Credit union · NCUA insured
Granite Credit Union CD Rates
Granite Credit Union’s best CD rate is 4.25% APY on a 22-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Granite Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Granite Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Granite Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- —
- Earns on $10,000
- $793
Double Bump Certificate
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Granite Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Granite Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Double Bump Certificate
4.25%APY · 1 term
Lock in today's rate with a 22-month certificate, plus the flexibility to increase your rate up to two times during the term if rates go up. Each new rate applies for the remainder of the certificate term. No monthly fee. No investment fee. Penalties imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 22 monthsFlexibility to increase your rate up to two times during the term if rates go up. Each new rate applies for the remainder of the certificate term. Dividends compounded and credited monthly based on the daily balance formula | 4.25% | $793 |
Sources (1)
- granite.org/save · captured Oct 4, 2026
Homebuyer Certificate
4.25%APY · 1 term
Monthly automatic deposit of $25 required. Early withdrawal penalty waived where funds from a Homebuyer Certificate are used toward the purchase of a home.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.25% | $210 |
Sources (1)
- granite.org/save · captured Oct 4, 2026
Traditional Savings Certificate
Up to 4.20%APY · 7 terms
No monthly fee. No investment fee. Penalties imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsDividends compounded and credited monthly based on the daily balance formula | 3.80% | $188 |
| 12 monthsDividends compounded and credited monthly based on the daily balance formula | 4.00% | $400 |
| 18 monthsDividends compounded and credited monthly based on the daily balance formula | 4.05% | $614 |
| 24 monthsDividends compounded and credited monthly based on the daily balance formula | 4.20% | $858 |
| 36 monthsDividends compounded and credited monthly based on the daily balance formula | 3.75% | $1,168 |
| 48 monthsDividends compounded and credited monthly based on the daily balance formula | 3.75% | $1,587 |
| 60–Unknown monthsDividends compounded and credited monthly based on the daily balance formula | 3.75% | $2,021 |
Sources (1)
- granite.org/save · captured Oct 4, 2026
Three-Month Penalty Free Certificate
2.00%APY · 1 term
Short-term certificate that allows additional deposits with no early withdrawal penalty. No monthly fee. No investment fee.
| Term | APY · $25 and up | APY · $50,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalties do not apply. Dividends compounded and credited monthly based on the daily balance formula | 2.00% | 2.25% | 2.75% | 3.50% | 2.00%2.25% from $50k2.75% from $100k3.50% from $250k | $50 |
Sources (1)
- granite.org/save · captured Oct 4, 2026
Special-purpose accounts
First-Step Certificate
Up to 4.20%APY · 5 terms
Designed for youth ages 0-17. Set up with an automatic monthly deposit of at least $10. No monthly fee. No investment fee. No minimum opening balance. Penalties imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsA minimum monthly automatic deposit of at least $10 is required. Dividends compounded and credited monthly based on the daily balance formula | 4.00% | $400 |
| 24–35 monthsA minimum monthly automatic deposit of at least $10 is required. Dividends compounded and credited monthly based on the daily balance formula | 4.20% | $858 |
| 36–47 monthsA minimum monthly automatic deposit of at least $10 is required. Dividends compounded and credited monthly based on the daily balance formula | 3.75% | $1,168 |
| 48–59 monthsA minimum monthly automatic deposit of at least $10 is required. Dividends compounded and credited monthly based on the daily balance formula | 3.75% | $1,587 |
| 60–Unknown monthsA minimum monthly automatic deposit of at least $10 is required. Dividends compounded and credited monthly based on the daily balance formula | 3.75% | $2,021 |
IRA Certificate
Up to 4.20%APY · 7 terms
Deposit a lump sum of your savings for retirement. Fixed rates. No monthly fee. No investment fee. Penalties imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsDividends compounded and credited monthly based on the daily balance formula | 3.80% | $188 |
| 12 monthsDividends compounded and credited monthly based on the daily balance formula | 4.00% | $400 |
| 18 monthsDividends compounded and credited monthly based on the daily balance formula | 4.05% | $614 |
| 24 monthsDividends compounded and credited monthly based on the daily balance formula | 4.20% | $858 |
| 36 monthsDividends compounded and credited monthly based on the daily balance formula | 3.75% | $1,168 |
| 48 monthsDividends compounded and credited monthly based on the daily balance formula | 3.75% | $1,587 |
| 60–Unknown monthsDividends compounded and credited monthly based on the daily balance formula | 3.75% | $2,021 |
Sources (1)
- granite.org/save · captured Oct 4, 2026
Who can join Granite Credit Union
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.
Membership information collected October 4, 2026.