--- title: "Gratiot Community Credit Union Rates - Michigan" description: "Current auto loan, heloc, and credit card rates from Gratiot Community Credit Union in Michigan. Updated daily with source verification. See who can join Gratiot Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/gratiot-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Gratiot Community Credit Union Rates - Michigan ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 6.150% | — | Standard | Gratiot Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 6.500% | — | Standard | Gratiot Community Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 9.900% | — | Standard | Gratiot Community Credit Union credit card rates as of November 12, 2026 Gratiot Community Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/gratiot-community) , verified from [Gratiot Community Credit Union's official website](https://www.gratiotcu.org/) Loading branch locator… ## About Gratiot Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.7K Assets $60.5M Founded 1955 Locations reported 4 NCUA charter 61986 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - First-time homebuyer program - Student scholarships 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. [**Journey** Alma Branch · Alma · MI · 48801-1643 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/journey) [**Graco** GraCo FCU · Alma · MI · 48801-1147 About 1.1 miles away](https://rateapi.dev/credit-unions/michigan/graco) [**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 Gratiot Community Credit Union Membership eligibility from Gratiot Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Gratiot Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location gratiot, mecosta, isabella, midland, montcalm, saginaw, ionia, clinton, shiawassee — MI Verified from [Gratiot Community Credit Union's membership page](https://www.gratiotcu.org/membership/eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Gratiot Community Credit Union Geography 9 counties · Family 28 published paths to membership, last verified November 8, 2026, quoted from Gratiot Community Credit Union’s own published criteria. ### Geography 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Clinton County, MI - Gratiot County, MI - Ionia County, MI - Isabella County, MI - Mecosta County, MI - Midland County, MI - Montcalm County, MI - Saginaw County, MI - Shiawassee County, MI “To become a member of Gratiot Community Credit Union, you must either live, work, or worship in Gratiot, Mecosta, Isabella, Midland, Montcalm, Saginaw, Ionia, Clinton, or Shiawassee county.” > [source ↗](https://www.gratiotcu.org/membership/eligibility/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Once you become a member, any of your immediate family members may join the Credit Union as well.” > [source ↗](https://www.gratiotcu.org/membership/eligibility/) - Family member (immediate family) of a member 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 Gratiot Community Credit Union? Yes No ## Work at Gratiot Community 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 Gratiot Community Credit Union ranks against Michigan peers. - See which AI assistants fetched Gratiot Community 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=gratiot-community&state=michigan&code=MI&name=Gratiot%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Gratiot Community Credit Union offer? Gratiot Community Credit Union currently offers Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Gratiot Community Credit Union rates updated? RateAPI verifies Gratiot Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Gratiot Community Credit Union's rate data? Rate data is collected directly from Gratiot Community 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 Gratiot Community Credit Union? Gratiot Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 28 published membership paths covering 9 counties for Gratiot Community Credit Union, each quoted from Gratiot Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Gratiot Community Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.gratiotcu.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 Gratiot Community 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 Gratiot Community Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /gratiot-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Gratiot Community Credit Union locations Search, filter, and browse all 4 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/gratiot-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp