Regular Shares

The share account is your primary savings account at the Credit Union. In order to open this account you must work or live in Gratiot county and maintain a minimum balance of $5.00. Gratiot Community Credit Union is a member owned financial institution. This $5.00 represents your share of ownership.

Club Accounts

Vacation Club

Your vacation club is a separate savings account from regular shares. A deposit of just $5.00 is required to open the account. It can be used for any purpose and may be deposited into the account until May 31st. Dividends are paid June 1st of each year. Check out our rates page to see what the Vacation clubs are paying.

Christmas Club

This is an ideal way to save for your holiday expenses. A deposit of just $5.00 is required to open the account. You are able to make deposits throughout the year for any amount at any time. This account is rolled over on November 1st of each year by a transfer to your regular share account. Dividends are paid to the Christmas club account before the transfer is made. Check out our rates page to see what the Christmas clubs are paying.

Youth Accounts

Developing sensible financial habits at an early age can be the key to responsible behavior. A youth account at Gratiot Community Credit Union is a great way to teach kids the value of saving for their future. It’s never too early to start your child’s savings account and get them involved in handling money. The Credit Union makes it fun and easy.

Kid’s Club
Who can participate?
Anyone who is between the ages of 5 and 18
What do you get for saving your money? 
  1. Each time you visit the credit union and make a deposit of $1.00 or more, you’ll get your name entered into a drawing to win $10.00. These drawings will take place on the last business day of March, June, September, and December. All of the names entered throughout the year will be kept for a year end drawing, where you could win $100.00.
  1. We also have an Honors Club that you can participate in. If you get all A’s and B’s on your report card, you can bring it to us and enter your name into a drawing to win a $25 gift card at the end of each semester.

Share Certificates

By investing in a Credit Union certificate of deposit, you earn a higher dividend than the regular share account. You must deposit a minimum of $1000.00 to open a certificate. Dividends are paid back into the certificate or into your regular share account.

Certificates may not be added onto during their term and withdrawals made from the original amount of the purchase is subject to a penalty. You can direct your certificate dividends to be paid back into the certificate, into your regular share account, or we can mail a check.


We offer several types of IRAs. Please contact the office for rates and further information.