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You’re insured to at least $250,000.
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Check balances, make transfers and payments, deposit checks, find us.
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Our members have access to thousands of surcharge-free ATMs nationwide.
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Pay others easily and securely.
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f you live, work, worship, or attend school in northern Utah or you have an immediate family member who does, you may be eligible for membership. Simply fill out the online membership application to get started. That goes for businesses too. Once a member, always a member. Even if you move away, we’re always there, and you can keep your accounts and membership with Granite.
Everyone benefits when we work together to improve our community. Unlike banks, when you become a member of Granite Credit Union, you are a shareholder in our community cooperative. That means, with a minimum $5 balance in your Savings Account, you are a part-owner, and you benefit from lower fees, better interest rates, cash back, and more.
What sets us apart from other credit unions in the area is that we offer a full array of financial products and services to members of our community who hold an ITIN. Success works both ways, so as a member of Granite, you know we’re invested in your financial well-being, too.
What you need to open an account:
Valid form of ID
Social Security Number or ITIN
$5 minimum opening deposit
Saving even just a small amount regularly adds up faster than you might think. With options from standard Savings Accounts and dedicated secondary savings to higher-dividend-yielding options such as Money Market Accounts and Savings Certificates, Granite Credit Union has what you need to make life happen. We even have Youth Accounts so your children can get started on healthy financial habits right along with you. Best of all, our full range of savings programs is available through our dedicated ITIN services, allowing everyone in our community to build a secure financial foundation.
Similar to a traditional Checking Account, but without the checks, our Simple Spend Account gives you easy access to your money whenever you need it. It’s a great starter account option helping youth ages 12-18 learn how to budget. If you haven’t been eligible for traditional Checking Accounts or just want to avoid potential fees, Simple Spend is the way to go. This account features:
No checks
No fees
Free Visa Spend (Debit) Card
Free online Bill Pay
Free Online Banking and Mobile App
Pay others instantly with Zelle®
Get cash from thousands of ATMs nationwide
Direct deposit option
Granite has made making safe and affordable access to high-quality financial products and services for all a top priority. In 2022, we were awarded a BankOn National Account Standards certification for our Simple Spend account, designed to help establish and improve the financial stability of unbanked or underbanked individuals. In 2023, we received the Juntos Avanzamos designation for our efforts to reach out to the Hispanic community in the Salt Lake area.
Want to set your account up with direct deposit?
At Granite Credit Union, we do ITIN lending! All of our great loan products are available to ITIN holders. Need a car loan? We’ve got you. Need a home loan? We’ve got all kinds. Ready for an adventure? We’ve got you there. Want to borrow some money for a different expense? We’ve got you covered there too. Check out all our loan options. Apply online, in-branch or over the phone. We’re always there to help.
How to Apply for an ITIN
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service. The IRS issues ITIN’s to individuals who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain, a Social Security number (SSN) from the Social Security Administration. Once you receive your number, our inclusive ITIN services will help you seamlessly integrate into the Utah financial community.
Information for obtaining an ITIN can be found here on the IRS website. Our team is dedicated to providing accessible banking solutions for you as soon as your paperwork is finalized.
W-7 Information
A W-7 is a required document for submitting an ITIN application. Learn more here.
BankOn
Granite has made it a top priority to ensure safe, affordable access to high-quality financial products and services for all. In 2022, we were awarded a BankOn National Account Standards certification for our Simple Spend Account, designed to help establish and improve the financial stability of unbanked or underbanked individuals. In 2023, we received the Juntos Avanzamos designation for our efforts to reach out to the Hispanic community in northern Utah.
