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Welcome to a better way to bank in your community. If you are tired of hidden fees, restrictive minimum balances, and impersonal service from the big banks, you are in the right place. At Granite Credit Union, we believe that managing your money should be straightforward, rewarding, and built around your needs.
Finding a fee-free, rewarding Checking Account shouldn't be a frustrating process. We are proud to offer checking solutions that prioritize complete liquidity, robust digital access, and dedicated, local service right here in West Jordan.
When you open an account with Granite Credit Union, you are more than just a customer—you are a member and a partial owner. This unique structure allows us to return profits directly to you through lower loan rates, fewer fees, and superior banking products.
Big banks often nickel-and-dime their account holders with monthly maintenance fees, effectively charging you just to access your own money. We do things differently. All of our primary checking options—which we proudly call Spend Accounts—feature $0 monthly maintenance fees. Keep more of your hard-earned money right where it belongs: in your wallet.
A Checking Account shouldn't just be a holding tank for your spending money; it should actively work for you. By maintaining a balance in our premium accounts, you can earn competitive dividends. Check out our current rates to see how switching to Granite CU can help you accelerate your financial growth while maintaining everyday access to your cash.
You do not have to sacrifice convenience to bank locally. Our members enjoy the perfect blend of local branch access and global financial technology:
Widespread Access: Enjoy access to thousands of fee-free ATMs nationwide through our CO-OP shared branching network.
Digital Control: Use our intuitive Mobile App to monitor your account, deposit checks remotely, and manage your card via Card Suite Lite.
Seamless Payments: Utilize free online Bill Pay, Apple Pay/Google Wallet integrations, and Zelle® to send money to friends and family instantly.
We understand that every individual's financial journey is different. That is why we offer three distinct Spend Accounts, ensuring you find the perfect fit for your lifestyle.
| Account Type | Monthly Fee | Key Feature | Best For |
|---|---|---|---|
| Dividend+ Spend | $0 | Earns dividends on balances $5,000+ & boosts Money Market rates | Maximizing earnings while spending |
| Basic Spend | $0 | Traditional checking functionality with standard Visa debit | Every day, worry-free banking |
| Simple Spend | $0 | BankOn Certified, Checkless Account with no overdraft fees | Teens (12-18) & fresh financial starts |
This is our ultimate checking solution. Not only do you earn dividends on balances of $5,000 or more, but holding this account unlocks an exclusive bonus dividend rate on your linked Granite Money Market Accounts. It is the smartest way to combine daily liquidity with long-term wealth building.
Designed for the average consumer, this account delivers heavy functionality without the heavy fees. Enjoy unlimited check-writing capabilities, a highly secure Visa debit card, and all the digital tools you need for seamless everyday spending.
Financial inclusion matters to us. This BankOn Certified account is entirely checkless and eliminates overdraft risks, making it the perfect choice for youth learning to budget or adults looking for a clean, secure financial fresh start.
Transitioning away from your old bank is simpler than you might think. Follow these three quick steps to upgrade your financial life:
Start your membership application online in just a few minutes, or stop by our West Jordan branch to have a friendly member advisor walk you through the process.
Once your Spend Account is active, use your new routing and account numbers to redirect your paychecks, government benefits, or tax refunds. Our team can provide you with a simple direct deposit switch form to give to your employer.
Download the Granite CU Mobile App, activate your new Visa debit card, and connect it to your mobile wallet. You are now ready to spend, save, and manage your money with complete freedom.
No! We believe banking should be accessible. There are no minimum balance requirements to open or maintain our Basic Spend or Simple Spend Accounts.
Absolutely. Your funds are federally insured by the National Credit Union Administration (NCUA) for up to $250,000, providing you with the exact same level of security and peace of mind you would find at a traditional bank.
We love seeing our members in person! If you prefer face-to-face assistance or need help choosing the right account, visit us locally. Our dedicated team is ready to welcome you to the Granite Credit Union family.
7671 S 3800 W
West Jordan, UT 84084
For branch hours, ATM availability, or to speak with a representative, please visit our Locations & Hours page or reach out via our Contact Us portal.
Ready to upgrade your banking experience and keep more of your money where it belongs? Do not settle for high fees and low returns any longer. Experience the credit union difference with a financial partner that puts your community and your financial well-being first.
