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Granite Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Granite Federal Credit Union's 6 Month Homebuyer CD rates are at 4.25%, 24 - 35 Month CD rates are at 4.20%, CD - 24 month rates are at 4.20%, CD - 18 month rates are at 4.05%, 12 - 23 Month CD rates are at 4.00%. Granite Federal Credit Union's savings rates are at 5.00%. Granite Federal Credit Union's money market rates are at 4.00%. Granite Federal Credit Union's Short-Term Mortgage - 5 years rates are at 5.24%, Short-Term Mortgage - 7 years rates are at 5.49%, Short-Term Mortgage - 10 years rates are at 5.74%, Short-Term Mortgage - 12 years rates are at 5.99%, Traditional Mortgage Loan - 15-Year Conventional rates are at 6.00%. Granite Federal Credit Union's Personal Loan Rates are as low as 11.74%. Granite Federal Credit Union's Credit Card Rates are at 11.49%. Granite Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Granite Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.94%. Rates last updated and verified on 10/29/2026.
Granite Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Granite Federal Credit Union? Share your experience about Granite Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Granite Federal Credit Union.
Granite Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Granite Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
3.94%
ExcellentLower than avg
Granite Federal Credit Union Texas Ratio
Granite Federal Credit Union's Texas Ratio is 3.94%, which is considered excellent and is lower than the national average of 6.13%.
Granite Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.85% to 3.94% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Granite Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
22 Month Regular & IRA Certificate Savings Account
4.169%
4.25%
22-Month Double Bump
Min Balance$500
DetailsDouble Bump certificate
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
22-Month Double Bump Certificate
4.169%
4.25%
22 months
Min Balance$500
DetailsDouble Bump
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
6 Month Homebuyer Certificate
4.169%
4.25%
6 months
Min Balance$25
DetailsMinimum monthly automatic deposit of $25 required; early withdrawal penalty waived if funds are used toward purchase of a home
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
24 - 35 Month Certificate
4.121%
4.20%
24 - 35 months
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
24 - 35 Month First-Step & Home Buyer Certificate Savings
4.121%
4.20%
24 - 35 months
Min Balance$25
DetailsA minimum monthly automatic deposit is required for First-Step (at least $10) certificates.
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
24 - 35 Month First-Step Certificate
4.121%
4.20%
24 - 35 months
Min Balance$25
DetailsMinimum monthly automatic deposit of $10 required; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
24 Month Regular & IRA Certificate Savings Account
4.121%
4.20%
24 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Certificate - 24 month
4.121%
4.20%
24 months
Min Balance$500
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
Sep 17, 20264.20%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
18 Month Regular & IRA Certificate Savings Account
3.977%
4.05%
18 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Certificate - 18 month
3.977%
4.05%
18 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
12 - 23 Month Certificate
3.928%
4.00%
12 - 23 months
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
12 - 23 Month First-Step & Home Buyer Certificate Savings
3.928%
4.00%
12 - 23 months
Min Balance$25
DetailsA minimum monthly automatic deposit is required for First-Step (at least $10) certificates.
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
12 - 23 Month First-Step Certificate
3.928%
4.00%
12 - 23 months
Min Balance$25
DetailsMinimum monthly automatic deposit of $10 required; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
12 Month Regular & IRA Certificate Savings Account
3.928%
4.00%
12 months
Min Balance$500
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
Oct 13, 20264.00%▲ from 3.85%
Sep 21, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Certificate - 12 month
3.928%
4.00%
12 months
Min Balance$500
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
Oct 5, 20264.00%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
6 - 11 Month Regular & IRA Certificate Savings Account
3.735%
3.80%
6-11 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Certificate - 6-11 month
3.735%
3.80%
6-11 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
36 - 47 Month Certificate
3.687%
3.75%
36 - 47 months
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
36 - 47 Month First-Step & Home Buyer Certificate Savings
3.687%
3.75%
36 - 47 months
Min Balance$25
DetailsA minimum monthly automatic deposit is required for First-Step (at least $10) certificates.
