A credit union is a unique financial organization. When you open your share account, you become a shareholder, or member, of the credit union.

As a member, you have a voice. Members elect the board of directors who set rates and policies, who determine what services to offer, and who help plan for our future. Members are the volunteers who serve on the board of directors and on the supervisory committee, the watchdog of our credit union. Members can attend and participate in our annual meeting. At a credit union, you, the member, make the difference.

Our field of membership includes anyone who Lives, Works, Worships, or Attends School in Gratiot County, Michigan.

A $10.00 deposit into a primary share account is required and must be maintained to be a member and to have any other accounts or loans with GraCo FCU.

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