PERSONAL ACCOUNTS
LOANS AND CREDIT
REAL ESTATE LOANS
SERVICES
Female hiker with backpack sitting on a boulder at the top Antelope Island at sunset
Personal Accounts to make every day count - header
Loans & Credit to climb new peaks - header
Real Estate Loans to make it feel like home - header
Services to simplify - header

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Make the most of your hard work with a savings account that grows along with your dreams of vacations in distant lands.

Type
APY*Div Rate
Shares/Savings.10%.10%
Secondary Shares.10%.10%

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Sitting on the beach or at the lake are two nice places to pay your bills on your mobile phone.

FREE MOBILE  PAY | FREE BILL PAY | NO MONTHLY FEE

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Now is a a good time to give the kids some chores, pay them an allowance and open a Youth Savings Account.

FEDERALLY INSURED | NO MINIMUMS | NO FEES

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A great place to park some money while you save for your next adventure.

EARN MONEY MARKET RATES | FEDERALLY INSURED | LIQUID | NO PENALTIES FOR WITHDRAWAL

MMA Min BalanceAPYDiv Rate
$25.10%.10%
$2,500.40%.40%
$10,000.45%.45%
$25,000.55%.55%
$50,000.70%.70%
$100,000.80%.80%
$250,000.90%.90%

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Deposit monthly to your IRA so you can so you can enjoy the view of your good life when you retire.

FEDERALLY INSURED | NO MINIMUMS | NUMEROUS INVESTMENT OPTIONS

IRA Min BalanceAPY*Div Rate
$0.01.20%.20%
$5,000.20%.20%
$20,000
.25%.25%

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Invest "now" in a Savings Certificate to travel "later" to places on your personal bucket list.

FEDERALLY INSURED | NO FEES OR COMMISSIONS  |  HIGH MONEY MARKET RATES

Term
Dividend RateAPY
< 12 months1.83%1.85%
12 months1.93%1.95%
18 months*1.93%1.95%
24 months2.18%2.20%
36 months2.28%2.30%
48 months2.33%2.35%
60 months2.37%2.40%

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Each month you take the money you saved by choosing a "high deductible" insurance plan and save it in your HSA. Now you pay for Health Care with an HSA VISA debit card with pre-tax dollars. It's nice to be so smart.

FEDERALLY INSURED | NO MINIMUMS | NO FEES | INCLUDES VISA DEBIT CARD

HSA Min BalanceAPY*Div Rate
$0.01.20%.20%
$5,000.20%.20%
$20,000
.25%.25%

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Our auto loans focus on getting you into your dream car, so you can focus on making memories. Grab your snacks, roll down the windows, and hit the road!

FIXED | VARIABLE | VANISHING

Loan Term
APR* as low asType
60 Months2.99%Fixed
72 Months2.99%Fixed
84 Months3.99%Fixed
60 Months3.24%Variable
72 Months3.49%Variable
84 Months4.24%Variable

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Our RV loans will help remind you what is most important to you. Your passion, family and friends.

BOATS | MOTORCYCLES | TRAILERS | ATV | JET SKIS | SNOWMOBILES 

Term
APR* as low asType
72 months5.49%Fixed
72 months4.74%Variable
84 months5.99%Fixed
84 months4.74%Variable
120 months6.24%
Fixed
Up to 120 mos.5.49%
Variable

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When your family and friends plan that next cruise to the Caribbean, don't let being a little short on cash stop you. A personal loan is the perfect way to get that "necessary" extra cash and will put you on budget to pay it off quickly.

PERSONAL COMPUTERS | SMART PHONES | EQUIPMENT | TAXES | VACATION | JEWELRY

Rate Type
APR*Type
12 months6.24%Fixed
36 months7.24%Fixed
48 months8.24%Fixed
Up to 48 mos.6.74%Variable
Overdraft L.O.C.18.00%Fixed

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Our VISA Credit Cards are designed to help you build rewards for your next dream vacation or to save on interest allowing you to pay off your balance more quickly. Either way, enjoy the trip!

VISA PLATINUM AWARDS | VISA PLATINUM LOW RATE

Rate Type
APR*Type
VISA Platinum Awards
9.99%Variable
VISA Platinum Low Rate8.49%Variable

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Get the protection you need while driving your new car. Ask a loan officer how to protect yourself.