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
36 - 47 Month First-Step Certificate
3.687%
3.75%
36 - 47 months
Min Balance$25
DetailsMinimum monthly automatic deposit of $10 required; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
36 Month Regular & IRA Certificate Savings Account
3.687%
3.75%
36 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
48 - 59 Month Certificate
3.687%
3.75%
48 - 59 months
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
48 - 59 Month First-Step & Home Buyer Certificate Savings
3.687%
3.75%
48 - 59 months
Min Balance$25
DetailsA minimum monthly automatic deposit is required for First-Step (at least $10) certificates.
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
48 - 59 Month First-Step Certificate
3.687%
3.75%
48 - 59 months
Min Balance$25
DetailsMinimum monthly automatic deposit of $10 required; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
48 Month Regular & IRA Certificate Savings Account
3.687%
3.75%
48 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
60+ month First-Step Certificate
3.687%
3.75%
60+ months
Min Balance$25
DetailsMinimum monthly automatic deposit of $10 required; early withdrawal penalties apply
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings Account
3.445%
3.50%
3-Month Penalty-Free
Min Balance$250,000
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Penalty-Free Certificate - 3 month
3.445%
3.50%
3 months
Min Balance$250,000
DetailsPenalty-Free
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings Account
2.716%
2.75%
3-Month Penalty-Free
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Penalty-Free Certificate - 3 month
2.716%
2.75%
3 months
Min Balance$100,000
DetailsPenalty-Free
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings Account
2.227%
2.25%
3-Month Penalty-Free
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Penalty-Free Certificate - 3 month
2.227%
2.25%
3 months
Min Balance$50,000
DetailsPenalty-Free
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings Account
1.982%
2.00%
3-Month Penalty-Free
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Penalty-Free Certificate - 3 month
1.982%
2.00%
3 months
Min Balance$25
DetailsPenalty-Free
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Business CD Rates
Product
Rate
APY
Term
View More
18 Month Business Savings Certificates
3.977%
4.05%
18 Months
DetailsPenalties imposed for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
12 Month Business Savings Certificates
3.928%
4.00%
12 Months
DetailsPenalties imposed for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
24 Month Business Savings Certificates
3.687%
3.75%
24 Months
DetailsPenalties imposed for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
36 Month Business Savings Certificates
3.687%
3.75%
36 Months
DetailsPenalties imposed for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
48 Month Business Savings Certificates
3.687%
3.75%
48 Months
DetailsPenalties imposed for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
60 Month Business Savings Certificates
3.687%
3.75%
60 Months
DetailsPenalties imposed for early withdrawals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Savings Rates
Product
Rate
APY
View More
Tier 1 YoungInvestor Savings
4.889%
5.00%
DetailsBalance: <$2,000; APY applied to balances up to $1,000; balances over $1,000 earn the standard savings rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
YoungInvestor Savings
4.889%
5.00%
DetailsBalance up to $1,000.00; balances over $1,000 revert to the standard savings rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Tier 2 YoungInvestor Savings
3.928%
4.00%
Min Balance$2,000
DetailsBalance: $2,000-$5,000; APY applied to balances up to $1,000; balances over $1,000 earn the standard savings rate
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Tier 3 YoungInvestor Savings
2.96%
3.00%
Min Balance$5,000
DetailsBalance: $5000.01-$10,000; APY applied to balances up to $1,000; balances over $1,000 earn the standard savings rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Organizational Savings
0.05%
0.05%
Min Balance$5
DetailsMin. Balance/Mo. Fee: $5.00/; Monthly fee:
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Savings
0.05%
0.05%
DetailsMinimum balance N/A; all deposit rates are variable
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Secondary Savings
0.05%
0.05%
DetailsMinimum balance N/A; all deposit rates are variable
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Tier 4 YoungInvestor Savings
0.05%
0.05%
Min Balance$10,000
DetailsBalance: >$10,000; APY applied to balances up to $1,000; balances over $1,000 earn the standard savings rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.05%
0.05%
Min Balance$5
DetailsMin. Balance/Mo. Fee: $5.00/; Monthly fee:
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Account - Dividend+ Bonus
-
3.90%
Min Balance$1,000,000
