratiot Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gratiot Community Credit Union
4.33%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,361
Timed Certificates
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
3rd-highest rate
Michigan One Community Credit Union
4.05%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,196
Gratiot Community Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.13%
- 16–30 months16–30 mo4.18%
- 31–60 months31–60 mo4.33%
- QualifiedQualified4.33%
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 Gratiot Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Timed Certificates
Up to 4.33%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.07% | $201 |
| 12 months | 4.13% | $413 |
| 24 months | 4.18% | $853 |
| 36 months | 4.23% | $1,323 |
| 48 months | 4.28% | $1,825 |
| 60 months | 4.33% | $2,361 |
Sources (1)
- gratiotcu.org/rates/other-rates · captured Oct 16, 2026
Who can join Gratiot Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.