|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Granite State Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 State Credit Union's 13 Month Flexible Term CDs - CD & IRA rates are at 4.11%, 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 0.45%. Granite State Credit Union's money market rates are at 2.02%. Granite State Credit Union's Personal Loan Rates are as low as 11.53%. Granite State Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 3.25%. Rates last updated and verified on 10/29/2026. 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. 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 State Credit Union CD Rates
Granite State Credit Union Savings Rates
Granite State Credit Union Money Market Rates
Granite State Credit Union Personal Loan Rates
Financial Health HistoryGranite State Credit Union’s Texas Ratio fell from 5.62% in Q3 2023 to 3.25% in Q2 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
148
Part-Time Employees
10
Branch Locations
10
ATM Locations
8
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.25%
Return on Assets (ROA)
0.5555%
Return on Equity (ROE)
5.6251%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
749,451,322
Total Amount of Shares and Deposits
670,273,506
Total Shares and Deposits < 1 Year
666,351,373
Total Shares and Deposits 1 3 Years
2,556,000
Total Shares and Deposits > 3 Years
1,366,133
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,179,312
Total Uninsured Shares and Deposits > $250K (F+J)
35,179,312
Total Insured Shares and Deposits > $250K (item 17 less item K)
635,094,194
Total Interest Expense (Sum of items 6 8)
3,458,498
Share Certificates
3,674
Number of Accounts for Share Drafts
35,807
IRA KEOGH Accounts
1,079
Number of Accounts for Regular Shares
62,779
Money Market Shares
815
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)
117,351,827
Total Liabilities
675,807,898
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Granite State Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Granite State Credit Union
Frequently Asked Questions About Granite State Credit UnionDoes Granite State Credit Union offer CDs?Yes. Granite State Credit Union current CD rates include its 13 Month Flexible Term CDs - CD & IRA at 4.11% APY, its 7 Month Flexible Term CDs - CD & IRA at 3.71% APY and its 48 - 59 Month Flexible Term CDs - CD & IRA at 2.63% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Granite State Credit Union NCUA insured?Yes. Granite State 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 State Credit Union?The highest Granite State Credit Union CD rate is its 13 Month Flexible Term CDs - CD & IRA at 4.11% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Granite State Credit Union offer?Granite State Credit Union CD rates are 3.71% APY for a 7 month CD, 1.00% APY for a 12 month CD, 4.11% APY for a 13 month CD, 1.51% APY for a 2 year CD, 2.27% APY for a 35 month CD, 2.53% APY for a 47 month CD, 2.63% APY for a 59 month CD and 2.63% 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 State Credit Union for its full lineup. What is the highest savings rate at Granite State Credit Union?The highest Granite State Credit Union savings rate is its Advantage Plus Savings at 0.45% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Granite State Credit Union?The highest Granite State Credit Union money market rate is its Money Market Account at 2.02% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Granite State Credit Union?The lowest Granite State Credit Union personal loan rate is its Personal Loans at 10.99%, verified by MonitorBankRates as of October 29, 2026. 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. 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 State Credit Union rates compare?Granite State Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. Granite State Credit Union's top rates are its 13 Month Flexible Term CDs - CD & IRA at 4.11% APY, its Advantage Plus Savings at 0.45% APY, its Money Market Account at 2.02% APY and its Personal Loans at 11.53% APR, verified by MonitorBankRates on October 29, 2026. Current Granite State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Cal-Com Federal Credit Union
HFS Credit Union
Kinetic Federal Credit Union
Priority One Credit Union South Pasadena, CA
Iron Mountain Kingsford Community Federal Credit Union
Code Credit Union
Hoosier Hills Credit Union
Wharton County Teachers Credit Union
Southwest Montana Community Federal Credit Union
Meijer Credit Union
New Orleans Police Department Employees Credit Union
Community Financial Services Federal Credit Union
County Credit Union
Kelly Community Federal Credit Union
Chen-Del-O Federal Credit Union
Mesquite Credit Union
Elements Financial Federal Credit Union
Triboro Postal Federal Credit Union
Potlatch No 1 Financial Credit Union
MyPoint Credit Union
Century Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
