Branch Lobby Closures/COVID-19 Update

All GSCU lobbies remain closed. We continue to serve our members at our drive up locations.

Effective May 14, 2020 all drive up locations will close at 5:00pm on Thursdays

Nashua & Seabrook locations do not have a drive up and remain closed

Personal

Our low-rate financing helps you handle whatever comes your way. 

Expenses come up whether you plan for them or not. Whether furnishing a home, getting your finances back on track, GSCU is here to help.

Free Credit Report

Improve your financial health today! Credit plays a large role in assessing your overall financial wellness. You are allowed a free copy once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Obtain your free credit report today! 

 

The cash you need, when you need it.

Our Lifestyle Loan is a personal loan as unique as you!

At GSCU, we recognize that our members are individuals, at many different stages of their lives, and during changing times. A Lifestyle Loan provides the flexibility you need to deal with unexpected circumstances, or opportunities!

  • Manage household expenses
  • Consolidate debt
  • Cover unexpected bills
  • And more!

Apply today!

Apply

Apply Online and receive an answer to your loan request in 60 seconds. Pre-approval is valid for 45 days.*

Call Lending After Hours 24/7 at 1.800.645.4728 to speak to a lending representative.  

*A $95 loan origination fee for consumer loans will be added to the amount borrowed upon closing. Please see important disclosures. 

Rates

Loan Calculator

Table data for Personal Loans (Including Lifestyle Loans, Holiday Wish Loan and Debt Consolidation Loans)
 Rates effective 05-28-2020
Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
8.25% 9.55% Up to 36 months $31.46
8.74% 9.73% Up to 48 months $24.76
9.74% 10.56% Up to 60 months $21.12
10.74% 11.46% Up to 72 months $18.91
11.74% 12.37% Up to 84 months $17.53
Rates and amount financed are determined by your credit history. Rates are subject to change at any time however the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $5,000 plus a $95 origination fee.

Table data for Home Improvement Loan
 Rates effective 05-28-2020
Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
8.74% 8.95% Up to 60 months $20.64
9.74% 9.92% Up to 72 months $18.40
10.74% 10.90% Up to 84 months $16.99
Rates and amount financed are determined by your credit history. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. Must be used for home improvements. Minimum term 60 mos. Maximum term 90 mos. Minimum loan amount $20,000. *Annual Percentage Rate (APR) is based on a loan amount of $20,000 including a $95 origination fee.

Now You Can Sign Your Loan Paperwork from Almost Anywhere!

With DocuSign, all you need is a computer or mobile device to sign electronically for on-the-go convenience. DocuSign - simple, safe, and secure!

How:

We'll email you a link to review your loan documents

Verify your identity and follow the guide to electronically sign! 

Learn more

Certain restrictions apply.

Frequently Asked Questions

  • What is DocuSign?

    DocuSign is a safe and secure way to sign documents from anywhere, anytime, utilizing any device.

  • How do I start using DocuSign?

    Let GSCU know that you're interested in doing your next consumer loan (vehicle or personal) using DocuSign. The process will start with an email from GSCU via DocuSign. 

  • How can I access DocuSign?

    DocuSign is available online on any device (computer, mobile phone, or tablet) through their own application that can be downloaded in the Google Play Store or Apple App Store. 

Refer-A-Loan

When you refer your friends and family you both benefit! 

Refer a NH resident or business owner to GSCU and you both will receive:

  • $25 for Consumer Loans*
  • $50 for Mortgage and Home Equity Loans*

Complete the form and ask the individual you are referring to submit it to GSCU with their application. 

*Offer is available to existing and new members. Loans must be new to GSCU. Minimum Consumer loan balance of $5,000 or more. Applies for all secured and unsecured loans except for those for business purposes. Minimum Mortgage balance of $100,000 and minimum $40,000 Equity loan balance. Excludes Equity lines-of-credit and Overdraft lines-of-credit. Does not apply to commercial or investment properties. Once it is determined that all criteria has been met, the appropriate incentive will be paid to the referrer and referee’s GSCU saving account within 30 days of loan closing. Member responsible for paying all taxes associated with the reward. This credit union federally insured by NCUA. Equal Housing Lender. NMLS#477276

Skip-A-Pay!

We offer Skip-A-Pay to help make our members' lives a little less stressful. Take the Summer Off from your consumer loan payments and use the funds to enjoy a staycation or build up your savings! 

Skip your loan payment today!*

*Granite State Credit Union will withdraw a non-refundable $35 processing fee per month, per loan, from my account. (Total fee is required in advance.) Any GSCU closed-end loan originated 6 months prior to the payment skip date may be eligible. Loan origination term must not exceed 78 months. Overdraft Lines-of-Credit, Home Equity Lines-of-Credit, Home Equity Loans and Mortgage Loans are excluded from this offer. A maximum of three loan payments per loan may be skipped during a 12-calendar month period. Members must have a $10 minimum balance in a GSCU savings account and must not be delinquent on any loan. Authorization form must be received 10 days prior to payment due date. On joint accounts, both signatures are necessary to process this form. I understand that I will be required to make the payment(s) I skipped prior to my final loan payoff and that interest will continue to accrue at the contract rate including the month(s) I have chosen to skip. This payment deferral and the processing fee will result in an extension of the maturity date and will increase the APR and Finance Charges disclosed on the original promissory note. If I elected GAP insurance, I understand that coverage includes up to nine of the following during the life of the lease or loan agreement: past due amounts, skip-a-payment, or delinquent payments. All other terms of the skip-a-payment agreement apply. I understand that if my GSCU loan payment is automatically deducted by ACH, the deduction will automatically cease during the skipped period and automatically resume at the end of the skipped period. All requests are subject to GSCU’s final approval. 

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