Granite State Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.49%	5-year CD	60-71 Month Flexible Term Share Certificate 1.85% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12-23 Month Flexible Term Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Basic Savings 1.00% - Ally Bank Online Savings Account

View all Granite State Credit Union rates »

Overview / Commentary

www.gscu.org

1-800-645-GSCU

1415 Elm St
Manchester, NH 03101-1325

Granite State Credit Union is headquartered in Manchester and is the 6^th largest credit union in the state of New Hampshire. It is also the 654^th largest credit union in the nation. It was established in 1945 and as of June of 2016, it had grown to 132 employees and 33,328 members at 10 locations. Granite State Credit Union's money market rates are 16% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Granite State Credit Union of New Hampshire is open to every resident or person that works throughout the entire state and the family members of current credit union members.
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Reviews (1)

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Featured Account Options

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.

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2

Health

B+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #	63272
Year Chartered	1945
Employees	132
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	3.88%
Annual Interest Income	$6.4MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$363.6MM$353.8MM
Loans	Q2 2016vs Q2 2015	$288.6MM$263.1MM
Deposits	Q2 2016vs Q2 2015	$332.1MM$323.8MM
Equity Capital	Q2 2016vs Q2 2015	$29.0MM$27.8MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$663.00K$960.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.8MM$3.6MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$75.00K

Rates

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Savings
Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
0.25%	$50k	-	Advantage Plus Savings
0.20%^*	$50k^*	-	Advantage Savings
OTHER TIERS: 0.05% → $500 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	IRA Advantage Savings
OTHER TIERS: 0.05% → $10 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	CESA Advantage Savings
OTHER TIERS: 0.05% → $10 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	Roth IRA Advantage Savings
OTHER TIERS: 0.05% → $10 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	SEP IRA Advantage Savings
OTHER TIERS: 0.05% → $10 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k
0.05%	-	-	Basic Savings

Granite State Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.51%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $10 - $2,500 \| 0.10% → $2,500 - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k
0.20%^*	$10k^*	-	Easy Money Market Account
OTHER TIERS: 0.10% → $10 - $10k

Granite State Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Advantage Checking

Granite State Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.49%	$500	-	60-71 Month Flexible Term Share Certificate
1.49%	$500	-	72-96 Month Flexible Term Share Certificate
1.29%	$500	-	48-59 Month Flexible Term Share Certificate
1.00%	$500	-	36-47 Month Flexible Term Share Certificate
0.75%	$500	-	24-35 Month Flexible Term Share Certificate
0.35%	$500	-	12-23 Month Flexible Term Share Certificate
0.25%	$500	-	6-11 Month Flexible Term Share Certificate

Granite State Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.49%	$500	-	60-71 Month Flexible Term IRA Certificate
1.49%	$500	-	72-96 Month Flexible Term IRA Certificate
1.29%	$500	-	48-59 Month Flexible Term IRA Certificate
1.00%	$500	-	36-47 Month Flexible Term IRA Certificate
0.75%	$500	-	24-35 Month Flexible Term IRA Certificate
0.35%	$500	-	12-23 Month Flexible Term IRA Certificate
0.25%	$500	-	6-11 Month Flexible Term IRA Certificate

Locations

Granite State Credit Union Locations
Branch Office	38 Birch St	Derry, NH 03038
Branch Office	1415 Elm St	Manchester, NH 03101-1325
Branch Office	311 Sheep Davis Rd	Concord, NH 03301-5747
Branch Office	200 Derry Rd	Hudson, NH 03051-3320
Branch Office	132 State Route 101A	Amherst, NH 03031
Branch Office	19 Elm St	Nashua, NH 03060-3326
Branch Office	145 Raymond Rd	Candia, NH 03034
Branch Office	68 Lafayette Rd	Seabrook, NH 03874-4507
Branch Office	51 Tilton Rd	Tilton, NH 03276-5232
Branch Office	311 Sheep Davis Rd	Concord, NH 03301-5747