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iAdvertiser Disclosure
Advertiser Disclosure
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 Granite State Credit Union Rates & Review March 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: March 27, 2026
Granite State Credit Union's Special! 9 month! Flexible Term CDs - CD & IRA rates are at 3.71%, Special! 9 month! CD & IRA rates are at 3.71%, 60 to 71 month Flexible Term CDs - CD & IRA rates are at 2.78%, 60 to 71 month CD & IRA rates are at 2.78%, 72 to 83 month Flexible Term CDs - CD & IRA rates are at 2.78%. 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 Personal Loan Rates are at 6.39%. 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 5.41%. Rates were last updated on 03/27/2026. 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. 
Granite State Credit Union CD Rates
Granite State Credit Union Savings Rates
Granite State Credit Union Money Market Rates
Granite State Credit Union Checking Rates
Granite State Credit Union Auto Loan Rates
Granite State Credit Union Credit Card Rates
Granite State Credit Union Personal Loan Rates
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
Denise Barstow
Full-Time Employees
150
Part-Time Employees
5
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.41%
Return on Assets (ROA)
0.5800%
Return on Equity (ROE)
6.1021%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
730,744,843
Total Amount of Shares and Deposits
655,329,872
Total Shares and Deposits < 1 Year
650,243,985
Total Shares and Deposits 1 3 Years
3,781,461
Total Shares and Deposits > 3 Years
1,304,426
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,727,110
Total Uninsured Shares and Deposits > $250K (F+J)
35,727,110
Total Insured Shares and Deposits > $250K (item 17 less item K)
619,602,762
Total Interest Expense (Sum of items 6 8)
5,734,359
Share Certificates
3,787
Number of Accounts for Share Drafts
35,145
IRA KEOGH Accounts
1,149
Number of Accounts for Regular Shares
62,220
Money Market Shares
836
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
112,667,973
Total Liabilities
661,810,011
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Granite State Credit UnionIs Granite State Credit Union a safe place to deposit money?Yes, Granite State Credit Union is considered a safe financial institution. With a Texas Ratio of 5.408886598078%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Granite State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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