What are the current interest rates at Granite State Credit Union?

Current rates for Granite State Credit Union include: 12-Month CD: 1.00%, 24-Month CD: 1.51%, 60-Month CD: 2.63%, Savings: 0.05%, MMA: 0.10%

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Granite State Credit Union

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Granite State Credit Union Rates & Review September 2026

Q: Is a member application needed to join Granite State Credit Union?

Yes, to access services at Granite State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Granite State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Granite State Credit Union's 11 Month Flexible Term CDs - CD & IRA rates are at 4.00%, 7 Month Flexible Term CDs - CD & IRA rates are at 3.71%, 48 - 59 Month Flexible Term CDs - CD & IRA rates are at 2.63%, 36 - 47 Month Flexible Term CDs - CD & IRA rates are at 2.53%, 24 - 35 Month Flexible Term CDs - CD & IRA rates are at 2.27%. Granite State Credit Union's savings rates are at 0.05%. Granite State Credit Union's money market rates are at 0.10%. Granite State Credit Union's Auto Loan Rates are as low as 4.39%. Granite State Credit Union's Credit Card Rates are at 25.00%. MonitorBankRates evaluates the financial stability of Granite State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.33%. Rates last updated and verified on 09/22/2026.

Granite State 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 State Credit Union? Share your experience about Granite State Credit Union by leaving a review below, or read customer reviews before you decide to use Granite State Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.33%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Granite State Credit Union
Administration

1415 Elm St
Manchester, NH 03101-1325

https://www.gscu.org

Granite State Credit Union CD Rates

Product	Rate	APY	Term
11 Month Flexible Term Certificates - Term Share & IRA	3.93%	4.00%	11 Months
Min Deposit $500 Min Balance $500 Details Special! Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
7 Month Flexible Term Certificates - Term Share & IRA	3.65%	3.71%	7 Months
Min Deposit $500 Min Balance $500 Details Special! Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
48 - 59 Month Flexible Term Certificates - Term Share & IRA	2.60%	2.63%	48 to 59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
36 - 47 Month Flexible Term Certificates - Term Share & IRA	2.50%	2.53%	36 to 47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
24 - 35 Month Flexible Term Certificates - Term Share & IRA	2.25%	2.27%	24 to 35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
12 - 23 Month Flexible Term Certificates - Term Share & IRA	1.50%	1.51%	12 to 23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
6 - 11 Month Flexible Term Certificates - Term Share & IRA	1.00%	1.00%	6 to 11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

Granite State Credit Union Savings Rates

Product	Rate	APY
Advantage Plus Savings Account	0.45%	0.45%
Min Deposit $50,000 Min Balance $50,000 Details Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Consumer Schedule of Fees and Charges and Truth in Savings disclosure for more information. Available upon request. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
IRA Advantage Savings	0.30%	0.30%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
IRA Advantage Savings	0.25%	0.25%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
IRA Advantage Savings	0.20%	0.20%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
IRA Advantage Savings	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
IRA Advantage Savings	0.10%	0.10%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Basic Savings Account	0.05%	0.05%
Min Deposit $10 Min Balance $10 Details Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Consumer Schedule of Fees and Charges and Truth in Savings disclosure for more information. Available upon request. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
IRA Advantage Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Details Balance: $10 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Secondary Savings (Special, Christmas, Tax, Vacation)	0.05%	0.05%
Min Deposit $10 Min Balance $10 Details Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Consumer Schedule of Fees and Charges and Truth in Savings disclosure for more information. Available upon request. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

Granite State Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.02%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Money Market Account	1.75%	1.77%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Easy Money Market Account	0.40%	0.40%
Min Deposit $10,000 Min Balance $10,000 Details Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Consumer Schedule of Fees and Charges and Truth in Savings disclosure for more information. Available upon request. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

Granite State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
auto loans	-	-	4.39%
Details Limited time offer. Rate accurate as of 4/1/2026 and subject to change. Other rates and terms available. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

Granite State Credit Union Credit Card Rates

Product	Rate	APR
Credit Card Fixed Payment	-	25.00%
Details Balance/Loan Amount: $25,000; Payment Amount: $750.00; Total Interest Paid: $18,647 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Credit Card Minimum Payment	-	25.00%
Details Balance/Loan Amount: $25,000; Payment Amount: 3% of overall balance; Total Interest Paid: $56,939.89 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Granite State Credit Union’s Texas Ratio fell from 4.64% in Q2 2023 to 3.33% in Q1 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$754M	3.33%	5.0	A+
December 31, 2025	$743M	5.03%	5.0	A+
September 30, 2025	$731M	5.10%	5.0	A+
June 30, 2025	$731M	6.47%	5.0	A
March 31, 2025	$729M	4.11%	5.0	A+
December 31, 2024	$706M	6.33%	5.0	A
September 30, 2024	$699M	5.74%	5.0	A+
June 30, 2024	$708M	5.21%	5.0	A+
March 31, 2024	$717M	4.80%	5.0	A+
December 31, 2023	$697M	5.85%	5.0	A+
September 30, 2023	$666M	5.62%	5.0	A+
June 30, 2023	$666M	4.64%	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 State 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 State 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 State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Granite State Credit Union

Website https://www.gscu.org

Address 1415 Elm St, Manchester, NH 03101-1325

Phone 603-668-2221

Fax 603-626-8029

President Deborah Vandeberghe

CEO Michele Plaza

Full-Time Employees 151

Part-Time Employees 5

Branch Locations 10

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.33%

Return on Assets (ROA)

0.2848%

Return on Equity (ROE)

2.9825%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

754,024,128

Total Amount of Shares and Deposits

676,846,471

Total Shares and Deposits < 1 Year

672,325,812

Total Shares and Deposits 1 3 Years

3,242,223

Total Shares and Deposits > 3 Years

1,278,436

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

35,643,112

Total Uninsured Shares and Deposits > $250K (F+J)

35,643,112

Total Insured Shares and Deposits > $250K (item 17 less item K)

641,203,359

Total Interest Expense (Sum of items 6 8)

1,768,896

Share Certificates

3,719

Number of Accounts for Share Drafts

35,597

IRA KEOGH Accounts

1,117

Number of Accounts for Regular Shares

62,450

Money Market Shares

810

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)

131,447,229

Total Liabilities

682,321,100

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Granite State Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Granite State Credit Union

How many branches does Granite State Credit Union operate?

Granite State 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 State Credit Union?

Yes, to access services at Granite State 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 State 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 State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Granite State Credit Union offer online and mobile banking?

Most modern institutions like Granite State 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.gscu.org.