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Granite State Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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.gscu.org
603-668-2221
1415 Elm St
Manchester, NH 03101

Granite State Credit Union is headquartered in Manchester and is the 5th largest credit union in the state of New Hampshire. It is also the 589th largest credit union in the nation. It was established in 1945 and as of March of 2025, it had grown to 149 employees and 52,468 members at 8 locations. Granite State Credit Union's money market rates are 5X 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. Those who live or work in the Maine counties of Oxford or York; Massachusetts counties of Essex, Franklin, Middlesex, or Worcester; or the Vermont counties of Caledonia, Essex, Orange, Windham, or Windsor are also eligible to join. Family members of current Granite State Credit Union members also qualify for membership.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #63272
Year Chartered1945
Employees149
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD8.17%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$729.2MM$716.9MM
LoansQ1 2025vs Q1 2024$492.2MM$475.2MM
DepositsQ1 2025vs Q1 2024$658.2MM$653.1MM
Equity CapitalQ1 2025vs Q1 2024$65.9MM$59.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4MM$3.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.9MM$3.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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 State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$50k-Advantage Plus Savings
0.45%$50k-Business Advantage Plus Savings
0.30%*$100k*-Advantage Savings
OTHER TIERS: 0.05% → $500 - $2.5k | 0.10% → $2.5k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $100k
0.05%$10-Basic Savings
0.05%$0-Special Savings
0.05%$0-Christmas Savings
0.05%$0-Tax Savings
0.05%$0-Vacation Savings
0.05%$10-Business Basic Savings
0.05%$0-Business Secondary Savings

Granite State Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$250k*-Money Market Account
OTHER TIERS: 0.10% → $2.5k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.77% → $100k - $250k
2.02%*$250k*-Business Money Market Account
OTHER TIERS: 0.10% → $2.5k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.77% → $100k - $250k
0.40%$10k-Easy Money Market Account
0.40%$10k-Business 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
4.00%$500-11 Month Flexible Term Share Certificate Special
4.00%$500-Business 11 Month Flexible Term Share Certificate Special
2.78%$500-60-71 Month Flexible Term Share Certificate
2.78%$500-72-83 Month Flexible Term Share Certificate
2.78%$500-84-96 Month Flexible Term Share Certificate
2.78%$500-Business 60-71 Month Flexible Term Share Certificate
2.78%$500-Business 72-83 Month Flexible Term Share Certificate
2.78%$500-Business 84-96 Month Flexible Term Share Certificate
2.63%$500-48-59 Month Flexible Term Share Certificate
2.63%$500-Business 48-59 Month Flexible Term Share Certificate
2.53%$500-36-47 Month Flexible Term Share Certificate
2.53%$500-Business 36-47 Month Flexible Term Share Certificate
2.27%$500-24-35 Month Flexible Term Share Certificate
2.27%$500-Business 24-35 Month Flexible Term Share Certificate
1.51%$500-12-23 Month Flexible Term Share Certificate
1.51%$500-Business 12-23 Month Flexible Term Share Certificate
1.00%$500-6-11 Month Flexible Term Share Certificate
1.00%$500-Business 6-11 Month Flexible Term Share Certificate

Granite State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-11 Month Flexible Term IRA Certificate Special
2.78%$500-60-71 Month Flexible Term IRA Certificate
2.78%$500-72-83 Month Flexible Term IRA Certificate
2.78%$500-84-95 Month Flexible Term IRA Certificate
2.63%$500-48-59 Month Flexible Term IRA Certificate
2.53%$500-36-47 Month Flexible Term IRA Certificate
2.27%$500-24-35 Month Flexible Term IRA Certificate
1.51%$500-12-23 Month Flexible Term IRA Certificate
1.00%$500-6-11 Month Flexible Term IRA Certificate
0.30%*$100k*-IRA Advantage Savings
OTHER TIERS: 0.05% → $10 - $2.5k | 0.10% → $2.5k - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $100k
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 Office145 Raymond RdCandia, NH 03034
Branch Office51 Tilton RdTilton, NH 03276-5232
Branch Office190 Broad StNashua, NH 03063
Branch Office7 Two Rod RdRochester, NH 03867-4328

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