Loan Term
APR* as low asType
48 Months1.99%Fixed
60 Months1.99%Fixed
72 Months2.49%Fixed
84 Months3.24%Fixed

Your car takes you the places you need to be, but life is more than just meeting obligations. You save money and carve out time to enjoy life and have experiences to create lasting memories. An auto loan shouldn’t distract you from those important things in life, so Granite works hard to make getting a loan easy and fast, so you can get on the road and make life happen.

For every 6 months that you make your auto loan payment on-time, we’ll lower the rate. Yep, it’s that easy. You save, just by making your payments on time.

  • No enrollment required
  • Receive a rate discount with every 6 months of on-time payments
  • Rate will not go back up
  • The more you do with Granite the better your rate discount

Ask us how you can earn even more.

We’re excited to announce we’ve teamed up with Carvana, the leading e-commerce platform for buying used cars, to provide you with a simple, affordable and convenient car buying solution.

Through the partner Carvana website you can:

  • Browse certified inventory of over 15,000+ vehicles all with: low mileage, no reported accidents of CarFax, and a 150-point inspection
  • Shop from home: buy online with delivery or pickup available as soon as the next day
  • Get more for less: save valuable time and money by shopping online
  • Buy with confidence: 7-day money back guarantee, 100-day warranty
  • Finance with ease: easily finance a Carvana purchase using our financing

Members and community come first, and our partnership with Carvana is just another example of our daily commitment to giving you the best products and services to meet your needs. We are thrilled with the value, convenience, and transparency Carvana offers, and we can’t wait to help our members take advantage of it.

Carvana Start Shopping Prompt
Recreational Vehicle to make more fun - header

You rode your ATV most of the day. Now you’re laughing and telling stories around the campfire with friends and family. It’s the perfect ending to your day and reminds you of what is really important in life. Knowing you can soon get a comfortable sleep in your new travel trailer only adds to your contentment. With our convenient application process and our rate matching guarantee, our RV loans focus on getting you into the outfit just right for your next adventure. Bring the firewood, hitch up your jet skis and find that perfect spot on the lake! Granite Credit Union is always there so you can make life happen.


  • Always low rates no matter your credit score
  • Terms up to 120 months
  • Finance up to 100%
  • Convenient application – online, in branch or by phone
  • Rate matching


A term up to 120 months may be the best way to get into a boat or travel trailer. Our loan officers can structure a loan just right for you.

APR* as low asType
72 months4.99%Fixed
84 months4.99%Fixed
120 months4.99%
Personal Loan to get things done - header

Rate Type
12 months6.24%Fixed
36 months7.24%Fixed
48 months8.24%Fixed
Up to 48 mos.5.24%Variable
Overdraft L.O.C.18.00%Fixed

Cruising the Caribbean in February with your friends is a nice way to spend part of your winter. Pack your sunscreen, swimming suits and snorkel because you’re going to enjoy the sunshine. Of course, having the money in your savings account is the ideal, but don’t let being a little short on cash stop you.  With Granite’s convenient application process and easy approval, our Personal Loan will get you there. Take your laptop to research the fun things to do and see…and be sure to throw in the flip flops. Granite Credit Union is always there so you can make life happen.


  • Always low rates!
  • Terms up to 48 months
  • Easy approval process
  • Convenient application – online, in branch or by phone


A short term loan may be the best way to get your fun paid off quickly. Our loan officers can help you structure your loan so you’ll be ready for your next adventure.

Visa to have options - header

For the past year you used your Granite VISA for all of your purchases, giving you enough Score Points to travel big this year! You and your spouse are back-packing through Europe, the historical sites are beautiful and the locals are so friendly. When you buy the perfect gift in Switzerland, VISA automatically converts your dollars to Euros at the best exchange rate and you’re already earning points for next year’s adventure. Carry your Granite VISA everywhere you go! Granite Credit Union is always there so you can make it happen.


MobiMoney is a Mobile app that is a convenient way to manage your card and help reduce fraud. MobiMoney enables you to activate and deactivate your card, receive instant alerts on your mobile devices and limit usage bases on location, merchant preferences, transaction type, and threshold amounts.

Download the MobiMoney App today!

itunes MobiMoney app     MobiMoney on Google Play

Rate Type
VISA Platinum Rewards
VISA Platinum Low Rate6.99%Variable
See the  VISA Cardholder Agreement and the  VISA Application and Solicitation Disclosure.


  • No annual fee
  • Earn rewards for gift cards, merchandise, travel and more
  • Earn 1 point for each $1 spent
  • Low-interest rates
  • 25-day grace period on all purchases


  • No annual fee
  • Lowest interest rates
  • 25-day grace period on all purchases
  • No rewards
Loan Protection to ease your mind - header

Life is an adventure and you have to take risks on occasion. Smart borrowers evaluate risks and determine where they need protection. Your loan officer can discuss ways to mitigate risk. Sometimes the peace of mind is worth the additional monthly cost. Discuss ways to protect yourself with a Granite Credit Union Loan Officer.


  • Debt Protection
  • GAP Protection
  • Extended Warranty


Purchasing “Extended Warranty” on your car can protect you from expensive repairs down the road. Talk to a loan officer about the cost and determine which protection may be right for you.

Effective Date -03/17/2020

Auto & Personal Loans

*APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify.

Your rate and terms may vary based on your credit profile and the credit union services you use. Rates and terms are subject to change. No down payment required. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time. Contact a Member Service Representative for more information.


*APR is Annual Percentage Rate. Your rate and terms may vary based on your credit profile. Loans offered on approved credit not all members will qualify. 25-day grace period on purchases. No annual fee. All account terms are governed by the Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time: all terms may change in accordance with the Agreement and applicable laws.

On Variable Rate loans, the index is based on the “U.S. Prime Rate” as listed in the “Money Section of the Wall Street Journal on the third Wednesday of March, June, September, and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%. Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

More information.

Granite Credit Union is an Equal Housing Lender.

More info