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 Greater Springfield Credit Union Rates & Review April 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
Greater Springfield Credit Union's IRA CD- 6 month rates are at 3.66%, IRA CDs - 12 month rates are at 3.66%, 12 month CD of Deposits and IRA rates are at 3.56%, 6 month CD of Deposits and IRA rates are at 3.56%, IRA CDs -18 month rates are at 3.40%. Greater Springfield Credit Union's Conventional Fixed-Rate Mortgage Loan rates are at 5.25%, Conventional Fixed-Rate Mortgage Loan rates are at 5.38%, Conventional Fixed-Rate Mortgage Loan rates are at 5.62%, Conventional Fixed-Rate Mortgage Loan rates are at 5.75%, FlexRate Mortgage Loan rates are at 5.88%. Greater Springfield Credit Union's Personal Loan Rates are at 8.75%. MonitorBankRates evaluates the financial stability of Greater Springfield Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.06%. Rates were last updated on 03/27/2026. Greater Springfield 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 Greater Springfield Credit Union? Share your experience about Greater Springfield Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Springfield Credit Union. Greater Springfield Credit Union
Main Office 1030 Wilbraham Rd
https://www.grscu.org Springfield, MA 01109 
Greater Springfield Credit Union CD Rates
Greater Springfield Credit Union Savings Rates
Greater Springfield Credit Union Checking Rates
Greater Springfield Credit Union Mortgage Rates
Greater Springfield Credit Union Home Equity & HELOC
Greater Springfield Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Greater Springfield 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 Greater Springfield 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 Greater Springfield Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Greater Springfield Credit Union
Website
https://www.grscu.org
Address
1030 Wilbraham Rd,
Springfield, MA 01109
Phone
413-782-3161
Fax
413-783-0142
President
David Wells
CEO
Jennifer StPeter
Full-Time Employees
24
Part-Time Employees
5
Branch Locations
2
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.06%
Return on Assets (ROA)
0.8927%
Return on Equity (ROE)
4.8454%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
230,181,370
Total Amount of Shares and Deposits
190,827,869
Total Shares and Deposits < 1 Year
180,304,237
Total Shares and Deposits 1 3 Years
7,671,042
Total Shares and Deposits > 3 Years
2,852,590
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,735,697
Total Uninsured Shares and Deposits > $250K (F+J)
25,735,697
Total Insured Shares and Deposits > $250K (item 17 less item K)
165,092,172
Total Interest Expense (Sum of items 6 8)
2,070,707
Share Certificates
1,060
Number of Accounts for Share Drafts
5,400
IRA KEOGH Accounts
848
Number of Accounts for Regular Shares
11,699
All other shares
1,698
Money Market Shares
259
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,087,324
Total Liabilities
190,899,879
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Greater Springfield Credit UnionIs Greater Springfield Credit Union a safe place to deposit money?Yes, Greater Springfield Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0590154082895%, 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 Greater Springfield Credit Union operate?Greater Springfield 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 Greater Springfield Credit Union?Yes, to access services at Greater Springfield 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, Greater Springfield 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, Greater Springfield Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Greater Springfield Credit Union offer online and mobile banking?Most modern institutions like Greater Springfield 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.grscu.org. Current Greater Springfield Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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