Granite State Credit Union Manchester NH

Introduction

Welcome to Granite State, your trusted partner in financial well-being located at 1415 Elm St, Manchester, NH 03101. Established in 1945, we have proudly served our community for decades, growing to a vibrant membership of over 52,000 individuals who rely on us for their banking needs. At Granite State, we understand that each member's journey is unique. That's why we offer a range of services designed to meet your personal and business financial goals. With total assets exceeding $698 million and deposits totaling $108 million, we are well-equipped to provide the support you need. Our commitment to responsible lending is evident with a total loan portfolio of 20,856 loans, reflecting our dedication to helping our members achieve their dreams. While members can visit us at 1415 Elm St, official correspondence should be sent to our mailing address: PO Box 6420, Manchester, NH 3108. We also have a strong foundation built on sound financial management with a net worth of $65 million and cash reserves of $7.9 million readily available for member services. Our leadership team, led by CEO Denise Barstow and Board President Deborah Vandeberghe, is committed to ensuring that Granite State remains a safe and welcoming place for all members. Together, they steer the credit union with transparency and integrity, fostering an environment where members feel valued and heard. We invite you to discover more about our offerings by visiting our website at Granite State. Whether you're looking for a new savings account or exploring loan options, our friendly staff is ready to assist you. Feel free to reach out via phone at 603-668-2221 during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. Join us in building a brighter financial future together!

Branch History & Mission

Granite State has been a cornerstone of the Manchester community since it first opened its doors in 1945. Over the decades, we have grown alongside our members, evolving from a small credit union to a trusted financial partner for over 52,000 members. With total assets now exceeding $698 million, our journey reflects a commitment to providing exceptional financial services while fostering community spirit. Located at 1415 Elm St, Manchester, NH 03101, our branch is not just a place to conduct financial transactions; it's a hub where relationships are built and dreams are nurtured. While members can visit us at this address, official correspondence should be sent to PO Box 6420, Manchester, NH 3108. Our branch is easily accessible for anyone looking to engage with their finances or seeking guidance on achieving their financial goals. At Granite State, our mission is simple yet profound: we strive to empower individuals and families through accessible financial services that promote growth and stability. We believe that everyone deserves a chance at financial success, and we work tirelessly to provide tools that enable our members to thrive. Whether it's through personal loans, auto financing, or assistance with savings plans, we take pride in being there every step of the way. Our commitment extends beyond just banking; we actively participate in community outreach efforts that strengthen local ties and enhance the well-being of those around us. By partnering with local organizations and initiatives, we aim to uplift our community and make a lasting impact. To adapt to changing times and member needs, Granite State embraces digital advancements. Our online banking services allow members to manage their accounts conveniently from anywhere. We also prioritize accessibility with ADA-compliant facilities, ensuring that everyone can engage with us comfortably. As you explore what Granite State has to offer, we invite you to experience firsthand how our dedication translates into exceptional service and support. Join us today and become part of a community-focused credit union where your financial well-being is our top priority. Together, let's build a brighter future! For more information about our services or to open an account online, please visit our website or call us at 603-668-2221 during our lobby hours from 8:30 AM to 5:00 PM on weekdays.

Branch Location & Accessibility

Operating Hours

At Granite State, we value your time. Our lobby hours are designed for your convenience, open Monday through Friday from 8:30 AM to 5:00 PM. Whether you have banking needs during the week or just want to drop by for a chat about your financial goals, we're here for you.

Parking and Accessibility

We strive to make your experience as comfortable as possible. Our branch offers ample parking with easy access for everyone, including ADA-compliant features like ramps for those who need them. Whether you're walking in or parking nearby, you'll find it straightforward to get to us.

Services Offered

Though we don't currently offer ATM services or drive-thru banking at this location, our dedicated staff is ready to assist you with a range of services directly in the branch. From personal banking inquiries to loan consultations, we're committed to helping you every step of the way. If you have any questions or need assistance before your visit, feel free to give us a call at 603-668-2221. We look forward to welcoming you into our Granite State family! Come see how we can help you achieve your financial dreams today!

Member Eligibility

Becoming a member of Granite State is like stepping into a welcoming community that values you. At our branch located at 1415 Elm St Manchester Nh 03101, we invite anyone who lives, works, or worships in the area to join us. Membership is open to individuals and their immediate family members, providing an opportunity for everyone to benefit from our personalized financial services. We pride ourselves on offering a supportive environment where your financial needs are prioritized, whether it's saving for a dream home or managing daily expenses. The process to become a member is simple and straightforward. You can easily open an account online by visiting https://olb.gscu.org/auth/enrollment. If you have questions or need assistance along the way, don't hesitate to give us a call at (603) 668-2221. For detailed eligibility information, check out our resource at . We look forward to welcoming you into the Granite State family!

