What are the current interest rates at Granite Federal Credit Union?

Current rates for Granite Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 4.05%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 5.00%, MMA: 4.00%

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Granite Federal Credit Union

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Granite Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Granite Federal Credit Union?

Yes, to access services at Granite 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Granite Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Granite Federal Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 22 Month Regular & IRA CD Savings, 5.00% APY on savings, 4.00% APY on money market accounts, 5.24% on its Short-Term Mortgage, personal loans from 11.74% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Granite Federal Credit Union CD rates include 22 Month Savings CD at 4.25%, 6 Month Homebuyer CD at 4.25%, and Regular & IRA CD Savings Account - 22-Month Double Bump at 4.25%. Other Granite Federal Credit Union mortgage rates include Short-Term Mortgage at 5.49%, Short-Term Mortgage at 5.74%, and Short-Term Mortgage at 5.99%. MonitorBankRates evaluates the financial stability of Granite Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.94%. Rates last updated and verified on 10/13/2026.

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 Granite Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Granite Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Granite Federal Credit Union
Main Office

3675 S 900 E
Salt Lake City, UT 84106

https://www.granite.org

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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 Federal Credit Union CD Rates

Product	Rate	APY	Term
22 Month Regular & IRA Certificate Savings	4.169%	4.25%	22-Month Double Bump
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
22 Month Savings Certificate	4.169%	4.25%	22-Month Double Bump
Min Balance $500 Details Double Bump Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
6 Month Homebuyer Certificate	4.169%	4.25%	6 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account - 22-Month Double Bump	4.169%	4.25%	22-Month
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 - 35 Month Certificate	4.121%	4.20%	24 - 35 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 - 35 Month First-Step & Home Buyer Certificate Savings Account	4.121%	4.20%	24 - 35 months
Min Balance $25 Details Balance: $25 minimum Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 - 35 Month First-Step Certificate	4.121%	4.20%	24 - 35 months
Min Balance $25 Details Requires minimum monthly automatic deposit of $10; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 Month Regular & IRA Certificate Savings Account	4.121%	4.20%	24 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 Month Savings Certificate	4.121%	4.20%	24 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
18 Month Regular & IRA Certificate Savings Account	3.977%	4.05%	18 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
18 Month Savings Certificate	3.977%	4.05%	18 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 - 23 Month Certificate	3.928%	4.00%	12 - 23 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 - 23 Month First-Step & Home Buyer Certificate Savings Account	3.928%	4.00%	12 - 23 months
Min Balance $25 Details Balance: $25 minimum Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 5, 20264.00%▲ from 3.85% Sep 17, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 - 23 Month First-Step Certificate	3.928%	4.00%	12 - 23 months
Min Balance $25 Details Requires minimum monthly automatic deposit of $10; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 Month Regular & IRA Certificate Savings Account	3.928%	4.00%	12 months
Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 13, 20264.00%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 Month Savings Certificate	3.928%	4.00%	12 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
6 - 11 Month Regular & IRA Certificate Savings Account	3.735%	3.80%	6-11 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
6 - 11 Month Savings Certificate	3.735%	3.80%	6-11 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
36 - 47 Month Certificate	3.687%	3.75%	36 - 47 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
36 - 47 Month First-Step & Home Buyer Certificate Savings Account	3.687%	3.75%	36 - 47 months
Min Balance $25 Details Balance: $25 minimum Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
36 - 47 Month First-Step Certificate	3.687%	3.75%	36 - 47 months
Min Balance $25 Details Requires minimum monthly automatic deposit of $10; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
36 Month Regular & IRA Certificate Savings Account	3.687%	3.75%	36 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
36 Month Savings Certificate	3.687%	3.75%	36 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
48 - 59 Month Certificate	3.687%	3.75%	48 - 59 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
48 - 59 Month First-Step & Home Buyer Certificate Savings Account	3.687%	3.75%	48 - 59 months
Min Balance $25 Details Balance: $25 minimum Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
48 - 59 Month First-Step Certificate	3.687%	3.75%	48 - 59 months
Min Balance $25 Details Requires minimum monthly automatic deposit of $10; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
48 Month Regular & IRA Certificate Savings Account	3.687%	3.75%	48 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
48 Month Savings Certificate	3.687%	3.75%	48 months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
60+ month First-Step Certificate	3.687%	3.75%	60+ months
Min Balance $25 Details Requires minimum monthly automatic deposit of $10; early withdrawal penalties apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
60+ month Savings Certificate	3.687%	3.75%	60+ months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings	3.445%	3.50%	3-Month Penalty-Free
Min Balance $250,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Savings Certificate	3.445%	3.50%	3-Month Penalty-Free
Min Balance $250,000 Details Penalty-Free Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account - 3-Month Penalty-Free	3.445%	3.50%	3-Month
Min Balance $250,000 Details Early withdrawal penalties do not apply to 3-month Penalty-Free Certificate. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings	2.716%	2.75%	3-Month Penalty-Free
Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Savings Certificate	2.716%	2.75%	3-Month Penalty-Free
Min Balance $100,000 Details Penalty-Free Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account - 3-Month Penalty-Free	2.716%	2.75%	3-Month
Min Balance $100,000 Details Early withdrawal penalties do not apply to 3-month Penalty-Free Certificate. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings	2.227%	2.25%	3-Month Penalty-Free
Min Balance $50,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Savings Certificate	2.227%	2.25%	3-Month Penalty-Free
Min Balance $50,000 Details Penalty-Free Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account - 3-Month Penalty-Free	2.227%	2.25%	3-Month
Min Balance $50,000 Details Early withdrawal penalties do not apply to 3-month Penalty-Free Certificate. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Regular & IRA Certificate Savings	1.982%	2.00%	3-Month Penalty-Free
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
3 Month Savings Certificate	1.982%	2.00%	3-Month Penalty-Free
Min Balance $25 Details Penalty-Free Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account - 3-Month Penalty-Free	1.982%	2.00%	3-Month
Min Balance $25 Details Early withdrawal penalties do not apply to 3-month Penalty-Free Certificate. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Business CD Rates