DEBT PROTECTION | GAP PROTECTION | EXTENDED WARRANTY

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There is an echo as you walk in the front door. Although the space is empty you feel right at home.

15 & 30 YEAR MORTGAGES | FIXED RATE OR ADJUSTABLE RATE | SECONDARY MARKET LOANS | IN-HOUSE MORTGAGES

Type/TermInt. Rate**APR*Orig. Fee
30 yr-Conv.3.75%3.782%0.00%
30 yr-7/1 ARM3.375%3.486%1.00%
30 yr-FHA3.375% 4.125% with PMI0.00%

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You come home and prop your feet up to watch the sunset from your deck.  It's time to unwind. A Granite Mortgage Loan Officer is always there to help you keep your home comfortable and up to date.

5, 7, 10 & 12 YEAR MORTGAGES | FIXED OR ADJUSTABLE RATE | IN-HOUSE LOANS | LOCAL APPROVAL

Short Term Mort- Term
APR*Orig. Fee
5 Years2.59%1.00%
7 Years3.09%1.00%
10 Years3.09%1.00%
12 Years
3.09%1.00%
5 years2.99%0.00%
7 years3.49%0.00%
10 Years3.49%0.00%
12 Years3.49%0.00%

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Cruising up the canyon in your classic red convertible is just too good to be true. Financing it using the equity in your home made it not only possible, but affordable. Granite's full service mortgage team is always there so you can make life happen.

5 - 15 YEAR 2nd MORTGAGES | FIXED OR ADJUSTABLE RATE | IN-HOUSE LOANS | LOCAL APPROVAL

2nd Mortgage Term
APR*
5 Years4.49%
7 Years4.74%
10 Years4.99%
12 Years
5.49%
15 years5.49%

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You come home and prop your feet up to watch the sunset from your deck.  It's time to unwind. The Granite Mortgage Team is always there to help you keep your home comfortable and up to date.

ADJUSTABLE RATE | LINE OF CREDIT | COMES WITH A VISA CARD | IN-HOUSE MORTGAGES | LOCAL APPROVAL

Loan-to-ValueAPR*Open-End/Variable Rate-Max Amount
Up to 100%5.00%$50,000
Up to 80%5.00%$250,000

Effective Date -11/1/2019

Business Loans

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

Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Business Line of Credit

*APR is Annual Percentage Rate. 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.

Business VISA

*APR is Annual Percentage Rate. 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.

Business Credit Card Agreement

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You've worked hard and it's paid off. You've found the property and it's perfect for your dream home. Our Construction Loan Officers are always there to make sure you fulfill your dream.

LOCAL UNDERWRITING | FIXED INTEREST RATE | LOW CLOSING COSTS | 1% ORIGINATION FEE | DRAWS ARE PROCESS IN 48 HOURS

Loan Term
APR* as low asType
<12 months4.00%Fixed

LIVE OFF THE EQUITY IN YOUR HOME | USE YOUR LARGEST ASSET TO ENHANCE YOUR RETIREMENT

You saved and sacrificed your entire life to provide your family with a beautiful home and a good life. Now that you're getting close to your "golden years" a Reverse Mortgage on your largest asset, your home,  can give you the extra cash you need each month to travel to see the sites,  family and friends. You life happen your way with the extra cash.

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Oh the places you will go… Recharge, renew & rejuvenate.

With innovative and easy to use online banking, we’re with you, wherever you go. You focus on you, we’ll focus on taking the worry out of managing your money. You’re never out of reach. Take time for you, unwind, de-stress, re-group. We’ve got you covered. You focus on exploring, we’ll hold down the fort with innovative and easy to use mobile banking.

Sign up for Online Banking Today! 

CHECK YOUR BALANCES | MAKE TRANSFERS AND LOAN PAYMENTS | PAY YOUR BILLS | DEPOSIT CHECKS | FIND THE NEAREST BRANCH OR ATM

Oh the places you will go… Recharge, renew & rejuvenate.

With innovative and easy to use mobile banking, we’re with you, wherever you go. You focus on you, we’ll focus on taking the worry out of managing your money. You’re never out of reach. Take time for you, unwind, de-stress, re-group. We’ve got you covered. You focus on exploring, we’ll hold down the fort with innovative and easy to use mobile banking.

