GraCo FCU hours:

Monday, Tuesday, Thursday
9:00am - 5:30pm
Wednesday 10:00am - 5:30pm
Friday 9:00am - 7:00pm
Saturday 9:00am - 12:00pm

ATM Locator



Our Story

On October 23, 1962, a general meeting of the Alma Education Association was held at 4:00 PM in the all-purpose room of Wright Avenue Elementary School to discuss the organization of a credit union. A handout provided entitled, “What Makes Credit Unions Different?” says, “There are other institutions happy enough to accept a teacher’s money or to lend him funds. But only a credit union – operated by and for teachers – is completely tailored to the special problems teachers have. A teacher’s credit union is not a business in the usual sense, but a service organization. It is chartered by law as a non-profit corporation, limited to serving members only. Its customers are its owners. Its policies and services are shaped by their specific needs…”. On this day in 1962, Gratiot County Teacher’s Federal Credit Union was established by a group of teachers looking for a financial institution that understood their unique financial needs.

Over the years, our name has changed and our field of membership has expanded to a “community charter” allowing anyone who lives, works, worships, or attends school in Gratiot County, Michigan to join our credit union. Through these changes, GraCo Federal Credit Union still holds true to our original ideals. We are owned by our members and we are here to serve our members. Each of our members has unique financial needs and we provide a variety of services to fill them…from high dollar home equities to low dollar payday advance loans…from free online and bill pay services to face to face friendly interaction…

At GraCo Federal Credit Union, we all benefit from the cooperative nature of our members! If it’s time for a change, it’s time for GraCo FCU.

Our Mission Statement

GraCo Federal Credit Union is a member owned financial co-operative dedicated to member service and community involvement through responsible leadership.

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