Product	Rate	APY	Term
18 Month Business Savings Certificates	3.977%	4.05%	18 Months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
12 Month Business Savings Certificates	3.928%	4.00%	12 Months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
24 Month Business Savings Certificates	3.687%	3.75%	24 Months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
36 Month Business Savings Certificates	3.687%	3.75%	36 Months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
48 Month Business Savings Certificates	3.687%	3.75%	48 Months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
60 Month Business Savings Certificates	3.687%	3.75%	60 Months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Savings Rates

Product	Rate	APY
Tier 1 YoungInvestor Savings	4.889%	5.00%
Details Balance: <$2,000; APY applies to balances up to $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
YoungInvestor Savings	4.889%	5.00%
Details Balance: up to $1,000.00; APY applies to balances up to $1,000; balances over $1,000 revert to the standard savings rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Tier 2 YoungInvestor Savings	3.928%	4.00%
Min Balance $2,000 Details Balance: $2,000-$5,000; APY applies to balances up to $1,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Tier 3 YoungInvestor Savings	2.96%	3.00%
Min Balance $5,000 Details Balance: $5000.01-$10,000; APY applies to balances up to $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Savings	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Secondary Savings	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Tier 4 YoungInvestor Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: >$10,000; APY applies to balances up to $1,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Organizational Savings	0.05%	0.05%
Min Balance $5 Details Min. Balance/Mo. Fee: $5.00/ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Savings	0.05%	0.05%
Min Balance $5 Details Min. Balance/Mo. Fee: $5.00/ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Money Market Rates

