Gratiot Community Credit Union

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A short history of Gratiot Community CU

Since its inception in 1955 the Gratiot Community Credit Union has been serving its members in the ALMA, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Brenda Miller, the Gratiot Community CU has grown its membership to over 6,079 with assets of more than $35,106,505. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (989) 463-8321 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ALMA, MI.

General Information For Gratiot Community CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61986
Address 211 W CENTER ST 
City ALMA 
State Michigan 
Zip-Code 48801
Phone Number (989) 463-8321
Fax Number (989) 463-8324
Email Address:
CEO/President Brenda Miller
Members 6,079 
Full-Time Employees 13 
Part-Time Employees
Number of Branch Offices
Total Assets 35,106,505 

Compare Gratiot Community Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Graco CU GraCo FCU 305 W Downie St 48801 (989) 463-1247 No 0.45
Isabella Community CU Isabella Community Credit Union 2400 S Isabella RD 48804 (989) 773-5927 No 16.28
Montcalm Public Employees CU Montcalm Public Employees Credit Union 1157 E Main St 48829 (989) 427-5663 No 18.82
Journey CU Ovid Branch 1090 Baese Ct 48866 (989) 834-9800 No 25.73
Dow Chemical Employees' CU Dow Chemical Employees' Credit Union 600 E Lyon Rd 48641 (989) 835-7794 No 27.12

Gratiot Community Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Gratiot Community Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.73 5.15 5.17 4.39 4.72
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 225 413 346 193 197
Rank Among All Michigan Credit Unions 32 110 86 53 37

Gratiot Community Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.20 1.01 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 114 170 271
Rank Among All Michigan Credit Unions N/A 16 25 34 59
Gratiot Community Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.730891930,567
All Other Unsecured Loans/Lines of Credit 10.3807411,094,757
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.150871,555,657
Used Vehicle Loans 5.1709978,139,490
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.3901344,953,492
Total Other Real Estate Loans/Lines of Credit 4.72016284,174
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.1402001,588,076
TOTAL LOANS & LEASES 3,06618,546,213

Gratiot Community Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 1314,841,6547338,100
    a. > 15 years 156,36100
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 255,47700


Closed-End Fixed Rate 12201,42200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 482,75235,603
Open-End Fixed Rate 0000
TOTALS 1505,237,66610343,703


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Gratiot Community Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes