PERSONAL ACCOUNTS
AUTO LOANS
PERSONAL LOANS
REAL ESTATE LOANS
BUSINESS ACCOUNTS
BUSINESS LOANS
Personal Accounts to make every day count - header
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Type
APY*Div Rate
Shares/Savings.05%.05%
Secondary Shares.05%.05%

MMA Min BalanceAPYDiv Rate
$0.05%.05%
$2,500.10%.10%
$10,000.15%.15%
$25,000.15%.15%
$50,000.25%.25%
$100,000.30%.30%
$250,000.35%.35%

Regular and IRA Savings Certificate Rates

Term
Dividend RateAPY
< 12 months.35%.35%
12 months.45%.45%
18 months*.50%.50%
24 months.55%.55%
36 months.70%.70%
48 months.80%.80%
60 months.90%.90%

First Step and Home Buyer Savings Certificate Rates

Term
Div RateAPYMin Balance
12-23 month.45%.45%$25*
24-35 month.55%.55%$25*
36-47 month.70%.70%$25*
48-59 month.80%.80%$25*
60 month.90%.90%$25*
Home Buyer.55%.55%$25*
Effective Date 10/01/2020

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

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

APY*Div RateESA-Min Balance
.20%.20%$0.01
.20%.20%$5,000
.25%.25%$20,000
Effective Date 10/01/2020

Auto Loans to drive into the sunset - header

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

60 month loan at 1.99% APR has payment of $17.52 per $1,000 borrowed. 72 month loan at 2.49% APR has payment of $14.97 per $1,000 borrowed. 84 month loan at 3.49% APR has payment of $13.44 per $1,000 borrowed.

Term
APR* as low asType
72 months5.49%Fixed
84 months5.49%Fixed
120 months5.99%
Fixed

72 month loan at 5.49% APR has payment of $16.34 per $1,000 borrowed. 84 month loan at 5.49% APR has payment of $14.37 per $1,000 borrowed. 120 month loan at 5.99% APR has payment of $11.10 per $1,000 borrowed.

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Loans to make life happen - header
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Rate Type
APR*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

12 month loan at 6.24% APR has payment of $86.19 per $1,000 borrowed. 36 month loan at 7.24% APR has payment of $30.99 per $1,000 borrowed. 48 month loan at 8.24% APR has payment of $24.53 per $1,000 borrowed.

Rate Type
APR*Type
VISA Platinum Rewards
8.49%Variable
VISA Platinum Low Rate6.99%Variable

See the following VISA Disclosures:

VISA Application and Solicitation 

VISA Cardholder Agreement

Real Estate Loans to make it feel like home - header

Type/TermInt. Rate**APR*Orig. Fee
30 yr-Conv.3.125%3.169%0.00%
30 yr-7/1 ARM3.00%3.295%1.00%
15 yr- con2.75% 2.821%0.00%

Term
RateOrigination
5 years2.74%0.00%
7 years2.74%0.00%
10 Years2.74%0.00%
12 Years2.99%0.00%

60 month loan at 2.74% APR has payment of $17.85 per $1,000 borrowed. 84 month loan at 2.74% APR has payment of $13.10 per $1,000 borrowed. 120 month loan at 2.74% APR has payment of $9.54 per $1,000 borrowed. 144 month loan at 2.99% APR has payment of $8.27 per $1,000 borrowed.

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

60 month loan at 4.49% APR has payment of $18.64 per $1,000 borrowed. 84 month loan at 4.74% APR has payment of $14.01 per $1,000 borrowed. 120 month loan at 4.99% APR has payment of $10.60 per $1,000 borrowed. 144 month loan at 5.49% APR has payment of $9.50 per $1,000 borrowed. 180 month loan at 5.49% APR has payment of $8.17 per $1,000 borrowed.

Loan-to-ValueAPR*Open-End/Variable Rate-Max Amount
Up to 100%4.00%$50,000
Up to 80%4.00%$250,000

Type/TermRateOriginationLTV
Construction <12 mo3.80%0.80%80%
30/5 Balloon Lot Loan5.00%1.00%80%
30/2 Balloon Lot Loan4.80%1.00%80%
10 Year Lot Loan5.50%1.00%75%

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Business Accounts to manage growth - header
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Type
APY*Div RateMin Balance/Mo. Fee
Business Savings .05%.05%$5/none
Organizational Savings .05%.05%$5/none

Term
APY*Div Rate
< 12 months.35%.35%
12 months.45%.45%
18 months*.50%.50%
24 months.55%.55%
36 months.70%.70%
48 months.80%.80%
60 months.90%.90%
Effective Date 10/01/2020

MMA Min BalanceAPY*Div Rate
$0.05%.05%
$2,500.10%.10%
$10,000.15%.15%
$25,000.15%.15%
$50,000.25%.25%
$100,000.30%.30%
$250,000.35%.35%
Effective Date 10/01/2020

MMA Min BalanceAPY*Div RateMonthly Fee
$0.05%.05%$10
$2,500.10%.10%$10
$10,000.15%.15%$10
$25,000.15%.15%$10
$50,000.25%.25%$10
$100,000.30%.30%$10
$250,000.35%.35%$10
Effective Date 10/01/2020

Type
Min BalanceAPY*Div RateMonthly Fee
SEP$25
.20%.20%None
SEP$5000.20%.20%
None
SEP$20,000
.25%.25%None

Business Loans to pave new paths - header
Loan Term
APR* as low asType
60 Months1.99%Fixed
72 Months2.49%Fixed
84 Months3.49%Fixed
Rate Type
APR*Type
Business Low Rate8.99%Variable
Business Rewards
10.49%Variable
See the following VISA Disclosures:

VISA Application and Solicitation 

VISA Cardholder Agreement

Contact our Business Department for current rates 801-288-3070.

For current rates please contact our Business Department.

Contact Us - Business Department
First and Last Name
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Loan Term
APR* as low asOrigination FeeLTV
<24 months3.80%0.80%80%

For current rates please contact our Business Department.

Contact Us - Business Department
First and Last Name
reCAPTCHA

Line of credit must be secured with Real Estate.

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Effective Date -03/17/2020

Savings Accounts

*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Federally insured by NCUA.

Savings Certificates

*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Penalties may be imposed for early withdrawals. Federally insured by NCUA.

Individual Retirement Accounts

*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Please contact a qualified tax professional for your specific IRA or retirement account needs. Contact a Member Service Representative for details. Federally insured by NCUA.

Other Disclosures

Truth in Savings

Membership Account Agreement

Funds Availability Policy

 

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.

VISA

*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.

Effective Date -03/17/2020

Home Loans

*APR is Annual Percentage Rate. APRs are estimated on a $350,000 loan amount with 80% loan-to-value.
Zero down payment programs available. Call for Current Rates. Your rate may vary based on your credit score. Rates are subject to change based on market conditions and without notice. Contact a Member Service Representative for more information.

HELOC

All loans subject to credit approval and pricing. 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. Rate is variable to a maximum of 18%

*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.

 

Eff. Date - 03/17/2020

Business Savings Accounts

*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Federally insured by NCUA.

Savings Certificates

*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable. Minimum balance requirements apply. Contact a Member Service Representative for details. Penalties may be imposed for early withdrawals. Federally insured by NCUA.

Business Membership Agreement
Truth-in-Savings Business 

Effective Date -12/27/2019

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

Construction & Lot Loans

Interest rates and Annual Percentage Rates (APRs) listed are the lowest offered and are based on approved credit. Rates may be higher according to an applicant's credit history and additional underwriting factors. Ask your loan originator what qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation.

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