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Rising property values in the Salt Lake County area mean you might have untapped potential sitting right inside your walls. Whether you want to fund a major home renovation, consolidate high-interest debt, or prepare for life milestones, our flexible lending options allow you to access that equity without needing to sell your house or refinance your primary Mortgage. Granite Credit Union is dedicated to helping you achieve your financial goals with products designed around your budget.
Because financial situations are unique, we provide multiple pathways to leverage your property value. You can explore our comprehensive Real Estate Loan options to find the perfect fit for your household needs.
Our traditional revolving credit line is perfect for ongoing projects or having funds available just in case. You benefit from a standard draw period followed by a predictable repayment phase. Plus, you can access your funds with the ultimate convenience of a Visa Credit Card, ensuring you only pay interest on the exact amount you actually use.
Designed specifically for budget-conscious borrowers, this Granite Credit Union-exclusive product helps keep your monthly financial obligations manageable. The LowPay option features a shorter draw period paired with an extended repayment phase, resulting in exceptionally low monthly payments compared to standard alternatives.
If you prefer stability and predictability, a fixed-rate lump-sum loan is an excellent choice. This option locks in your interest rate for the life of the loan, making it ideal for a large, single expense, such as a major home addition, or for consolidating outside debt without touching your primary Mortgage.
Big national banks focus on generating profits for shareholders. As a member-owned cooperative, we focus entirely on you. When you choose us for your borrowing needs, you experience a distinct community advantage:
Competitive Pricing: We return our profits to our members through better pricing. This means you benefit from low closing costs and absolutely no annual fees.
Local Decision Making: Your application is reviewed by local professionals who truly understand the South Jordan real estate market, resulting in faster processing and common-sense approvals.
Generous Borrowing Limits: We offer high loan-to-value limits to maximize your purchasing power and help you tackle your largest goals.
Joining our cooperative is a simple, welcoming process. If you live, work, worship, or attend school in Salt Lake County, you are eligible to become a member. Qualifying for a loan simply requires sufficient property equity, a qualifying credit profile, and a small initial deposit to establish your membership share. Review our complete membership qualifications to see how easy it is to join our financial family.
Stop putting your dreams on hold. Whether you are upgrading your kitchen or taking control of your financial future by consolidating debt, Granite Credit Union is always there to help you make life happen. Start your application from the comfort of your home using our secure online portal.
Need assistance deciding which option is best for your property? Find a convenient branch location to speak with us in person, or reach out to our local support team for personalized guidance.
