Granite State Credit Union Concord NH | Affordable Vehicle Loans & Business Banking

Introduction

At Granite State, we believe in building strong financial foundations for our members and the community. Located at 311 Sheep Davis Rd, Concord, NH 03301, our branch has been serving the local area since 1945. With a commitment to personalized service, we proudly support over 52,000 members, helping them achieve their financial goals with confidence. Our total assets stand at an impressive $698,759,848, reflecting our stability and dedication to your financial well-being. We are here to assist you with everything from checking and savings accounts to auto loans and mortgage financing. With $108,147,705 in deposits and a net worth of $65,015,133, you can trust that your money is safe and sound with us. While members can visit us at our Concord branch, official correspondence should be sent to our mailing address: PO Box 6420, Manchester, NH 3108. Whether you're looking to take out one of our 20,856 loans or simply want to manage your finances more effectively, we're here to help every step of the way. Under the leadership of CEO Denise Barstow and Board President Deborah Vandeberghe, our team of 152 employees is dedicated to providing exceptional service tailored to your needs. We also offer modern conveniences like online banking and mobile payments for ease of access. Feel free to reach out at 603-668-2221 or visit our website at Granite State Credit Union for more information about how we can serve you better. Join us today and experience the difference a committed credit union can make!

Branch History & Mission

Join Us Today!

As we look forward to many more years of service and growth, we invite you to become part of the Granite State family. Experience firsthand how we can assist you in achieving your financial goals while supporting our shared mission of community betterment. Whether you're looking for personal loans or business banking solutions, we're here to help you every step of the way. For more information or to open an account today, call us at 603-668-2221 or visit our website at Granite State Credit Union. Join us on this journey towards financial wellness!

Our Evolution

From modest beginnings, Granite State has evolved into a thriving credit union with a total membership of 52,083 and total assets reaching an impressive $698,759,848. Our journey is marked by significant milestones that reflect our commitment to innovation and service. We understand that the needs of our members change over time, which is why we've embraced digital advancements like online banking and mobile payments to ensure that managing finances is both convenient and secure.

Our Mission

At Granite State, our mission goes beyond just offering financial products; we strive to enhance the lives of those in our community. We provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our commitment extends to being actively involved in community outreach efforts that foster growth and development in Concord and beyond. We are dedicated to maintaining accessibility for all members. With features like ADA compliance, drive-thru banking services, and ATM availability, we ensure everyone can access their funds when they need them most. While members can visit us at 311 Sheep Davis Rd, official correspondence should be sent to PO Box 6420, Manchester, NH 3108.

Branch Location & Accessibility

Convenient Access and Amenities

At Granite State, we prioritize your convenience. Our branch features ample parking and is fully ADA compliant, ensuring that all members can access our services without hassle. Whether you're using our drive-thru for quick transactions or visiting us inside for personalized service, we have you covered. With an ATM available on-site, you can easily withdraw cash or check your balance anytime.

Friendly Hours for Your Busy Schedule

We understand that life can get busy! That's why our lobby hours are designed to fit your schedule. Join us Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. Whether you need to open a new account, apply for a loan, or simply ask a question, our friendly team is here to assist you during these convenient hours. If you need to reach us by phone, don't hesitate to call at 603-668-2221. We're always eager to help!

Visit Us Today!

While members can visit us at 311 Sheep Davis Rd, official correspondence should be sent to PO Box 6420, Manchester, NH 3108. We invite you to come experience the welcoming atmosphere of the Granite State Concord Branch. Your financial well-being is important to us, and we look forward to helping you achieve your goals. Stop by or give us a call today!

Member Eligibility

At Granite State, we're excited to welcome you into our community of members who enjoy personalized financial services and a supportive atmosphere. To become a member, you simply need to meet certain eligibility criteria, which are designed to be inclusive and straightforward. While specific requirements can vary, generally, if you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! We invite you to explore the details further by visiting our eligibility page for the most accurate and updated information. Joining Granite State isn't just about opening an account; it's about becoming part of a family where your financial well-being is our priority. The process is simple: once you confirm your eligibility, you can easily open an account online through this link: https://olb.gscu.org/auth/enrollment. If you have any questions or need assistance during this process, please don't hesitate to reach out to us at (603) 668-2221. We're here to help!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $44 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $7,692,612, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best. Accepting payments seamlessly can enhance customer satisfaction and improve cash flow. It's all about making it easier for you to serve your customers while keeping your operations running smoothly. Visit us at 311 Sheep Davis Rd Concord Nh 03301 in Concord, NH, or call us at (603) 668-2221 to learn how our business banking solutions can empower your enterprise!

