Credit union · NCUA insured
Granite Credit Union
A $917M credit union headquartered in Salt Lake City, UT, with 40,620 members and 12 branches in Utah. Best rates: CDs 4.25% and savings 0.05% APY.
Granite Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#19 of 43 in Salt Lake City, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Granite Credit Union
Founded in 1935 and federally chartered in 2004, Granite Credit Union is headquartered in Millcreek, Utah.
Originally organized by educators to serve school district teachers, the credit union is governed by an unpaid volunteer board of directors elected by members.
The credit union serves ten counties in Utah, including Salt Lake, Utah, Davis, and Weber counties.
- Headquarters
- 3675 S 900 E, Salt Lake City, UT 84106
- NCUA charter
- 24726
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, worship, work (or regularly conduct business in), attend school, or have businesses and other legal entities in Salt Lake, Box Elder, Weber, Morgan, Davis, Summit, Tooele, Utah, Wasatch, or Juab County in Utah are eligible for membership.
Employers and groups
- Employees of Granite Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
- Volunteers in the community are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership of Granite Credit Union are eligible for membership.
Branches
12 branches in Utah
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Utah
12 branches
Salt Lake City area · 10
- Main OfficeMain office3675 S 900 E, Salt Lake City, UT 84106Directions
- Midvale Branch6799 S 900 E, Midvale, UT 84047Directions
- Riverton Branch12538 S Creek Meadow Rd, Riverton, UT 84065Directions
- Rose Park Rancho140 N 900 W, Salt Lake City, UT 84116Directions
- Sugar House1479 E 2100 S, Salt Lake City, UT 84105Directions
- Sandy Branch9383 S 700 E, Sandy, UT 84070Directions
- South Jordan Branch10507 S Redwood Rd, South Jordan, UT 84095Directions
- Jordan Landing Branch7671 S 3800 W, West Jordan, UT 84084Directions
- Rancho Plaza2470 S Redwood Rd Ste 110, West Valley, UT 84119Directions
- Taylorsville Branch3109 W 4700 S, West Valley City, UT 84129Directions
Ogden area · 2
- Clearfield Rancho Market580 S State St, Clearfield, UT 84015Directions
- Ogden Rancho Markets Office905 26th St, Ogden, UT 84401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.54% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio10.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.54%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Granite Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.