Credit union · NCUA insured
Gratiot Community Credit Union Credit Card Rates
Top CarrotGratiot Community Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Gratiot Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Alma, MI, where Gratiot Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Gratiot Community Credit Union
9.90%APR
Visa Credit Card
2nd-lowest rate
Michigan One Community Credit Union
12.90%APR
Gratiot Community Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gratiot Community Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Credit Card
Rates and credit limits ($200 - $25,000) based on credit score/creditworthiness. No annual fee. Pledged shares/security interest in all other credit union shares required as a condition of the account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Monthly periodic rate of 0.0825%. Risk-based pricing based on credit score. |
| Ongoing | 11.90% | None | Monthly periodic rate of 0.992%. Risk-based pricing based on credit score. |
| Ongoing | 14.90% | None | Monthly periodic rate of 1.242%. Risk-based pricing based on credit score. |
Sources (3)
All captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.