DetailsBonus rate +1.65; APY with bonus; Dividend+ account holders earn bonus on Money Market accounts with average daily balance of at least $5,000 maintained in Dividend+ Trust
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Money Market Account - Dividend+ Bonus
-
3.65%
Min Balance$500,000
DetailsBonus rate +1.65; APY with bonus; Dividend+ account holders earn bonus on Money Market accounts with average daily balance of at least $5,000 maintained in Dividend+ Trust
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Money Market Account - Dividend+ Bonus
-
3.50%
Min Balance$250,000
DetailsBonus rate +1.50; APY with bonus; Dividend+ account holders earn bonus on Money Market accounts with average daily balance of at least $5,000 maintained in Dividend+ Trust
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Money Market Account - Dividend+ Bonus
-
2.75%
Min Balance$100,000
DetailsBonus rate +1.25; APY with bonus; Dividend+ account holders earn bonus on Money Market accounts with average daily balance of at least $5,000 maintained in Dividend+ Trust
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Always Insured - ICS Money Market
2.227%
2.25%
Min Balance$250,000
DetailsMax Balance: $25,000,000.00; Monthly Fee:; Deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 11 times
1 change since Oct 5, 2026 · 3.90% → 2.25% ▼ 1.65 pts · high 3.90% / low 2.25%
Oct 9, 20262.25%▼ from 3.90%
Oct 5, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Always Insured - ICS Money Market
2.227%
2.227%
Min Balance$250,000
DetailsBalance: $250,000.00; Min. Balance/Mo. Fee: $250,000.00/; Deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 2.25% → 2.23% ▼ 0.02 pts · high 2.25% / low 2.23%
Oct 26, 20262.23%▼ from 2.25%
Sep 14, 20262.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Money Market Account - Dividend+ Bonus
-
2.10%
Min Balance$50,000
DetailsBonus rate +0.85; APY with bonus; Dividend+ account holders earn bonus on Money Market accounts with average daily balance of at least $5,000 maintained in Dividend+ Trust
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.10% APY · checked 2 times
1 change since Oct 5, 2026 · 3.65% → 2.00% ▼ 1.65 pts · high 3.65% / low 2.00%
Oct 9, 20262.00%▼ from 3.65%
Oct 5, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Money Market Account - Dividend+ Bonus
-
1.80%
Min Balance$25,000
DetailsBonus rate +0.55; APY with bonus; Dividend+ account holders earn bonus on Money Market accounts with average daily balance of at least $5,000 maintained in Dividend+ Trust
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.80% APY · checked 2 times
1 change since Sep 14, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 0.50% / low 0.50%
Sep 29, 20260.50%▼ from 0.50%
Sep 14, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Short-Term Mortgage - 5 years
5.24%
-
5.24%
5 years
DetailsFee: 0.000%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Short-Term Mortgage - 7 years
5.49%
-
5.49%
7 years
DetailsFee: 0.000%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Short-Term Mortgage - 10 years
5.74%
-
5.74%
10 years
DetailsFee: 0.000%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Short-Term Mortgage - 12 years
5.99%
-
5.99%
12 years
DetailsFee: 0.000%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Traditional Mortgage Loan - 15-Year Conventional
6.00%
-
6.211%
15 years
DetailsFee: 1.00%; APR estimated on $400,000 loan amount with 80% loan-to-value; No down payment required options available
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 6.13% → 6.21% ▲ 0.08 pts · high 6.21% / low 6.13%
Oct 26, 20266.21%▲ from 6.13%
Oct 19, 20266.13%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Traditional Mortgage Loan - 30-Year Conventional
7.125%
-
7.192%
30 years
DetailsFee: 0%; APR estimated on $400,000 loan amount with 80% loan-to-value; No down payment required options available
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.19% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - HELOC
-
-
7.25%
DetailsRate Type: Variable; Estimated monthly payment: Greater of $100 or 1.50% of balance; Variable rate index: U.S. Prime Rate plus a margin disclosed in closing documents; APR will never be greater than 18.00%; Membership eligibility required; Maximum loan amounts: $500,000 up to 80% CLTV, $100,000 up to 90% CLTV, $50,000 up to 95% CLTV
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
4.74%
48 months
DetailsRate Type: Fixed; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Auto Loan
-
-
4.74%
60 months
DetailsRate Type: Fixed; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Auto Loan
-
-
4.99%
72 months
DetailsRate Type: Fixed; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Auto Loan
-
-
5.99%
84 months
DetailsRate Type: Fixed; 73+ month loans require a minimum loan amount of $20,000 or a vehicle two years old or newer; Published rates include .25 discount for a Granite CU Spend Account + Automatic Payment; new money loans only; membership required
