Savings

Membership begins with your GSCU Savings Account.

We're all saving for something - and we've got plenty of options to help get you there! From high-yield savings to certificates, we want you to pay yourself first! 

Savings & Money Market Accounts

Table data for Compare our Savings & Money Market Accounts
 
Basic Savings Advantage Savings Advantage Plus Savings Money Market Easy Money Market Alert Me
Minimum Deposit to Open $10 $10 $50,000 $2,500 $10,000
Minimum Balance to Earn Dividends $10 $500 $50,000 $10 $10
Earns Dividends Yes Yes Yes Yes Yes
Tiered Dividend Rates No Yes Yes Yes Yes
Free Check Images with eStatements N/A N/A N/A Yes Yes
Free Check Copies via OnLine Banking No No No Yes Yes
Free OnLine Banking Yes Yes Yes Yes Yes
Free Mobile Deposit Yes Yes Yes Yes Yes
Free eStatements Yes Yes Yes Yes Yes
Free Payroll Direct Deposit Yes Yes Yes Yes Yes
Thousands of Shared Credit Union Locations Yes Yes Yes Yes Yes
Free Instant-Issue ATM Card Yes Yes Yes Yes Yes
Surcharge-Free ATMs Yes Yes Yes Yes Yes

Table data for Basic Savings Account Rates
 Effective 12-12-2018
Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$10 $10 .05% .05%
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our Schedule of Fees and Truth in Savings disclosures for further information.

Table data for Advantage Savings Account Rates
 Effective 12-12-2018
Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$10 $500 .05% .05%
$10 $2,500 .10% .10%
$10 $10,000 .10% .10%
$10 $25,000 .15% .15%
$10 $50,000 .20% .20%
$10 $100,000 .30% .30%
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our Schedule of Fees and Truth in Savings disclosures for further information.

Table data for Advantage Plus Savings Account Rates
 Effective 12-12-2018
Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$50,000 $50,000 .45% .45%
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our Schedule of Fees and Truth in Savings disclosures for further information.

Table data for Money Market Account Rates
 Rates effective 12-12-2018
Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$2,500 $2,500 .10% .10%
$2,500 $25,000 .15% .15%
$2,500 $50,000 .20% .20%
$2,500 $100,000 .85% .85%
$2,500 $250,000 1.09% 1.10%
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our Schedule of Fees and Truth in Savings disclosures for further information.

Table data for Easy Money Market Account Rates
 Rates effective 12-12-2018
Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$10,000 $10,000 .30% .30%
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our Schedule of Fees and Truth in Savings disclosures for further information.

IRA & Certificates

Reach a long-term savings goal with IRAs and Certificates! 

IRAs offer tax advantages, Certificates carry flexible terms, and Education Savings Accounts help you pave the way for educational expenses - which is right for you?

Special CD Offers!

Make your money grow! For a limited time, get a special 25-month CD at 3.00% APY.* 

Or, take advantage of our 18-month CD special! Maximize your deposits at Granite State Credit Union!

2 point 1 percent APY for 18 months

Visit a branch today to open your 18-month certificate! 

*Annual percentage yield with a $1,000.00 minimum deposit. APY is accurate as of September 1, 2018. The minimum balance required to open this account is $1,000.00. You must maintain a minimum balance of $500.00 in your account each day to obtain the disclosed APY. Early withdrawal penalties may apply. Other rates and terms are available. Federally insured by NCUA.

Table data for IRA Advantage Savings Rates
 Effective 12-12-2018
Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
$10 $10 .05% .05%
$10 $2,500 .10% .10%
$10 $10,000 .10% .10%
$10 $25,000 .15% .15%
$10 $50,000 .20% .20%
$10 $100,000 .30% .30%
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded monthly and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our Schedule of Fees and Truth in Savings disclosures for more information.

Table data for Flexible Term Certificates - Term Share & IRA
 Rates effective 12-12-2018
Term Deposit Required to Open Account Minimum Required to Earn APY Dividend Rate Annual Percentage Yield (APY) Alert Me
18 MONTH SPECIAL! $1,000 $500 2.10% 2.12%
25 MONTH SPECIAL! $1,000 $500 2.96% 3.00%
6 to 11 Months $1,000 $500 .50% .50%
12 to 23 Months $1,000 $500 .60% .60%
24 to 35 Months $1,000 $500 1.00% 1.00%
36 to 47 Months $1,000 $500 1.24% 1.25%
48 to 59 Months $1,000 $500 1.54% 1.55%
60 to 71 Months $1,000 $500 1.74% 1.75%
72 to 83 Months $1,000 $500 1.74% 1.75%
84 to 96 Months $1,000 $500 1.74% 1.75%
Certificate rates are subject to change at anytime; however the rate will remain in effect for the term of the certificate once opened. Dividends are compounded monthly and will be credited to your account monthly. Withdrawals or fees may reduce the earnings on these accounts. Penalties may be incurred for early withdrawals. Please refer to our Schedule of Fees and Truth in Savings disclosures for more information.

Direct Deposit & Pre-Authorized Payments

Choose to have Payroll, Social Security, and other benefit/pension checks automatically sent to your GSCU Checking Account. You can also arrange to have your account automatically debited to make pre-authorized payments, such as a monthly gym membership, by providing the credit union's routing number and your checking account number to the vendor. You can even build up your savings with Payroll Deduction - start a deduction from your payroll to your savings or checking account!

Savings Secured Loans

Use your existing GSCU savings balance as collateral and borrow against the balance. You'll get a great, low rate and build your credit score and history! 

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