Credit union · NCUA insured
Granite State Credit Union
A $754M credit union headquartered in Manchester, NH, with 53,516 members and 8 branches in New Hampshire. Best rates: CDs 4.11% and savings 0.40% APY.
Granite State Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#84 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Granite State Credit Union
Granite State Credit Union is a member-owned, non-profit financial cooperative operating since 1945.
The institution focuses on serving New Hampshire residents and businesses across its eight physical locations.
- Headquarters
- 1415 Elm St, Manchester, NH 03101-1325
- NCUA charter
- 63272
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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in New Hampshire are eligible to join Granite State Credit Union.
Cost to join
- A $10 deposit to establish a savings account is required to become a member and must remain as the minimum balance.
Branches
8 branches in New Hampshire
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New Hampshire
8 branches
Manchester area · 3
- Amherst Branch132 State Route 101A, Amherst, NH 03031Directions
- Manchester Branch1415 Elm St, Manchester, NH 03101Directions
- Nashua - 190 Broad St190 Broad St, Nashua, NH 03063Directions
Boston area · 3
- Candia Branch145 Raymond Rd, Candia, NH 03034Directions
- Derry Branch38 Birch St, Derry, NH 03038Directions
- Rochester Branch7 Two Rod Rd, Rochester, NH 03867Directions
Concord area · 1
- Concord Branch311 Sheep Davis Rd, Concord, NH 03301Directions
Laconia area · 1
- Tilton Branch51 Tilton Rd, Tilton, NH 03276Directions
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 | 9.88% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.49% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.12% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio9.88%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.49%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.12%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.