Granite State Credit Union


Overview / Commentary
1-800-645-GSCU
1415 Elm St
Manchester, NH 03101-1325

Granite State Credit Union is headquartered in Manchester and is the 6th largest credit union in the state of New Hampshire. It is also the 650th largest credit union in the nation. It was established in 1945 and as of June of 2019, it had grown to 132 employees and 39,840 members at 9 locations. Granite State Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Granite State Credit Union is open to individuals who live or work in New Hampshire. Family members of current Granite State Credit Union members are also eligible for membership.
See current membership details

Reviews (2)

Glad I switched

Posted by: Fidelvalo | Aug 22, 2017

I have switched from a normal bank to a credit union and could not be any happier. I have had nothing but pleasant experiences with the customer service whether it be on the phone or in person. I have been alerted immediately of any suspicious activity always and never had to worry about my accounts and making reports.....it is always in process when I have been contacted.
I enjoy that when I need a few checks to hold me over, I can go in and request them without having to order a box of 25 or 50 of them. Customer service appears to always be happy and helpful. Their products are very competitive, most often better then other banks. The online interface is simple to use and well organized. I would definitely recommend this credit union to anyone in the granite state (NH).

Credit Unions Rock

Posted by: MelissaB | May 12, 2011

I recently joined the Granite State Credit Union because they had a promotion to refinance my car loan. I went from having an interest rate of 7.99% to 2.65%! They were extremely friendly and helpful throughtout the process and it was super easy. I applied for the loan online which I thought was awesome for a Credit Union and I received a phone call within minutes telling me I was approved. All I had to do was go into the credit union, deposit $100 into a savings account because I was not already a member so I had to join and within 30 minutes all the paperwork was signed and I was saving hundreds on my car loan. Since then I've received emails and phone calls thanking me for my business and asking if I needed anything or had questions. I've had a checking account with a nation wide bank for over 10 years and have never received such phone calls or emails.



Health
B+

Health Grade Components

Overall
NCUA #63272
Year Chartered1945
Employees132
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD11.27%
Annual Interest Income$9.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$424.0MM$409.2MM
LoansQ2 2019vs Q2 2018$345.9MM$331.4MM
DepositsQ2 2019vs Q2 2018$383.1MM$373.2MM
Equity CapitalQ2 2019vs Q2 2018$36.9MM$33.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.1MM$869.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$2.0MM$1.5MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Granite State Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Granite State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$50k-Advantage Plus Savings
0.30%*$100k*-Advantage Savings
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.30%*$100k*-IRA Advantage Savings
OTHER TIERS: 0.05% $10 - $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.05%$10-Basic Savings

Granite State Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$250k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.85% $100k - $250k
0.30%$10k-Easy Money Market Account

Granite State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Advantage Checking

Granite State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k-32 Month Flexible Term Share Certificate Special
1.80%$1k-18 Month Flexible Term Share Certificate Special
1.75%$500-60-71 Month Flexible Term Share Certificate
1.75%$500-72-83 Month Flexible Term Share Certificate
1.75%$1k-84-95 Month Flexible Term Share Certificate
1.55%$500-48-59 Month Flexible Term Share Certificate
1.25%$500-36-47 Month Flexible Term Share Certificate
1.00%$500-24-35 Month Flexible Term Share Certificate
0.60%$500-12-23 Month Flexible Term Share Certificate
0.50%$500-6-11 Month Flexible Term Share Certificate

Granite State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%--32 Month Flexible Term IRA Certificate Special
1.80%$1k-18 Month Flexible Term IRA Certificate Special
1.75%$500-60-71 Month Flexible Term IRA Certificate
1.75%$500-72-83 Month Flexible Term IRA Certificate
1.75%$1k-84-95 Month Flexible Term IRA Certificate
1.55%$500-48-59 Month Flexible Term IRA Certificate
1.25%$500-36-47 Month Flexible Term IRA Certificate
1.00%$500-24-35 Month Flexible Term IRA Certificate
0.60%$500-12-23 Month Flexible Term IRA Certificate
0.50%$500-6-11 Month Flexible Term IRA Certificate
Locations


Granite State Credit Union Locations
Branch Office38 Birch StDerry, NH 03038
Branch Office1415 Elm StManchester, NH 03101-1325
Branch Office311 Sheep Davis RdConcord, NH 03301-5747
Branch Office132 State Route 101AAmherst, NH 03031
Branch Office19 Elm StNashua, NH 03060-3326
Branch Office145 Raymond RdCandia, NH 03034
Branch Office68 Lafayette RdSeabrook, NH 03874-4507
Branch Office51 Tilton RdTilton, NH 03276-5232
Branch Office311 Sheep Davis RdConcord, NH 03301-5747

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