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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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Savings

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

Money Market

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%

Saving Certificate

Regular and IRA Savings Certificate Rates

Term
Dividend RateAPY
< 12 months1.83%1.85%
12 months1.93%1.95%
18 months*1.93%1.95%
24 months2.08%2.10%
36 months2.18%2.20%
48 months2.23%2.25%
60 months2.27%2.30%

First Step and Home Buyer Savings Certificate Rates

Term
Div RateAPYMin Balance
12-23 month1.93%1.95%$25*
24-35 month2.08%2.10%$25*
36-47 month2.18%2.20%$25*
48-59 month2.23%2.25%$25*
60-83 month2.27%2.30%$25*
Home Buyer2.08%2.10%$25*
Effective Date 1/10/2020

Individual Retirement Account

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

Health Savings Account

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

Educational Savings Account

APY*Div RateESA-Min Balance
.20%.20%$0.01
.20%.20%$5,000
.25%.25%$20,000
Eff. Date - 6/1/2019
*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded and credited monthly. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). **All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Auto Loans to drive into the sunset - header

Auto Loans

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

Recreational Auto Loans

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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Loans to make life happen - header
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Personal Loans

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

Platinum Visa

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

See the following VISA Disclosures:

VISA Application and Solicitation 

VISA Cardholder Agreement

Real Estate Loans to make it feel like home - header

Traditional Mortgage

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%

Short Term Mortgage

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%

2nd Mortgage

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

Home Equity Line-of-Credit

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

Construction

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

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Business Accounts to manage growth - header
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Business Savings

Type
APY*Div RateMin Balance/Mo. Fee
Business Savings .10%.10%$25/none
Organizational Savings .10%.10%$25/none

Business Certificate

Term
APY*Div Rate
< 12 months1.83%1.85%
12 months1.93%1.95%
18 months*1.93%1.95%
24 months2.08%2.10%
36 months2.18%2.20%
48 months2.23%2.25%
60 months2.27%2.30%
84 months2.27%2.30%
Effective Date 1/10/2020

Business Money Market Savings

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

Business Money Market Checking

MMA Min BalanceAPY*Div RateMonthly Fee
$2,500.40%.40%$10
$10,000.45%.45%$10
$25,000.55%.55%$10
$50,000.70%.70%$10
$100,000.80%.80%$10
$250,000.90%.90%$10

Simplified Employee Pension

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

Business Auto Loan

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

Business Visa Card

Rate Type
APR*Type
Business Low Rate10.49%Variable
Business Rewards
11.99%Variable
See the following VISA Disclosures:

VISA Application and Solicitation 

VISA Cardholder Agreement

Business Equipment Loan

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

Commercial Loan

For current rates please contact our Business Department.

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Construction & Lot Loan

Type/TermRateOriginationLTV
Construction <12 mo4.00%1.00%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%

Secured Line of Credit

For current rates please contact our Business Department.

Contact Us - Business Department
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Line of credit must be secured with Real Estate.

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Effective Date -11/1/2019

Savings Accounts

*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded and credited monthly.

Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Savings Certificates

APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Certificate dividends are compounded and credited monthly. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Penalties may be imposed for early withdrawals. The penalty is 90 days dividends on a term of 12 months or less, 180 days of dividends on terms of more than 12 months but less than 48 months and 365 days of dividends on terms 48 months or more.

*18 month certificates available to Alumni members (age 55+) at the 24 month rate published above.

Other Disclosures

Truth in Savings

Membership Account Agreement

Funds Availability Policy

 

Effective Date -11/1/2019

Personal 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.

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.

Vanishing Loans are available on personal loans only (Not for business vehicles).

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.

Effective Date -11/1/2019

Home Loans

*APR is Annual Percentage Rate. APRs are estimated on a $350,000 loan amount with 80% loan-to-value.
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.

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%

 

Eff. Date - 11/1/2019

Business Savings Accounts

*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded and credited monthly.

Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Savings Certificates

Minimum balance requirements is $500 and applies to the average daily balance (amount of principal in account each day). Penalties may be imposed for early withdrawals. The penalty is 90 days dividends on a term of 12 months or less, 180 days of dividends on terms of more than 12 months but less than 48 months and 365 days of dividends on terms 48 months or more.

Business Membership Agreement

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