Granite Credit Union
Quick Summary
- HSA savings account
The Verdict
Granite Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
On a spring afternoon in May 1935, a group of Granite School District employees met and formed Granite Teachers Credit Union. Their goal was to create a financial cooperative where the members could earn a good return on their savings and borrow at a competitive rate. Granite Credit Union began as an education credit union. Although we have dropped “Teachers” from our name, we continue to have deep roots in education. One of our primary goals is to keep our members informed about all of the options available in the financial marketplace. We hope to help guide you to the products and services that will help you reach your financial goals. We are dedicated to the credit union philosophy of “People Helping People.” Everything we do at Granite Credit Union is done with our members in mind.
Key Features
Banking & Access
Includes debit card.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
Requires $25 minimum balance. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Granite Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $5,000 | 0.20% |
| $5,000 - $20,000 | 0.20% |
| $20,000+ | 0.25% |
Last updated: 01-13-2026
Contact Information
Address
3675 South 900 East Millcreek, Utah, 84106 Customer Service
Customer Service
801-288-3000
3675 South 900 East Millcreek, Utah, 84106 Customer Service
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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