Granco Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.granco.org

509-754-5233

217 Alder St SW
Ephrata, WA 98823

Granco Federal Credit Union is headquartered in Ephrata and is the 44^th largest credit union in the state of Washington. It is also the 1,885^th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 20 employees and 5,059 members at 2 locations. Granco Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Granco Federal Credit Union is open employees of the the Public Utility District of Grant, Kittitas, Okanogan and Douglas Counties in Washington and other organizations and municipalities.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Granco Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	10904
Year Chartered	1956
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	8.3%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$94.6MM$93.4MM
Loans	Q1 2025vs Q1 2024	$52.2MM$54.7MM
Deposits	Q1 2025vs Q1 2024	$84.4MM$84.5MM
Equity Capital	Q1 2025vs Q1 2024	$9.9MM$8.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$494K$389K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$730K$994K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Granco Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$0	$5k	Regular Share Account
OTHER TIERS: 0.01% → $5k+
1.50%^*	$0	$5k	Christmas Club
OTHER TIERS: 0.50% → $10k+ \| 1.00% → $5k - $10k

Granco Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$2.5k	-	6 Month CD Special
3.50%	$2.5k	-	12 Month CD Special
3.00%	$1.5k	-	24 Month CD Special
2.50%	$1k	-	36 Month CD Special

Locations

Granco Federal Credit Union Locations
Branch Office	217 Alder St SW	Ephrata, WA 98823
Branch Office	401 E 5th Ave	Moses Lake, WA 98837

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