Credit union · NCUA insured
Granite Credit Union Savings Rates
Granite Credit Union’s best savings rate is 0.05% APY on $10,000, with its Savings. Rates checked October 22, 2026.
How Granite Credit Union’s savings 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
1.25%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $125
Money Market
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
Granite Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 1.25%APY
No monthly fee; no minimum balance to open; dividends compounded and credited monthly based on daily balance formula; deposit rates are variable. 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+.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard rate tier; bonus rate n/a. | 0.05% | $5 | Standard rate tier; bonus rate n/a. |
| $2,500 and upStandard rate tier; bonus rate n/a. | 1.25% | $125 | Standard rate tier; bonus rate n/a. |
| $10,000 and upStandard rate tier; bonus rate n/a. | 1.25% | $125 | Standard rate tier; bonus rate n/a. |
| $25,000 and upBonus rate (+0.55%) with APY of 1.80% for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. | 1.80% | — | Bonus rate (+0.55%) with APY of 1.80% for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. |
| $25,000 and upStandard rate tier without bonus. | 1.25% | — | Standard rate tier without bonus. |
| $50,000 and upBonus rate (+0.85%) with APY of 2.10% for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. | 2.10% | — | Bonus rate (+0.85%) with APY of 2.10% for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. |
| $50,000 and upStandard rate tier without bonus. | 1.25% | — | Standard rate tier without bonus. |
| $100,000 and upBonus rate (+1.25%) with APY of 2.75% (or +1.35% bonus / 2.85% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. | 2.75% | — | Bonus rate (+1.25%) with APY of 2.75% (or +1.35% bonus / 2.85% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. |
| $100,000 and upStandard rate tier without bonus. | 1.50% | — | Standard rate tier without bonus. |
| $250,000 and upBonus rate (+1.50%) with APY of 3.50% (or +1.60% bonus / 3.60% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. | 3.50% | — | Bonus rate (+1.50%) with APY of 3.50% (or +1.60% bonus / 3.60% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. |
| $250,000 and upStandard rate tier without bonus. | 2.00% | — | Standard rate tier without bonus. |
| $500,000 and upBonus rate (+1.65%) with APY of 3.65% (or +1.75% bonus / 3.75% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. | 3.65% | — | Bonus rate (+1.65%) with APY of 3.65% (or +1.75% bonus / 3.75% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. |
| $500,000 and upStandard rate tier without bonus. | 2.00% | — | Standard rate tier without bonus. |
| $1,000,000 and upBonus rate (+1.65%) with APY of 3.90% (or +1.75% bonus / 4.00% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. | 3.90% | — | Bonus rate (+1.65%) with APY of 3.90% (or +1.75% bonus / 4.00% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. |
| $1,000,000 and upStandard rate tier without bonus. | 2.25% | — | Standard rate tier without bonus. |
Always Insured - ICS Money Market
2.25%APY
Available for both consumer and commercial accounts. No monthly fee. $250,000 minimum balance, $25,000,000 maximum balance. Dividends are compounded and credited monthly based on the daily balance formula. All deposit rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250,000 – $25,000,000Available for both consumer and commercial accounts; deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements.$250,000 – $25,000,000 | 2.25% | — | Available for both consumer and commercial accounts; deposits placed in ICS are subject to terms, conditions, and disclosures in applicable agreements. |
Sources (3)
All captured Sep 16, 2026
Savings
0.05%APY
Dividends are compounded and credited monthly based on daily balance formula. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate; dividends compounded and credited monthly based on daily balance formula.Any balance | 0.05% | $5 | Variable rate; dividends compounded and credited monthly based on daily balance formula. |
Secondary Savings
0.05%APY
Dividends are compounded and credited monthly based on daily balance formula. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate; dividends compounded and credited monthly based on daily balance formula.Any balance | 0.05% | $5 | Variable rate; dividends compounded and credited monthly based on daily balance formula. |
Special-purpose accounts
YoungInvestor Savings
Up to 3.00%APY
Available exclusively for members aged 0-26. Dividends compounded and credited monthly based on daily balance formula. All deposit rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier 1 balance <$2,000 (or up to $1,000 on general savings schedule). | 5.00% | — | Tier 1 balance <$2,000 (or up to $1,000 on general savings schedule). |
| $2,000 – $5,000Tier 2 balance $2,000-$5,000. | 4.00% | — | Tier 2 balance $2,000-$5,000. |
| $5,000 – $10,000Tier 3 balance $5,000.01-$10,000. | 3.00% | $300 | Tier 3 balance $5,000.01-$10,000. |
| $10,000 and upTier 4 balance >$10,000. | 0.05% | $5 | Tier 4 balance >$10,000. |
Sources (3)
All captured Oct 4, 2026
HSA
0.20%APY
HSA deposit account. Variable rate; dividends compounded and credited monthly based on daily balance formula. Shares tiered rate table with IRA. NCUA insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Tier balance $0.01+. Variable rate. | 0.20% | $20 | Tier balance $0.01+. Variable rate. |
| $5,000 and upTier balance $5,000+. Variable rate. | 0.20% | $20 | Tier balance $5,000+. Variable rate. |
| $20,000 and upTier balance $20,000+. Variable rate. | 0.25% | — | Tier balance $20,000+. Variable rate. |
IRA Savings
0.20%APY
Dividends are compounded and credited monthly based on daily balance formula. All deposit rates are variable. Traditional, Roth, and SEP accounts share terms.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Tier balance $0.01+ ($25.00 min on SEP schedule). No monthly fee. | 0.20% | $20 | Tier balance $0.01+ ($25.00 min on SEP schedule). No monthly fee. |
| $5,000 and upTier balance $5,000+. No monthly fee. | 0.20% | $20 | Tier balance $5,000+. No monthly fee. |
| $20,000 and upTier balance $20,000+. No monthly fee. | 0.25% | — | Tier balance $20,000+. No monthly fee. |
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.