Download our mobile app on the iTunes App Store or the Google Play Store

CHECK YOUR BALANCES | MAKE TRANSFERS AND LOAN PAYMENTS | PAY YOUR BILLS | DEPOSIT CHECKS | FIND THE NEAREST BRANCH OR ATM

Take time to walk the dog...

while your paycheck gets automatically deposited to your credit union the same day you get paid. See a Member Service Representative to find out how easy it is to set up.

GET YOUR MONEY INTO YOUR ACCOUNT ON PAYDAY | NO DELAYS | NO FEES | NO TRIP TO A BRANCH

Wire safely and securely.

For wires without worry. If there's ever a problem, rest assured, that we're always there to track the transaction.

Incoming wire instructions

To: Granite Credit Union

3675 South 900 East
Salt Lake City, UT 84106-1964
Alloya FCU
ABA #271987635
4450 Weaver Pkwy Ste 200
Warrenville, IL 60555-3253

Beneficiary

Granite Credit Union
ABA #324078721
3675 South 900 East
Salt Lake City, UT 84106-1964

Final Credit to

Member's Name
Member's Account #
Any special instructions
(i.e.: savings, money market, checking, loan #)

SENDING MONEY | RECEIVING MONEY

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The link you selected will transfer you to a site operated by one of our associate vendors. This site is not operated by Granite Credit Union and may have different privacy and security policies. If you choose to continue, we encourage you to review these policies once you arrive. Granite is not responsible for the content or activity of this site. Would you like to continue?

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Cetera Advisor Networks, located at Granite Credit Union, is a financial services firm committed to helping our clients improve their long-term financial success. Our customized programs are designed to help grow, protect, and conserve our clients' wealth by delivering an unprecedented level of personalized service and experience. We encourage you to explore our site and learn more about the services we provide.

Paul Neuenswander

Financial Advisor

801-288-3004 | pauln@peakfns.com

 

Securities and advisory services are offered through Cetera Advisor Networks, LLC, {"Cetera"}, a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through Cetera or its licensed affiliates. Granite Credit Union and Granite Investment Services are not registered as a broker-dealer or investment advisor. Registered Representatives of Cetera may use the name Granite Investment Services and may also be employees of Granite Credit Union. Securities and insurance products and services are being offered through Cetera or its affiliates, which are separate entities from, and not affiliates of, Granite Credit Union and/or Granite Investment Services. Registered address: 3675 South 900 East, Millcreek UT 84106
Securities and insurance offered through Cetera or its affiliates are: Not Insured by NCUA or Any Other Government Agency/Not Granite Credit Union Guaranteed/Not Granite Credit Union Deposits or Obligations/May Lose Value.

 

 

Your statement from your phone or laptop.

Your statement is always there, on time and when you need it. No paper. No fuss. Sign up by logging into your account on Online Banking.

SAVE A TREE | GET STATEMENTS QUICKER | GET ORGANIZED | ACCESS ANYTIME FROM ANYWHERE

Schedule your bills to be paid timely...

While enjoying your favorite morning drink, you schedule your bills to be paid for the month on your mobile phone. Relax, enjoy the view and save on postage. Sign up on Online Banking

FREE WITH A CHECKING ACCOUNT | PAY/SCHEDULE BILLS TO ANYONE/ANYWHERE | NO POSTAGE

Use your Granite VISA Card in your Mobile Wallet.

Since you haven't left home without your smart phone in years, setting up Mobile Wallet, allows you to use your VISA even when you leave your card at home. It's safe, secure and we're always there to help.
APPLE PAY | GOOGLE PAY | SAMSUNG PAY

You’re Leaving our Site…

The link you selected will transfer you to a site operated by one of our associate vendors. This site is not operated by Granite Credit Union and may have different privacy and security policies. If you choose to continue, we encourage you to review these policies once you arrive. Granite is not responsible for the content or activity of this site. Would you like to continue?

Continue         Cancel

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Use TruStage to review your coverages.


TruStage™: Insurance the credit union way. Review your coverage and premiums at least annually. 

AUTO AND HOME INSURANCE | LIFE INSURANCE | ACCIDENTAL DEATH AND DISMEMBERMENT

Current Member Perks and Discounts

You can purchase Member Perks and Discounts from any Members Service Representative at any of our offices.

TRAVELERS CHECKS | VISA GIFT CARDS | DISCOUNT TICKETS

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.

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Granite Credit Union is an Equal Housing Lender.

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