Business Banking & Commercial Services

Financing Your Growth

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 That Matter

Imagine having a payment system that not only processes transactions but also gives you insights into customer behavior. Our merchant services do just that! They help streamline your payment processes while providing valuable data to improve your service offerings. For instance, when a local café started using our merchant services, they noticed an increase in repeat customers due to targeted promotions made possible through transaction data. Located conveniently at 1415 Elm St Manchester Nh 03101, Manchester, NH, we're here to partner with you on your business journey. Reach out to us at (603) 668-2221 for more information or visit our website at Granite State today!

Comprehensive List Of Services

Access to Funds

While we currently offer ATM services only, this means you can access your cash conveniently whenever necessary. Imagine being out shopping and needing some extra cash our ATMs are designed to be user-friendly, ensuring that you can withdraw funds without any hassle.

Banking Made Easy

Understanding that convenience is key in today's fast-paced world, we offer robust digital banking options. With online banking, you can manage your accounts from anywhere at any time. Need to make a payment? Our mobile payments feature allows you to send money quickly and securely right from your smartphone. Plus, with e-statements, you can easily track your transactions without the clutter of paper statements.

Support When You Need It

At Granite State, our commitment goes beyond just services; it's about building relationships with our members. If you have questions or need assistance, don't hesitate to reach out. You can call us at 603-668-2221 during our lobby hours from 8:30 AM to 5:00 PM on weekdays. Our friendly staff is always ready to assist you with any inquiries or concerns. In summary, at Granite State, we understand that everyone has unique financial needs. We strive to provide solutions that fit your lifestyle while ensuring that accessing those solutions is as convenient as possible. Ready to experience the benefits of membership? Visit us today or check out more about our services online at Granite State. Join us in making your financial goals a reality!

Digital & Online Banking

Key Features

Our members enjoy a range of features that enhance their banking experience. For those who prefer going paperless, we offer E-Statements, which allow you to view your financial statements securely online instead of waiting for them to arrive in the mail. This not only saves time but also helps reduce clutter. Need to send money quickly? Our Person-to-Person Transfers feature lets you send and receive money instantly with just a few clicks. Whether you're splitting a bill with friends or sending a gift, it's simple and fast. Worried about security? We prioritize your safety with Electronic Signature Authorization, ensuring that your transactions are protected. You can bank with peace of mind knowing that we have robust security measures in place. And if you're always on the go, our Mobile Payments feature allows you to make purchases directly from your mobile device. It's a convenient way to manage everyday expenses without the hassle of carrying cash or cards. In today's fast-paced world, having real-time access to your finances is essential. At Granite State, we are committed to making banking easier for you through our advanced digital services while keeping security as our top priority. Start exploring these features today by visiting us at https://www.gscu.org/!

Financial Strength

Commitment to Innovation and Growth

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 commitment allows us to support your financial needs effectively.

Secure Savings for Members

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.

Solid Financial Health

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 $929 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

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 lending capacity supports members' financial goals across various sectors with $8,276 in used auto loans and $488,762,761 in total loans and leases.

Trust Built on Performance

Our performance insights reflect our operational efficiency; with a net income of $0, we're able to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts: 100,697 show a strong and growing member base that trusts us with their finances. 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 1415 Elm St Manchester Nh 03101 or call (603) 668-2221 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

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 are interested in financing a brand-new vehicle or a reliable used car, we have options available that cater to your budget.

Commercial Loans

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans totaling $7,692,612 can help take your business to the next level. We understand the unique challenges faced by small businesses and are committed to providing tailored solutions that fit your specific needs. At Granite State, we prioritize making our loan processes as straightforward as possible. If you're interested in refinancing any of your existing loans or exploring eligibility options for our various loan products, feel free to reach out! Our knowledgeable staff is ready to assist you. To learn more about our loan offerings or to discuss how we can help you reach your financial goals, please give us a call at 603-668-2221. For additional information and resources regarding our services, visit us online at Granite State. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing expenses, we offer total credit lines amounting to $84,576,513. This can be an excellent way to cover unexpected costs or finance larger purchases. Additionally, we also provide flexible terms on unsecured credit card loans; however, currently there are no outstanding unsecured credit card loans offered.

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 provide competitive rates and flexible terms to make your dream of owning a home more attainable.

Loan Aggregator

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Granite State