Product	Rate	APY
Always Insured - ICS Money Market	2.227%	2.25%
Min Balance $250,000 Details Min. Balance/Mo. Fee: $250,000.00/; Max Balance: $25,000,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	2.227%	2.25%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Bonus rate: +1.65%; APY w/ bonus: 3.90% Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 3.90% → 2.25% ▼ 1.65 pts · high 3.90% / low 2.25% Oct 9, 20262.25%▼ from 3.90% Oct 5, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Always Insured - ICS Money Market	2.227%	2.227%
Min Balance $250,000 Details Monthly fee:; Deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.23% ▼ 0.02 pts · high 2.25% / low 2.23% Oct 13, 20262.23%▼ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.982%	2.00%
Min Balance $250,000 Details Balance: $250,000 and over; Bonus rate: +1.50%; APY w/ bonus: 3.50% Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 3.50% → 2.00% ▼ 1.50 pts · high 3.50% / low 2.00% Oct 9, 20262.00%▼ from 3.50% Oct 5, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.982%	2.00%
Min Balance $500,000 Details Balance: $500,000 and over; Bonus rate: +1.65%; APY w/ bonus: 3.65% Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 3.65% → 2.00% ▼ 1.65 pts · high 3.65% / low 2.00% Oct 9, 20262.00%▼ from 3.65% Oct 5, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 and over; Bonus rate: +1.25%; APY w/ bonus: 2.75% Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 2.75% → 1.50% ▼ 1.25 pts · high 2.75% / low 1.50% Oct 9, 20261.50%▼ from 2.75% Oct 5, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.243%	1.25%
Min Balance $2,500 Details Balance: $2,500 and over; Bonus rate: n/a Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.243%	1.25%
Min Balance $10,000 Details Balance: $10,000 and over; Bonus rate: n/a Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.243%	1.25%
Min Balance $25,000 Details Balance: $25,000 and over; Bonus rate: +0.55%; APY w/ bonus: 1.80% Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 1.80% → 1.25% ▼ 0.55 pts · high 1.80% / low 1.25% Oct 9, 20261.25%▼ from 1.80% Oct 5, 20261.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	1.243%	1.25%
Min Balance $50,000 Details Balance: $50,000 and over; Bonus rate: +0.85%; APY w/ bonus: 2.10% Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 2.10% → 1.25% ▼ 0.85 pts · high 2.10% / low 1.25% Oct 9, 20261.25%▼ from 2.10% Oct 5, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Money Market Account	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 and over; Bonus rate: n/a Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Builder Money Market	3.929%	4.00%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Builder Money Market	-	4.00%
Min Balance $10,000 Details Published APY range: 4.00% - 3.10%. Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Builder Money Market	-	3.10%
Min Balance $25,000 Details Published APY range: 3.10% - 2.55%. Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Builder Money Market	-	2.55%
Min Balance $50,000 Details Published APY range: 2.55% - 1.50%. Balance: $50,000 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Always Insured - ICS Money Market	2.227%	2.25%
Min Balance $250,000 Details Balance: $250,000.00 - $25,000,000.00; Monthly fee:; Max balance: $25,000,000.00; Deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Money Market Checking	3.832%	3.90%
Min Balance $100,000 Details Balance tier: MMA Min Balance $1,00,000.00 (as printed); Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	3.687%	3.75%
Min Balance $500,000 Details Balance tier: MMA Min Balance $500,000.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	3.455%	3.50%
Min Balance $250,000 Details Balance tier: MMA Min Balance $250,000.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	2.716%	2.75%
Min Balance $100,000 Details Balance tier: MMA Min Balance $100,000.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	2.227%	2.25%
Min Balance $50,000 Details Balance tier: MMA Min Balance $50,000.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	1.49%	1.50%
Min Balance $10,000 Details Balance tier: MMA Min Balance $10,000.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	1.49%	1.50%
Min Balance $25,000 Details Balance tier: MMA Min Balance $25,000.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Money Market Checking	0.499%	0.499%
Min Balance $2,500 Details Balance tier: MMA Min Balance $2,500.00; Monthly Fee: $10 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 0.50% / low 0.50% Sep 29, 20260.50%▼ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Short-Term Mortgage	5.24%	-	5.24%	5 years
Details Fee: 0.000%; Apply: Short-Term Mortgage Application Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Short-Term Mortgage	5.49%	-	5.49%	7 years
Details Fee: 0.000%; Apply: Short-Term Mortgage Application Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Short-Term Mortgage	5.74%	-	5.74%	10 years
Details Fee: 0.000%; Apply: Short-Term Mortgage Application Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Short-Term Mortgage	5.99%	-	5.99%	12 years
Details Fee: 0.000%; Apply: Short-Term Mortgage Application Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
15-Year Conventional Loan	5.875%	-	6.129%	15 years
Details Fee: 1.00%; APR estimated on $400,000 loan amount with 80% loan-to-value; Traditional Mortgage Loan Application Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 5.51% → 6.13% ▲ 0.62 pts · high 6.13% / low 5.51% Oct 5, 20266.13%▲ from 5.80% Sep 25, 20265.80%▲ from 5.51% Sep 14, 20265.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
30-Year Conventional Loan	7.125%	-	7.192%	30 years
Details Fee: 0%; APR estimated on $400,000 loan amount with 80% loan-to-value; Traditional Mortgage Loan Application Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.72% → 7.19% ▲ 0.48 pts · high 7.19% / low 6.72% Oct 5, 20267.19%▲ from 6.96% Sep 17, 20266.96%▲ from 6.72% Sep 14, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC	-	-	7.25%
Details Rate Type: Variable; Estimated monthly payment: Greater of $100 or 1.50% of balance; APR is Annual Percentage Rate; Variable index is U.S. Prime Rate plus a margin; APR will never be greater than 18.00%; Home Equity Line of Credit Rates & Terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details Rate Type: Variable; Estimated monthly payment: Greater of $100 or 1.50% of balance; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.74%	48 months
Details Rate Type: Fixed; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Auto Loan	-	-	4.74%	60 months
Details Rate Type: Fixed; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Auto Loan	-	-	4.99%	72 months
Details Rate Type: Fixed; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Auto Loan	-	-	5.99%	84 months
