Credit union · NCUA insured
Gratiot Community Credit Union Savings Rates
Top CarrotGratiot Community Credit Union’s best savings rate is 1.61% APY on $10,000, with its Investment Savings. Rates checked October 16, 2026.
How Gratiot Community Credit Union’s savings 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
1.61%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $161
Investment Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
GraCo Federal Credit Union
1.56%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $156
Gratiot Community Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.61%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.61%
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 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.
Investment Savings
1.61%APY
Pays monthly. Rates change the first of each month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 and up | 1.61% | $161 |
| $75,000 and up | 2.02% | — |
| $200,000 and up | 2.58% | — |
Sources (1)
- gratiotcu.org/rates/other-rates · captured Sep 18, 2026
Regular Shares
0.05%APY
Must work or live in Gratiot County and maintain a minimum balance of $5.00 (purchase of one share). If during any day within the dividend period account balance falls below $50.00, no dividends are earned for that day.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upIf balance falls below $50.00 on any day within the dividend period, no dividends are earned for that day.$50 and up | 0.05% | $5 | If balance falls below $50.00 on any day within the dividend period, no dividends are earned for that day. |
Sources (3)
- gratiotcu.org/wp-content/uploa…Share-TIS-Disclosure.pdf
- gratiotcu.org/rates/other-rates
- gratiotcu.org/services/share-savings
All captured Sep 18, 2026
Special-purpose accounts
Vacation Club
3.00%APY
Separate savings account from regular shares. Deposits may be made until May 31st. Dividends are paid June 1st of each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.00% | $300 |
Sources (2)
All captured Sep 18, 2026
Christmas Club
2.50%APY
Deposits can be made throughout the year for any amount at any time. Rolled over on November 1st of each year by a transfer to regular share account. Dividends are paid before transfer is made.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.50% | $250 |
Sources (2)
All captured Sep 18, 2026
IRA Account
1.01%APY
Ask for details on penalties for IRA accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.01% | $101 |
Sources (2)
All captured Sep 18, 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.