Comprehensive List Of Services

Access When You Need It

Need cash? Our ATM services make it easy for you to withdraw money or check balances without stepping inside the branch. Plus, our drive-thru service provides simple transactions like deposits and withdrawals for those on the go. At Granite State, we pride ourselves on being more than just a bank; we are a community partner committed to supporting you every step of the way. If you have questions about any of our services or want to get started today, don't hesitate to reach out! Call us at (603) 668-2221, or visit us at 311 Sheep Davis Rd Concord Nh 03301 during our operating hours from 8:30 AM to 5:00 PM Monday through Friday and 8:30 AM to 12:00 PM on Saturday. Explore all that we have to offer by visiting Concord Branch online at our website. Join us today!

Business Banking Solutions

For small business owners, Granite State provides essential banking services like merchant services and business loans. We understand the challenges of running a business and are here to support you with financial tools that help streamline operations and drive growth.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why our online and mobile banking services allow you to manage your accounts anytime, anywhere. With features such as mobile payments, person-to-person transfers, e-statements, and even electronic signature authentication, we ensure that your banking experience is smooth and efficient.

Helping You Manage Debt

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come in handy. We understand that managing debt can be overwhelming, which is why we aim to provide solutions that simplify the process and help you regain control of your finances.

Personal Banking Made Easy

When it comes to personal banking, we offer various options that cater to your unique lifestyle. You can open checking and savings accounts that fit your financial goals. If you're planning to buy a car, our auto loans and vehicle financing can help make that dream a reality without breaking the bank. For those considering homeownership or refinancing their current mortgage, our mortgage loans provide flexible terms and competitive rates.

Rewarding Credit Options

We also offer credit cards with rewards, allowing you to earn benefits while making everyday purchases. Whether it's cash back on groceries or travel points for your next vacation, our credit card options are designed with you in mind.

Digital & Online Banking

Enhanced Convenience

Need to send money to a friend? With our person-to-person transfer feature, you can quickly and easily send funds without any fuss. If you're out shopping and want to make payments directly from your phone, our mobile payments option makes transactions quick and smooth. With so many tools available through Granite State, managing your money is straightforward and stress-free. We believe in making banking easy for everyone, so whether you're tech-savvy or just starting with online services, you'll find our platform user-friendly and accessible. In summary, at Granite State, we're committed to providing a secure and convenient digital banking experience that fits seamlessly into your lifestyle. Explore all these features today by visiting us at https://www.gscu.org/!

Key Features

With our online banking, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, our mobile application allows you to manage your accounts on the go, making it simple to stay connected with your finances whenever you need to. We prioritize your security. Our electronic signature authorization feature ensures that your transactions are protected while providing a hassle-free experience. You can also enjoy the peace of mind that comes with e-statements; they're not only environmentally friendly but also allow for easy tracking of your financial activities.

Financial Strength

Committed Workforce

We also take pride in having 145 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our dedicated staff is here to assist you every step of the way.

Growing Together

Total Share Accounts: 100,697, showcasing a strong and growing member base that trusts us with their finances. This reflects not only our stability but also the confidence our members place in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Granite State is your trusted partner. Visit us at 311 Sheep Davis Rd Concord Nh 03301 or call (603) 668-2221 to learn more about how we can help you achieve your financial goals.

Lending Support

Our capacity to lend is robust with $8,276 in used auto loans and $488,762,761 in total loans and leases. This means we have the resources available to help you achieve your dreams whether it's purchasing a new vehicle or managing personal expenses.

Member-Focused Savings

Members' savings are secured through $143,307,638 in share certificates and $53,627,653 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Our Future

With $64,211,133 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach strengthens our ability to support your financial goals.

Solid Foundation

With a net worth of $65,015,133, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.29% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $120,022,008 in used vehicle loans and $21,812,781 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, we have financing options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $7,692,612 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your growth ambitions with tailored financing solutions. If you're interested in refinancing any of these options, our team can help guide you through eligibility options that may work for you. For more information about our loan products or to discuss your specific needs, please don't hesitate to reach out. You can contact us at (603) 668-2221 or visit us at our branch located at 311 Sheep Davis Rd Concord Nh 03301 in Concord, NH. We're here to assist you! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $85,195,211, make buying or refinancing simple. We offer competitive rates and flexible terms to help you navigate the process of securing a home loan.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also provide flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option is perfect for those who need quick access to funds without collateral.

Loan Aggregator

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GRANITE STATE CREDIT UNION - Concord, NH

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