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 Greater Springfield 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.
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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 14, 2026
Greater Springfield Credit Union's top rates as of October 14, 2026 are 3.66% APY on its Traditional and Roth IRA CD - 12 Month, 0.35% APY on savings, 6.00% on its Conventional Fixed-Rate Mortgage Loan - 10 Year, and personal loans from 8.75% APR, according to rates verified by MonitorBankRates. Other Greater Springfield Credit Union CD rates include Traditional and Roth IRA CD - 6 Month at 3.66%, CD Term 12 month at 3.56%, and CD Term 6 month at 3.56%. Other Greater Springfield Credit Union mortgage rates include Conventional Fixed-Rate Mortgage Loan - 15 Year at 6.25%, Conventional Fixed-Rate Mortgage Loan - 20 Year at 6.62%, and Conventional Fixed-Rate Mortgage Loan - 30 Year at 6.75%. 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 1.12%. Rates last updated and verified on 10/14/2026. 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  Customer Reviews
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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. Greater Springfield Credit Union CD Rates
Greater Springfield Credit Union Savings Rates
Greater Springfield Credit Union Mortgage Rates
Greater Springfield Credit Union Home Equity & HELOC
Greater Springfield Credit Union Auto Loan Rates
Greater Springfield Credit Union RV, Boat and Powersport Loan Rates
Greater Springfield Credit Union Personal Loan Rates
Greater Springfield Credit Union Other Rates
Financial Health HistoryGreater Springfield Credit Union’s Texas Ratio stayed near 1.48% in Q3 2023 to 1.12% 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
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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 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 St.Peter
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
1.12%
Return on Assets (ROA)
0.8942%
Return on Equity (ROE)
4.5306%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
230,293,129
Total Amount of Shares and Deposits
188,474,189
Total Shares and Deposits < 1 Year
176,882,968
Total Shares and Deposits 1 3 Years
7,937,823
Total Shares and Deposits > 3 Years
3,653,398
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,900,543
Total Uninsured Shares and Deposits > $250K (F+J)
22,900,543
Total Insured Shares and Deposits > $250K (item 17 less item K)
165,573,646
Total Interest Expense (Sum of items 6 8)
1,022,280
Share Certificates
949
Number of Accounts for Share Drafts
5,748
IRA KEOGH Accounts
788
Number of Accounts for Regular Shares
11,722
All other shares
1,735
Money Market Shares
261
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)
15,821,353
Total Liabilities
188,100,617
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Greater Springfield Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Greater Springfield Credit Union
Frequently Asked Questions About Greater Springfield Credit UnionHow 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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