Details Rate Type: Fixed; 73+ month loans require a minimum loan amount of $20,000 or a vehicle two years old or newer; Published rates include a .25 discount for a Granite CU Spend Account + Automatic Payment; Membership required; New money loans only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Auto Loan	-	-	6.24%	48 Months
Details As Low As; Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Auto Loan	-	-	6.24%	60 Months
Details As Low As; Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Auto Loan	-	-	6.49%	72 Months
Details As Low As; Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Auto Loan	-	-	7.24%	84 Months
Details As Low As; Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum - Low Rate	-	11.49%
Details Published APR range: 11.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 3.00% of balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Visa Card - Business Low Rate	-	13.49%
Details Rate type: Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
VISA Platinum - Rewards	-	13.49%
Details Published APR range: 13.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 3.00% of balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Visa Card - Business Rewards	-	15.49%
Details Rate type: Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 15.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Visa Signature Cashback	-	17.49%
Details Published APR range: 17.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 2.00% of balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.74%	12 months
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Personal Loan	12.74%	36 months
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Personal Loan	12.99%	48 months
Details Rate Type: Variable; Subject to change with changes in variable rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Personal Loan	13.49%	48 months
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Visa Signature Cashback	17.49%
Details Published APR range: 17.49% - 18.00%. Rate Type: Variable; Minimum Payment: Greater of $20 or 2.00% of balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Granite Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 year lot loan	-	-	7.75%	10 years
Details Origination: 1.00%; LTV: 75% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
2nd Mortgage	-	-	5.99%	5 years
Details Rate Type: Fixed; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
2nd Mortgage	-	-	6.49%	7 years
Details Rate Type: Fixed; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
2nd Mortgage	-	-	6.99%	10 years
Details Rate Type: Fixed; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
2nd Mortgage	-	-	7.49%	12 years
Details Rate Type: Fixed; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
2nd Mortgage	-	-	7.49%	15 years
Details Rate Type: Fixed; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
30/2 balloon lot loan	-	-	7.25%
Details Origination: 1.00%; LTV: 80% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
30/5 balloon lot loan	-	-	7.25%
Details Origination: 1.00%; LTV: 80% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Adventure Loan	-	-	8.99%	72 months
Details Rate Type: Fixed; 72 month term maximum on non-street motorcycles and ATV's Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Adventure Loan	-	-	8.99%	84 months
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Adventure Loan	-	-	8.99%	120 months
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Adventure Loan	-	-	8.99%	144 months
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Construction & Lot Loan	-	-	6.527%	up to 12 months
Details Origination: 1.00%; LTV: 80% Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 6.53% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Construction & Lot Loan	-	-	7.25%	30/5 balloon
Details 30/5 balloon lot loan; Origination: 1.00%; LTV: 80% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Construction & Lot Loan	-	-	7.25%	30/2 balloon
Details 30/2 balloon lot loan; Origination: 1.00%; LTV: 80% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Construction & Lot Loan	-	-	7.75%	10-year
Details 10-year lot loan; Origination: 1.00%; LTV: 75% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Construction < 12 months Loan	-	-	6.527%
Details Origination: 1.00%; LTV: 80% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Second Mortgage Loan	-	-	5.99%	5 years
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Second Mortgage Loan	-	-	6.49%	7 years
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Second Mortgage Loan	-	-	6.99%	10 years
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Second Mortgage Loan	-	-	7.49%	12 years
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Second Mortgage Loan	-	-	7.49%	15 years
Details Rate Type: Fixed Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Savings Certificates	3.735%	-	3.80%	up to 12 months
Details Penalties imposed for early withdrawals Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 3.80% ▼ 0.20 pts · high 4.00% / low 3.80% Oct 13, 20263.80%▼ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Simplified Employee Pension	0.20%	-	0.20%
Min Balance $25 Details Type: SEP; Min Balance: $25.00; Monthly Fee: Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Simplified Employee Pension	0.20%	-	0.20%
Min Balance $5,000 Details Type: SEP; Min Balance: $5,000.00; Monthly Fee: Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Business Simplified Employee Pension	0.25%	-	0.25%
Min Balance $20,000 Details Type: SEP; Min Balance: $20,000.00; Monthly Fee: Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
First-Step & Home Buyer Certificate Savings Account	3.687%	-	3.75%	60+ months
Min Balance $25 Details Balance: $25 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Homebuyer (6 months)	4.169%	-	4.25%	6 months
Min Balance $25 Details Homebuyer program Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
IRA	0.20%	-	0.20%
Min Balance $0 Details Balance: $0.01 tier; All deposit rates are variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
IRA	0.20%	-	0.20%
Min Balance $5,000 Details Balance: $5,000 tier; All deposit rates are variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
IRA	0.25%	-	0.25%
Min Balance $20,000 Details Balance: $20,000 tier; All deposit rates are variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Regular & IRA Certificate Savings Account	3.687%	-	3.75%	60+ months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Granite Federal Credit Union’s Texas Ratio rose from 2.85% in Q3 2023 to 3.94% in Q2 2026, so its financial health has stayed 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$918M	3.94%	5.0	A+
March 31, 2026	$917M	3.02%	5.0	A+
December 31, 2025	$907M	4.63%	5.0	A+
September 30, 2025	$914M	2.69%	5.0	A+
June 30, 2025	$901M	3.63%	5.0	A+
March 31, 2025	$896M	2.66%	5.0	A+
December 31, 2024	$841M	3.47%	5.0	A+
September 30, 2024	$859M	3.04%	5.0	A+
June 30, 2024	$819M	2.67%	5.0	A+
March 31, 2024	$819M	1.97%	5.0	A+
December 31, 2023	$804M	2.76%	5.0	A+
September 30, 2023	$789M	2.85%	5.0	A+

