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Granite Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
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.granite.org
801-288-3000
3675 S 900 E
Salt Lake City, UT 84106

Granite Credit Union is headquartered in Salt Lake City and is the 10th largest credit union in the state of Utah. It is also the 497th largest credit union in the nation. It was established in 1986 and as of March of 2025, it had grown to 127 employees and 37,359 members at 11 locations. Granite Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Granite Credit Union is open to those who live, work, worship, volunteer, or attend school in Salt Lake County, Utah. Employees of the Granite, Murray, or Salt Lake School District also qualify for membership. Immediate family of anyone who qualifies for member are also eligible to join. Membership eligibility is listed on the online application.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24726
Year Chartered1986
Employees127
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.66%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$896.3MM$818.7MM
LoansQ1 2025vs Q1 2024$673.4MM$657.4MM
DepositsQ1 2025vs Q1 2024$733.5MM$699.2MM
Equity CapitalQ1 2025vs Q1 2024$77.2MM$70.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.3MM$4.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.4MM$1.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Granite Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$1kYoung Investor Savings
OTHER TIERS: 0.05% → $1k+
0.25%*$20k*-HSA (Health Savings Account)
OTHER TIERS: 0.20% → $0 - $20k
0.25%*$20k*-SEP Savings
OTHER TIERS: 0.20% → $25 - $20k
0.25%*$20k*-Educational Savings
OTHER TIERS: 0.20% → $0 - $20k
0.05%$0-Regular Shares/Savings
0.05%$0-Business Savings
0.05%$0-Organizational Savings
0.05%$0-Secondary Shares (Other Shares)

Granite Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$1m*-Money Market Account w/ Bonus
OTHER TIERS: 0.05% → $0 - $2.5k | 1.25% → $2.5k - $25k | 1.80% → $25k - $50k | 2.10% → $50k - $100k | 2.85% → $100k - $250k | 3.60% → $250k - $500k | 3.75% → $500k - $1m
3.50%*$250k*-Business Money Market Checking
OTHER TIERS: 0.05% → $0 - $2.5k | 0.50% → $2.5k - $10k | 1.50% → $10k - $50k | 2.25% → $50k - $100k | 3.00% → $100k - $250k
3.00%$250k-ICS Money Market
2.25%*$1m*-Money Market Account
OTHER TIERS: 0.05% → $0 - $2.5k | 1.25% → $2.5k - $100k | 1.50% → $100k - $250k | 2.00% → $250k - $1m

Granite Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$25-Home Buyer Savings CD
4.25%$500-12 Month CD
4.25%$500-Business Under 12 Month CD
4.25%$500-Business 12 Month CD
4.25%$500-Business 24 Month CD
4.25%$25-12-23 Month First Step CD
4.25%$500-Business 18 Month CD
4.15%$500-6 - 11 Month CD
4.10%$500-18 Month CD
4.00%$500-24 Month CD
4.00%$25-24-35 Month First Step CD
3.80%*$250k*-3 Month Penalty Free CD
OTHER TIERS: 2.50% → $25 - $100k | 3.00% → $100k - $250k
3.75%$500-36 Month CD
3.75%$25-48-59 Month First Step CD
3.75%$25-60 Month First Step CD
3.75%$500-Business 36 Month CD
3.75%$500-Business 48 Month CD
3.75%$500-Business 60 Month CD
3.75%$25-36-47 Month First Step CD
3.75%$500-48 Month CD
3.75%$500-60+ Month CD

Granite Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-12 Month IRA
4.15%$500-6 - 11 Month IRA
4.10%$500-18 Month IRA
4.00%$500-24 Month IRA
3.75%$500-36 Month IRA
3.75%$500-48 Month IRA
3.75%$500-60+ Month IRA
0.25%*$20k*-IRA Shares
OTHER TIERS: 0.20% → $0 - $20k
Locations

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