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Business Auto Loan - 48 Months
-
-
6.24%
48 Months
DetailsAPR* as low as; Type: Fixed
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Business Auto Loan - 60 Months
-
-
6.24%
60 Months
DetailsAPR* as low as; Type: Fixed
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Business Auto Loan - 72 Months
-
-
6.49%
72 Months
DetailsAPR* as low as; Type: Fixed
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Business Auto Loan - 84 Months
-
-
7.24%
84 Months
DetailsAPR* as low as; Type: Fixed
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Platinum - Low Rate
-
11.49%
DetailsPublished APR range: 11.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 3.00% of balance
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Business Visa Card - Business Low Rate
-
13.49%
DetailsVariable
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
VISA Platinum - Rewards
-
13.49%
DetailsPublished APR range: 13.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 3.00% of balance
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.49% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Business Visa Card - Business Rewards
-
15.49%
DetailsVariable
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 15.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Visa Signature Cashback
-
17.49%
DetailsPublished APR range: 17.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 2.00% of balance
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Granite Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan - 12 months
11.74%
12 months
DetailsRate Type: Fixed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 11.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Personal Loan - 36 months
12.74%
36 months
DetailsRate Type: Fixed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 12.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Personal Loan - 48 months
12.99%
48 months
DetailsRate Type: Variable; subject to change with changes in variable rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 12.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Personal Loan - 48 months
13.49%
48 months
DetailsRate Type: Fixed
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 13.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Visa Signature Cashback
17.49%
DetailsPublished APR range: 17.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 2.00% of balance
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 11 times
No change since Oct 26, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
IRA Account
0.25%
-
0.25%
Min Balance$20,000
DetailsIRA Rates & Terms; Balance: $20,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account
3.687%
-
3.75%
60+ months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Simplified Employee Pension
0.20%
-
0.20%
Min Balance$25
DetailsMonthly Fee:
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Simplified Employee Pension
0.20%
-
0.20%
Min Balance$5,000
DetailsMonthly Fee:
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Simplified Employee Pension
0.25%
-
0.25%
Min Balance$20,000
DetailsMonthly Fee:
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.94%
Financial Health History
Granite Federal Credit Union’s Texas Ratio rose from 2.85% in Q3 2023 to 3.94% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$918M
3.94%
5.0
A+
March 31, 2026
$917M
3.02%
5.0
A+
December 31, 2025
$907M
4.63%
5.0
A+
September 30, 2025
$914M
2.69%
5.0
A+
June 30, 2025
$901M
3.63%
5.0
A+
March 31, 2025
$896M
2.66%
5.0
A+
December 31, 2024
$841M
3.47%
5.0
A+
September 30, 2024
$859M
3.04%
5.0
A+
June 30, 2024
$819M
2.67%
5.0
A+
March 31, 2024
$819M
1.97%
5.0
A+
December 31, 2023
$804M
2.76%
5.0
A+
September 30, 2023
$789M
2.85%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Granite Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Granite Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Granite Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
56,637,509
Total Uninsured Shares and Deposits > $250K (F+J)
56,637,509
Total Insured Shares and Deposits > $250K (item 17 less item K)
709,580,029
Total Interest Expense (Sum of items 6 8)
10,031,703
Share Certificates
9,617
Number of Accounts for Share Drafts
26,563
IRA KEOGH Accounts
1,227
Number of Accounts for Regular Shares
57,756
All other shares
200
Non Member Deposits
4
Money Market Shares
5,607
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
61,947,081
Total Liabilities
831,156,647
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Granite Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Granite Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Granite Federal Credit Union
Frequently Asked Questions About Granite Federal Credit Union
Does Granite Federal Credit Union offer CDs?