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 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 & Overview

Credit Union Name Granite Federal Credit Union

Website https://www.granite.org

Address 3675 S 900 E, Salt Lake City, UT 84106

Phone 801-288-3000

Fax 801-288-3051

President Paul Edmunds

CEO Mark Young

Full-Time Employees 148

Part-Time Employees 5

Branch Locations 13

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.94%

Return on Assets (ROA)

0.2524%

Return on Equity (ROE)

2.5126%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

918,364,710

Total Amount of Shares and Deposits

766,217,538

Total Shares and Deposits < 1 Year

710,491,288

Total Shares and Deposits 1 3 Years

46,145,758

Total Shares and Deposits > 3 Years

9,580,492

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

56,637,509

Total Uninsured Shares and Deposits > $250K (F+J)

56,637,509

Total Insured Shares and Deposits > $250K (item 17 less item K)

709,580,029

Total Interest Expense (Sum of items 6 8)

10,031,703

Share Certificates

9,617

Number of Accounts for Share Drafts

26,563

IRA KEOGH Accounts

1,227

Number of Accounts for Regular Shares

57,756

All other shares

200

Non Member Deposits

Money Market Shares

5,607

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)

61,947,081

Total Liabilities

831,156,647

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Granite Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Granite Federal Credit Union

How many branches does Granite Federal Credit Union operate?

Granite 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 Granite Federal Credit Union?

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

Does Granite Federal Credit Union offer online and mobile banking?

Most modern institutions like Granite 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.granite.org.

Current Granite Federal Credit Union Rates

12-Month CD3.80%
18-Month CD4.05%
24-Month CD3.75%
60-Month CD3.75%
Savings5.00%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Granite Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Granite Federal Credit Union Texas Ratio

Granite Federal Credit Union Health Trend

Granite Federal Credit Union CD Rates

Granite Federal Credit Union Business CD Rates

Granite Federal Credit Union Savings Rates

Granite Federal Credit Union Business Savings Rates

Granite Federal Credit Union Money Market Rates

Granite Federal Credit Union Business Money Market Rates

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Granite Federal Credit Union Home Equity & HELOC

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Frequently Asked Questions About Granite Federal Credit Union

How many branches does Granite Federal Credit Union operate?

Is a member application needed to join Granite Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Granite Federal Credit Union offer online and mobile banking?

Current Granite Federal Credit Union Rates

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