Granite Federal Credit Union Rates and Review February 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.
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Granite Federal Credit Union's 6 month Homebuyer CD rates are at 4.25%, First-Step CD 24 month rates are at 4.00%, First-Step CD 12 month rates are at 3.85%, First-Step CD 36 month rates are at 3.75%, First-Step CD 48 month rates are at 3.75%. Granite Federal Credit Union's savings rates are at 0.05%. Granite Federal Credit Union's money market rates are at 0.05%. Granite Federal Credit Union's Short-Term Mortgage rates are at 5.24%, Short-Term Mortgage rates are at 5.49%, Traditional Mortgage Loan 15-Year Conventional rates are at 5.38%, Short-Term Mortgage rates are at 5.74%, Short-Term Mortgage rates are at 5.99%. Granite Federal Credit Union's Personal Loan Rates are at 11.74%.
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 by leaving a review below, or read customer reviews before you decide to use . Granite Federal Credit Union Texas RatioGranite Federal Credit Union's Texas Ratio is at 2.83%, which is considered excellent. The Texas Ratio for Granite Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Granite Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Granite Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Granite Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Granite Federal Credit Union
Main Office 3675 S 900 E
Salt Lake City, UT 84106 
Granite Federal Credit Union CD Rates
Granite Federal Credit Union Savings Rates
Granite Federal Credit Union Money Market Rates
Granite Federal Credit Union Checking Rates
Granite Federal Credit Union Mortgage Rates
Granite Federal Credit Union Home Equity & HELOC
Granite Federal Credit Union Auto Loan Rates
Granite Federal Credit Union Credit Card Rates
Granite Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & OverviewCredit Union Name: Granite Federal Credit Union
Website: https://www.granite.org
Full Time Employees: 134Part Time Employees: 6 President: Paul Edmunds CEO: Mark Young Branch Locations: 11 ATM Locations: 11 Corporate Office Address:
3675 S 900 E
Salt Lake City, UT 84106 Phone Number: 801-288-3000 Fax Number: 801-288-3051 FinancialsTotal Assets:
913,630,758
Total Amount of Shares and Deposits:
750,350,213
Total Shares and Deposits < 1 Year:
701,918,256
Total Shares and Deposits 1 3 Years:
41,759,982
Total Shares and Deposits > 3 Years:
6,671,976
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
59,213,711
Total Uninsured Shares and Deposits > $250K (F+J):
59,213,711
Total Insured Shares and Deposits > $250K (item 17 less item K):
691,136,502
Total Interest Expense (Sum of items 6 8):
15,877,166
Share Certificates:
9,462
Number of Accounts for Share Drafts:
25,321
IRA KEOGH Accounts:
1,264
Number of Accounts for Regular Shares:
54,913
All other shares:
194
Non Member Deposits:
4
Money Market Shares:
5,569
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
62,982,402
Total Liabilities:
831,702,206
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Granite Federal Credit UnionIs a member application needed to join Granite Federal Credit Union?Yes, to access services at Granite Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Granite Federal Credit Union provides a range of mortgage and home equity products. Is Granite Federal Credit Union a safe place to deposit money?Yes, Granite Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Granite Federal Credit Union offer online and mobile banking?Most modern institutions like Granite Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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