Yes. Granite Federal Credit Union current CD rates include its 6 Month Homebuyer CD at 4.25% APY, its 24 - 35 Month CD at 4.20% APY and its CD - 24 month at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Granite Federal Credit Union NCUA insured?
Yes. Granite Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Granite Federal Credit Union?
The highest Granite Federal Credit Union CD rate is its 22 Month Regular & IRA CD Savings Account at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Granite Federal Credit Union offer?
Granite Federal Credit Union CD rates are 4.25% APY for a 6 month CD, 3.80% APY for a 12 month CD, 4.05% APY for an 18 month CD, 4.00% APY for a 23 month CD, 4.20% APY for a 2 year CD, 4.20% APY for a 35 month CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Granite Federal Credit Union for its full lineup.
What is the highest savings rate at Granite Federal Credit Union?
The highest Granite Federal Credit Union savings rate is its Tier 1 YoungInvestor Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Granite Federal Credit Union?
The highest Granite Federal Credit Union money market rate is its Business Builder Money Market at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Granite Federal Credit Union?
The highest Granite Federal Credit Union checking rate is its Business Money Market Checking at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest mortgage rate at Granite Federal Credit Union?
The lowest Granite Federal Credit Union mortgage rate is its Short-Term Mortgage - 5 years at 5.24%, verified by MonitorBankRates as of October 29, 2026. Granite Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.00% for a 15 year mortgage, 5.99% for a 12 year mortgage, 5.74% for a 10 year mortgage, 5.49% for a 7 year mortgage and 5.24% for a 5 year mortgage.
What is the lowest auto loan rate at Granite Federal Credit Union?
The lowest Granite Federal Credit Union auto loan rate is its Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 29, 2026. Granite Federal Credit Union auto loan rates are 6.24% APR for a 48 month auto loan, 6.24% APR for a 60 month auto loan, 6.49% APR for a 72 month auto loan and 7.24% APR for an 84 month auto loan.
What is the lowest personal loan rate at Granite Federal Credit Union?
The lowest Granite Federal Credit Union personal loan rate is its Personal Loan - 12 months at 11.74% APR, verified by MonitorBankRates as of October 29, 2026. Granite Federal Credit Union personal loan rates are 11.74% APR for a 12 month personal loan, 12.74% APR for a 36 month personal loan and 12.99% APR for a 48 month personal loan.
What is the lowest credit card APR at Granite Federal Credit Union?
The lowest Granite Federal Credit Union credit card APR is its VISA Platinum - Low Rate Credit Card at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Granite Federal Credit Union operate?
Granite Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Granite Federal Credit Union?
Yes, to access services at Granite Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Granite Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Granite Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Granite Federal Credit Union offer online and mobile banking?
Most modern institutions like Granite Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.granite.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Granite Federal Credit Union rates compare?
Granite Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. Granite Federal Credit Union's top rates are its 22 Month Regular & IRA CD Savings Account at 4.25% APY, its Tier 1 YoungInvestor Savings at 5.00% APY, its Business Builder Money Market at 4.00% APY, its Short-Term Mortgage - 5 years at 5.24%, its Personal Loan - 12 months at 11.74% APR and its VISA Platinum - Low Rate Credit Card at 11.49% APR, verified by MonitorBankRates on October 29, 2026.
Current Granite Federal Credit Union Rates
12-Month CD3.80%
18-Month CD4.05%
24-Month CD3.75%
60-Month CD3.75%
Savings5.00%
MMA4.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
