Membership, and your financial future, starts with your GSCU Savings Account.
Start saving for your goals today!
Rainy Day Fund
Holiday Shopping
Taking a Vacation
And more!
To become a member, you will need to deposit a $10 pledge balance to establish your savings account at GSCU. Please see rates for more information.
I love having a savings account that I can check right on my phone. Everyone is so friendly and nice!
- Christopher R.
Pay yourself first with automatic deposits to a GSCU Savings Account each month.
Set up is easy:
Your money, up to two days early, when you use Direct Deposit with GSCU!
Employers often process payroll a few days before payday, and rather than wait until payday to give you access to your funds, Granite State Credit Union empowers you with access to your money sooner. That way you can use those funds for the big stuff you need to cover and the little stuff you don’t want to miss out on!
Take advantage of this early access for funds from your:
Take better control of your bills! 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.
*Pending electronic direct deposits are available up to two business days earlier when GSCU receives the funds via the Automatic Clearing House (ACH) database. GSCU does not assume any liability for funds not depositing into the account early.
You will need to complete an updated membership application. To do so, visit one of our branch locations, give us a call at 1-800-645-4728 or email us at members@gscu.org. Please note, all accountholders are required to sign to add or update beneficiaries.
Any accountholders can call or email and we will send them the membership application to sign and return either by email, fax or US mail.
You will need to provide their name, address, date of birth, and social security number. Providing their phone number and/or email address is also helpful to ensure we get in touch with them if the need arises.
Beneficiaries are not given rights to an account unless all owners have passed away. There is no involvement from them in order to be added. They do not sign, so they do not need to come in. This does mean you can add beneficiaries without them being aware of it and it is your responsibility to inform your beneficiaries. However, a beneficiary being aware does make the process easier and could mean faster disbursal of funds, as it eliminates GSCU trying to locate or contact the beneficiary if made aware of the owner’s passing. It may also eliminate funds sitting if we are unaware that the owner has passed.
If you are unsure who you have named as a beneficiary, reach out to us at a branch location, via phone at 1-800-645-4728, or email at members@gscu.org.
Basic Savings | Advantage Savings | Advantage Plus Savings | Money Market | Easy Money Market | Alert Me | |
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Minimum Deposit to Open | $10 | $10 | $50,000 | $2,500 | $10,000 | |
Minimum Balance to Earn Dividends | $10 | $500 | $50,000 | $2,500 | $10,000 | |
Earns Dividends | Yes | Yes | Yes | Yes | Yes | |
Tiered Dividend Rates | No | Yes | No | Yes | No | |
Free Check Images with eStatements | N/A | N/A | N/A | Yes | Yes | |
Free Check Copies via OnLine Banking | N/A | N/A | N/A | 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 (GSCU or Co-Op ATMs) | Yes | Yes | Yes | Yes | Yes | |
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Deposit Required to Open Account | Minimum Required to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | Alert Me |
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$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 separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
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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 separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
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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 | .15% | .15% | |
$10 | $25,000 | .20% | .20% | |
$10 | $50,000 | .25% | .25% | |
$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 separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
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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 separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
|
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 | .15% | .15% | |
$10 | $25,000 | .20% | .20% | |
$10 | $50,000 | .25% | .25% | |
$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 separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
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