--- title: "Graco Credit Union Rates - Michigan" description: "Current personal loan rates from Graco Credit Union in Michigan. Updated daily with source verification. See who can join Graco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/graco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Graco Credit Union Rates - Michigan ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 120-Month Personal Loan** personal_unsecured_120mo | — APR | 4.000% | 120 mo | Standard | Graco Credit Union personal loan rates as of November 13, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60 month term** other | — % | 1.000% | — | Standard | | **Up to 72 month term** other | — % | 1.500% | — | Standard | | **Up to 84 month term** other | — % | 2.000% | — | Standard | | **Up to 120 month term** other | — % | 3.000% | — | Standard | Graco Credit Union other rates as of November 13, 2026 Graco Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/graco) , verified from [Graco Credit Union's official website](https://www.gracofcu.org/) Loading branch locator… ## About Graco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.4K Assets $37.6M Founded 1962 Locations reported 1 NCUA charter 15304 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Gratiot Community** Gratiot Community CU · Alma · MI · 48801-2206 About 0.6 miles away](https://rateapi.dev/credit-unions/michigan/gratiot-community) [**Journey** Alma Branch · Alma · MI · 48801-1643 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/journey) [**Michigan One Community** Alma Office · Alma · MI · 48801 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/michigan-one-community) [**Members First** Members First Credit Union -Mt. Pleasant Bluegrass · Mt Pleasant · MI · 48858 About 14.2 miles away](https://rateapi.dev/credit-unions/michigan/members-first) [**Isabella Community** Gratiot Isabella Technical Education Center (at Mt Pleasant High School) · MT Pleasant · MI · 48858 About 15.4 miles away](https://rateapi.dev/credit-unions/michigan/isabella-community) [**Wildfire** Mt. Pleasant Business Services Office · Mount Pleasant · MI · 48858-5034 About 16.4 miles away](https://rateapi.dev/credit-unions/michigan/wildfire) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Graco Credit Union Membership eligibility from Graco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Graco Credit Union's website. Check the membership page below to confirm whether you qualify. - Location gratiot — MI Verified from [Graco Credit Union's membership page](https://www.gracofcu.org/aboutUs.php) . Final membership determination is always made by the credit union. ## Membership rules for Graco Credit Union Geography 1 county 4 published paths to membership, last verified August 27, 2026, quoted from Graco Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Gratiot County, MI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Gratiot County, MI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Graco Credit Union? Yes No ## Work at Graco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Graco Credit Union ranks against Michigan peers. - See which AI assistants fetched Graco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=graco&state=michigan&code=MI&name=Graco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Graco Credit Union offer? Graco Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Graco Credit Union rates updated? RateAPI verifies Graco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Graco Credit Union's rate data? Rate data is collected directly from Graco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Graco Credit Union? Graco Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 county for Graco Credit Union, each quoted from Graco Credit Union's own published membership criteria. ## Related Rate Data Compare Graco Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gracofcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Graco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Graco Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /graco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Graco Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/graco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp