Gratiot Community
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1955
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Alma, MI may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1955
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Alma and serves members in the MI area. Currently serving 6,662 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.75%Used Auto Loan
4.75%Personal Loan
8.65%Credit Card APR
9.90%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in MI
Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).
Wyandotte, MI
Onaway, MI
Detroit, MI
Niles, MI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(4 total)
Member Reviews
4.0
13 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Japhett Gallagher
a year ago
Been here for awhile, and I couldn't ask for a better credit union! Staff is always amazing. Had a few fraud attempts, and the handled it incredibly fast! Highly recommend to anyone looking for a great bank!
Kalyssa Jenerou
2 years ago
This credit union is amazing. I live out of town and it’s very convenient to use. Fast and friendly as well as courteous employees. I’ve dealt with them online , in person as well as over the phone. The apps they have in place make it real user friendly to use. I highly recommend you choose GCCU to do all your banking. William Jenerou.
Kayla Hanson
2 years ago
I love this credit union, everyone is so nice and so friendly every time I come here! Nikki is always the most friendly person she always goes above and beyond for me anytime I’m there. She explains everything to a tee, she helps me with anything I need and always has a smile on her face and continues to find a way to make me have a better day than I was when I arrived at the credit union. I will recommend me this credit union to all my friends and family!
Deborah Rutkowski
2 years ago
Big cheers to Ithaca’s team. Love them all we have had great service every time we go there to do our financial business. Gianna and Bambi are top notch!!!! What a joy. Thank you for your service and your friendship. Won’t go anywhere else ******
Becky Davis
a year ago
I have been banking through gratiot community credit union since 2008, I think that it's a very friendly bank to do banking , everyone there is always smiling and willing to help! I wouldn't go anywhere else !
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(989) 463-8321Website
Visit WebsiteMembers
6,662
Total Assets
$59.0M
Year Opened
1955
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile