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Always Insured - ICS Money Market
Make sure your funds are always insured regardless of how high your account balance is.
Check balances, make transfers and payments, deposit checks, find us.
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You’re insured to at least $250,000.
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Insurance that puts your needs first so you can help protect your loved ones.
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You are already doing all the hard work by earning money; Granite Credit Union is always there to help you save it. And we’re not just a friendly safe that stores your money; we pay you dividends each month so you can grow your savings even more. Whether it’s short or long-term savings goals, you can count on us to keep your money safe.
But wait, the excitement doesn’t end there. You can have as many secondary shares as you like. That means you can dedicate a savings account for each of your goals. So, you think of how you want to make life happen and Granite will help you save for it.
Use a Secondary Savings Account for whatever life throws at you:
Emergency
Wedding
Mission
Travel
And more
| Account Type | Rate | APY |
|---|---|---|
| Savings | ||
| Secondary Savings | ||
| Free Checking |
*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.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
Earn dividends each month on your monthly balance
Deposit and withdraw anytime using our online app, ATMs, or branches
You’re insured to at least $250,000.00
Automatic transfers & payroll deduction are available to make saving easy
Use our mobile banking app to keep track of your savings account and open a dedicated Secondary Share, all within the comfort of your home.
Imagine getting “free” money for just sitting and watching tv all day. You might not be able to get free money while sitting around, but your Money Market Account can.
Money Market is a great tool to use when you want to grow your savings in a safe place that earns higher dividends than a traditional savings account.
So go ahead, grab your snacks, and continue watching your favorite tv show, knowing that your money is earning market-rate interest just for sitting there.
| Minimum Balance | Rate | APY | *Bonus Rate | *APY w/ Bonus |
|---|---|---|---|---|
| $ | n/a | 0.10% | ||
| $ | *+0.25 | *1.50% | ||
| $ | *+0.25 | *1.50% | ||
| $ | *+1.00 | *2.25% | ||
| $ | *+1.00 | *2.25% | ||
| $ | *+1.75 | *3.25% | ||
| $ | *+2.25 | *4.25% | ||
| $500,000 | 1.982% | 2.00% | *+2.25 | *4.25% |
| $1,000,000 | 2.227% | 2.25% | *+2.40 | *4.65% |
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.
*Dividend+ account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
No monthly fee
No minimum balance to open Money Market
Accessibility to funds
Federally insured
No penalties for withdrawal
Dividend+ Spend Account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+. That means you can earn dividends on your checking account plus even more on your Money Market account.
There’s no need to go through the hassle of opening accounts at different financial institutions to keep your funds insured when you have more than $250,000. With an Always Insured - ICS Money Market, you can deposit the entire sum you want insured with Granite Credit Union up to $25,000,000. Granite does the leg work for you and your entire balance shows in one simple account viewable in online banking and in Granite’s mobile app with one monthly statement. Granite Credit Union is always there so you can… make insuring large balances happen.
Contact a Granite Business Team member to get started.
| Type | APY** | Div. Rate | Min. Balance/ Mo. Fee |
Max. Balance |
|---|---|---|---|---|
| Always Insured - ICS Money Market | 2.960% | 3.00% | $250,000.00/none | $25,000,000.00 |
*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. Deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements. Contact a Business Services Representative for details. Federally insured by NCUA.
Business Truth-in-Savings/Fee Schedule
Business Membership Account Agreement
Funds Availability Policy
No monthly fee
Available for both consumer and commercial accounts
$250,000 minimum balance
$25,000,000 maximum balance
Earn dividends on your monthly balance
What if you had the opportunity to start saving for your retirement as early as possible? Or for that dream vacation that you have always talked about.
Granite Credit Union offers certificates that will help you reach your financial goal at unbeatable rates. It’s a low-risk investment option to help you build wealth faster. Talk to a Member Service Representative about a Savings Certificate.
The longer you keep the money in the certificate, the longer you can stay on your vacation.
Traditional Savings Certificate – Make a one-time deposit that accumulates a higher interest than a traditional savings account for the term that you choose. Once the term is over, you can withdraw your funds or roll them over into a new Savings Certificate.
IRA Certificate – Deposit a lump sum of your savings for retirement at the same great fixed rates as a Traditional Savings Certificate allowing you to accumulate more interest to grow your funds faster.
First-Step Certificate – Designed for youth ages 0-17, this savings certificate is unique in that you can deposit money in it monthly so youth can get a head start on investing and watch their savings grow.
Homebuyer Certificate – We make homebuying easier by allowing monthly contributions to be added as you save for a house. You can withdraw the funds when you’re ready to make a down payment on a home without an early withdrawal penalty.
| Account Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Penalty-Free | $500 | 3.455% | 3.50% |
| 6-11 months | $ | ||
| 9 Month SPECIAL | $500 | 5.128% | 5.25% |
| 12 months | $ | ||
| 18 months | $ | ||
| 24 months | $ | ||
| 36 months | $ | ||
| 48 months | $ | ||
| 60+ months | $ |
*APY is Annual Percentage Yield. Dividends are compounded and credited monthly based on the daily balance formula. Minimum balance requirements apply. A minimum monthly automatic deposit is required for First-Step ($10) and Home-Buyer ($25) Certificates. Additional monthly deposits of up to $10,000 may be made to First-Step and Home-Buyer Certificates. Contact a Member Service Representative for details. Penalties may be imposed for early withdrawals. Early withdraw penalty will be waived where funds from a Home-Buyer Certificate are used toward the purchase of a home. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
| Account Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 12 – 23 months | $ | ||
| 24 – 35 months | $ | ||
| 36 – 47 months | $ | ||
| 48 – 59 months | $ | ||
| 60+ months | $ | ||
| Home Buyer | $ |
*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. A minimum monthly automatic deposit is required for First-Step (at least $10) and Home-Buyer (at least $25) Certificates. Contact a Member Service Representative for details. Penalties may be imposed for early withdrawals. Early withdraw penalty will be waived where funds from a Home-Buyer Certificate are used toward the purchase of a home. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
Conveniently open in online banking
No monthly fee
No investment fee
Terms up to five years
Principal insured to at least $250,000
Penalty for early withdrawal
Consider laddering your savings certificates so you have money maturing every year. e.g., Purchase five $500 savings certificates each maturing every year for the next 5 years rather than one $2,500 certificate maturing in five years. An MSR can help you with this.
Being a wise investor pays off for your future. Start contributing monthly to your IRA and your 401(K). Talk with a Granite Credit Union IRA specialist to open an IRA and begin saving for a good retirement full of happy memories. The sooner you start, the more memories you will make.
| Minimum Balance | Rate | APY |
|---|---|---|
| $ | ||
| $ | ||
| $ |
*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, HSA, ESA or retirement account needs. Contact a Member Service Representative for details. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
Your principal is insured to at least $250,000
Open with just $25
No minimum balance required
After you accumulate $500, invest in an IRA Savings Certificate
After you accumulate $10,000, your investment options are limitless
Imagine how frustrating it can be to pay a lot of money for monthly health insurance premiums only to find out that you still have to pay money out of pocket. We have all been there, done that. At Granite Credit Union, we’re always there to help you prepare for those unexpected expenses.
Invest in a Health Savings Account to make it easier for you to pay your medical bills. By sending a monthly deposit to your HSA with pre-tax dollars, you will be able to use your HSA Visa debit card to pay for any additional expenses that your insurance doesn’t cover.
It’s a smart and necessary way to deal with spiraling health care costs. Talk with a Granite HSA specialist to determine if a Health Savings Account is right for you.
No minimum balance required, open with just $25
Pay your non-insured medical bills with a Visa Debit Card
Your principal is insured to at least $250,000
| Minimum Balance | Rate | APY |
|---|---|---|
| $ | ||
| $ | ||
| $ |
*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, HSA, ESA or retirement account needs. Contact a Member Service Representative for details. Federally insured by NCUA.
Truth-in-Savings/Fee Schedule
Membership Account Agreement
Funds Availability Policy
If you have a high deductible Health Insurance plan, use your Health Savings Account (HSA) to pay for medical and dental bills with pre-taxed dollars. Talk to an HSA specialist or your CPA to see if an HSA is right for you.
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.
Wealth Management
Estate Planning | Risk Management | Asset Allocation | Portfolio Management | Strategic Financial Planning | College Savings Plans
Retirement Planning
401(k), 403b, 457 Rollovers | IRAs | Pension Options | Social Security Planning | Long-term Care
Investments
Mutual Funds | Stocks & Bonds | Fixed & Variable Annuities | Life Insurance | REITs
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.
