Credit union · NCUA insured
Granite State Credit Union CD Rates
Granite State Credit Union’s best CD rate is 4.11% APY on a 13-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How Granite State Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Granite State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Granite State Credit Union
4.11%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $446
Flexible Term Certificates - Term Share
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Granite State Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.71%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo2.27%
- 31–60 months31–60 mo2.78%
- QualifiedQualified4.11%
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 State 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.
Flexible Term Certificates - Term Share
Up to 4.11%APY · 10 terms
Dividends are compounded monthly and credited to account monthly. Certificate rates are subject to change at anytime; however the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsEarly withdrawal penalty: 90 days' dividends for terms of 23 months or less | 1.00% | $50 |
| 7 monthsSpecial! 7 Months! Early withdrawal penalty: 90 days' dividends for terms of 23 months or less | 3.71% | $215 |
| 12–23 monthsEarly withdrawal penalty: 90 days' dividends for terms of 23 months or less | 1.51% | $151 |
| 13 monthsSpecial! 13 Months! Early withdrawal penalty: 90 days' dividends for terms of 23 months or less | 4.11% | $446 |
| 24–35 monthsEarly withdrawal penalty: 180 days' dividends for terms of 24-35 months | 2.27% | $459 |
| 36–47 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater | 2.53% | $778 |
| 48–59 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater | 2.63% | $1,094 |
| 60–71 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater | 2.78% | $1,469 |
| 72–83 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater | 2.78% | $1,788 |
| 84–96 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater | 2.78% | $2,116 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Flexible Term Certificates - IRA
Up to 4.11%APY · 10 terms
Dividends are compounded monthly and credited to account monthly. Certificate rates are subject to change at anytime; however the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Stated withdrawal fee of $30 per withdrawal applies prior to age 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsEarly withdrawal penalty: 90 days' dividends for terms of 23 months or less. IRA withdrawal fee of $30 prior to age 59 1/2 | 1.00% | $50 |
| 7 monthsSpecial! 7 Months! Early withdrawal penalty: 90 days' dividends for terms of 23 months or less. IRA withdrawal fee of $30 prior to age 59 1/2 | 3.71% | $215 |
| 12–23 monthsEarly withdrawal penalty: 90 days' dividends for terms of 23 months or less. IRA withdrawal fee of $30 prior to age 59 1/2 | 1.51% | $151 |
| 13 monthsSpecial! 13 Months! Early withdrawal penalty: 90 days' dividends for terms of 23 months or less. IRA withdrawal fee of $30 prior to age 59 1/2 | 4.11% | $446 |
| 24–35 monthsEarly withdrawal penalty: 180 days' dividends for terms of 24-35 months. IRA withdrawal fee of $30 prior to age 59 1/2 | 2.27% | $459 |
| 36–47 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater. IRA withdrawal fee of $30 prior to age 59 1/2 | 2.53% | $778 |
| 48–59 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater. IRA withdrawal fee of $30 prior to age 59 1/2 | 2.63% | $1,094 |
| 60–71 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater. IRA withdrawal fee of $30 prior to age 59 1/2 | 2.78% | $1,469 |
| 72–83 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater. IRA withdrawal fee of $30 prior to age 59 1/2 | 2.78% | $1,788 |
| 84–96 monthsEarly withdrawal penalty: 270 days' dividends for terms of 36 months or greater. IRA withdrawal fee of $30 prior to age 59 1/2 | 2.78% | $2,116 |
Sources (2)
All captured Oct 3, 2026
Who can join Granite State 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 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.
Membership information collected October 4, 2026.