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Greylock Federal Credit Union Rates & Review September 2026

Greylock Federal Credit Union's 12 Month Business CD rates are at 3.35%, 6 Month Business CD rates are at 3.35%, 9 Month Business CD rates are at 3.35%, 18 Month Business CD rates are at 3.20%, 24 Month Business CD rates are at 2.94%. Greylock Federal Credit Union's money market rates are at 0.25%. Greylock Federal Credit Union's Personal Loan Rates are as low as 7.75%. MonitorBankRates evaluates the financial stability of Greylock Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.78%. Rates last updated and verified on 09/21/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.78%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Greylock Federal Credit Union
West Street
150 West St
Pittsfield, MA 01201
https://www.greylock.org
Member NCUA

Greylock Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Business Certificate 3.30% 3.35% 12 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
6 Month Business Certificate 3.30% 3.35% 6 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
9 Month Business Certificate 3.30% 3.35% 9 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
18 Month Business Certificate 3.15% 3.20% 18 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
24 Month Business Certificate 2.90% 2.94% 24 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
36 Month Business Certificate 2.90% 2.94% 36 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
48 Month Business Certificate 2.75% 2.79% 48 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
60 Month Business Certificate 2.75% 2.79% 60 Month Business
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%

Greylock Federal Credit Union Money Market Rates

Product Rate APY View More
Business Money Market Account 0.95% 0.95%
Min Balance $50,000
Details Balance: $50,000 to $99,999
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Business Money Market Account 0.95% 0.95%
Min Balance $100,000
Details Balance: $100,000 to $199,999
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Business Money Market Account 0.95% 0.95%
Min Balance $200,000
Details Balance: $200,000 or more
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Business Money Market Account 0.75% 0.75%
Min Balance $25,000
Details Balance: $25,000 to $49,999
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Business Money Market Account 0.45% 0.45%
Min Balance $2,500
Details Balance: $2,500 to $24,999
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Business Money Market Account 0.25% 0.25%
Min Balance $15
Details Balance: $15 to $2,499
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%

Greylock Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - 2023 and newer vehicles - - 5.29% 6 Years
Details 0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Auto Loan - 2020-2022 - - 5.79% 6 Years
Details 0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Auto Loan - 2019 and older vehicles - - 7.54% 6 Years
Details 0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%

Greylock Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loan - 8.14% 6 Years
Details As Low As; Vehicle: motorcycle, jet ski, snowmobile, camper, motor home, ATV or other off road transportation. Rates available May 23 - 31, 2026.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Recreational Vehicle Loan - 8.64% 6 Years
Details As Low As; Vehicle: motorcycle, jet ski, snowmobile, camper, motor home, ATV or other off road transportation. Rates available May 23 - 31, 2026.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Recreational Vehicle Loan - 10.39% 6 Years
Details As Low As; Vehicle: motorcycle, jet ski, snowmobile, camper, motor home, ATV or other off road transportation. Rates available May 23 - 31, 2026.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%

Greylock Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Personal Loan 7.75% 15 year
Details up to $25,000; As Low As; Primary residences only. 1-2 unit homes, condos, mobile homes (not in parks). Bill or invoice is required. Check(s) to be made payable to borrower and contractor.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Personal Loan 9.99% Up to 5 years
Details up to $2500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%
Personal Loan to $5000) 10.99% Up to 5 years
Details $2501
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%

Greylock Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Fuel Loan - - 6.00% Up to 10 Months
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.78%

Financial Health History

Greylock Federal Credit Union’s Texas Ratio rose from 3.54% in Q2 2023 to 6.78% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.54% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 6.78% A Q1 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.7B6.78%5.0A
December 31, 2025$1.7B9.19%5.0A
September 30, 2025$1.7B9.81%5.0A
June 30, 2025$1.6B8.62%5.0A
March 31, 2025$1.6B5.61%5.0A+
December 31, 2024$1.6B7.40%5.0A
September 30, 2024$1.6B6.43%5.0A
June 30, 2024$1.6B5.00%5.0A+
March 31, 2024$1.6B2.51%5.0A+
December 31, 2023$1.6B3.62%5.0A+
September 30, 2023$1.6B4.26%5.0A+
June 30, 2023$1.6B3.54%5.0A+
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 Greylock 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 Greylock 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 Greylock Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greylock Federal Credit Union
Address 150 West St, Pittsfield, MA 01201
Phone 413-236-4000
Fax 413-443-0292
President Pete Lopez
CEO John Bissell
Full-Time Employees 259
Part-Time Employees 12
Branch Locations 14
ATM Locations 14
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.78%
Return on Assets (ROA)
0.1993%
Return on Equity (ROE)
1.5655%
Non-Performing Loans Ratio (NPL)
1.15%
Total Assets
1,709,091,532
Total Amount of Shares and Deposits
1,451,891,273
Total Shares and Deposits < 1 Year
1,421,269,054
Total Shares and Deposits 1 3 Years
30,077,525
Total Shares and Deposits > 3 Years
544,694
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
160,876,505
Total Uninsured Shares and Deposits > $250K (F+J)
160,876,505
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,291,014,768
Total Interest Expense (Sum of items 6 8)
5,373,821
Share Certificates
10,378
Number of Accounts for Share Drafts
66,062
IRA KEOGH Accounts
4,550
Number of Accounts for Regular Shares
131,355
Non Member Deposits
859
Money Market Shares
4,572
Net Income (unless the amount is already included in Undivided Earnings)
3,405,696
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)
76,581,046
Total Liabilities
1,534,025,914
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Greylock Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Greylock Federal Credit Union

How many branches does Greylock Federal Credit Union operate?

Greylock Federal 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 Greylock Federal Credit Union?

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

Does Greylock Federal Credit Union offer online and mobile banking?

Most modern institutions like Greylock Federal 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.greylock.org.

Current Greylock Federal Credit Union Rates

  • 12-Month CD3.35%
  • 18-Month CD3.20%
  • 24-Month CD2.94%
  • 60-Month CD2.79%
  • MMA0.25%
Retrieved from our database of financial products. Rates subject to change.