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Advertiser Disclosure
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 Granite State Credit Union Rates & Review October 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 and Verified: October 13, 2026
Granite State Credit Union's top rates as of October 13, 2026 are 4.11% APY on its 13 Month Flexible Term CDs - CD & IRA, 0.45% APY on savings, 2.02% APY on money market accounts, 5.98% on its 10-Year Mortgage Rate Special, and personal loans from 11.51% APR, according to rates verified by MonitorBankRates. Other Granite State Credit Union CD rates include 7 Month Flexible Term CDs - CD & IRA at 3.71%, 48 - 59 Month Flexible Term CDs - CD & IRA at 2.63%, and 36 - 47 Month Flexible Term CDs - CD & IRA at 2.53%. 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 3.25%. Rates last updated and verified on 10/13/2026. 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. 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 State Credit Union CD Rates
Granite State Credit Union Savings Rates
Granite State Credit Union Money Market Rates
Granite State Credit Union Mortgage Rates
Granite State Credit Union Auto Loan Rates
Granite State Credit Union Personal Loan Rates
Financial Health HistoryGranite State Credit Union’s Texas Ratio fell from 5.62% in Q3 2023 to 3.25% in Q2 2026, so its financial health has improved and is now 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; 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. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Michele Plaza
Full-Time Employees
148
Part-Time Employees
10
Branch Locations
10
ATM Locations
8
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.25%
Return on Assets (ROA)
0.5555%
Return on Equity (ROE)
5.6251%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
749,451,322
Total Amount of Shares and Deposits
670,273,506
Total Shares and Deposits < 1 Year
666,351,373
Total Shares and Deposits 1 3 Years
2,556,000
Total Shares and Deposits > 3 Years
1,366,133
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,179,312
Total Uninsured Shares and Deposits > $250K (F+J)
35,179,312
Total Insured Shares and Deposits > $250K (item 17 less item K)
635,094,194
Total Interest Expense (Sum of items 6 8)
3,458,498
Share Certificates
3,674
Number of Accounts for Share Drafts
35,807
IRA KEOGH Accounts
1,079
Number of Accounts for Regular Shares
62,779
Money Market Shares
815
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)
117,351,827
Total Liabilities
675,807,898
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Granite State Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Granite State Credit Union
Frequently Asked Questions About Granite State Credit UnionHow 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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