Granite Credit Union Salt Lake City UT | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to Granite, your trusted partner in financial success, located at 140 N 900 W, Salt Lake City, UT 84116. Established in 1986, we have proudly served our community for over three decades, building a solid reputation with a membership of 36,253 individuals who trust us to meet their banking needs. With total assets exceeding $859 million and deposits amounting to $53,627,587, we are committed to offering reliable services that empower you to achieve your financial goals. At Granite, we understand the importance of community and personal service. Our dedicated team of 124 employees, led by CEO Mark Young and Board President Donald Johnson, is here to help you navigate through all your banking needs. Whether you're looking for personal banking options like checking accounts and auto loans or business services such as merchant services and business loans, we've got you covered. While members can visit us at our branch address, official correspondence should be sent to the same location: 140 N 900 W, Salt Lake City, UT 84116. We also maintain a cash reserve of $3,832,342, ensuring that your funds are safe and accessible whenever you need them. Our commitment goes beyond just numbers; it's about making a difference in our members' lives. We believe in fostering lasting relationships built on trust and transparency. So if you're ready to experience personalized banking that truly puts you first, don't hesitate to reach out! Call us today at 801-288-3000 or visit our website at Granite.org to learn more about how we can assist you on your financial journey.

Branch History & Mission

Join Us

As we look to the future, we invite you to become part of the Granite family. Experience firsthand how we can help you achieve your financial goals while being an integral part of our vibrant community. Visit us during our operating hours from 9 AM to 6 PM on weekdays and 9 AM to 2 PM on Saturdays closed on Sundays or give us a call at (801) 288-3000. Discover how Granite Credit Union can be your trusted partner in financial success!

Our Journey

In the early years, Granite Credit Union focused on building relationships with our members while offering essential banking services. As we evolved, so did our offerings. Today, we provide a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our commitment to member satisfaction has led us to embrace digital advancements such as online banking and mobile payments, ensuring that our services are accessible wherever our members are. Throughout the years, we've achieved significant milestones that reflect our growth and dedication. With a thriving membership base and solid financial health, Granite continues to focus on what matters most: the well-being of our community. We actively seek partnerships and engage in outreach efforts aimed at supporting local initiatives and charities.

Our Mission

At Granite Credit Union, our mission is clear: we strive to empower our members through financial education and support while fostering a sense of community. We believe that everyone deserves access to quality financial resources. By prioritizing member needs and providing personalized service, we aim to make banking a positive experience for everyone who walks through our doors. We recognize that true success goes beyond numbers; it's about making a difference in people's lives. Whether it's helping a family secure their first home or assisting a small business with financing options, we are here to help every step of the way. While members can visit us at 140 N 900 W Salt Lake City Ut 84116, official correspondence should be sent to 140 N 900 W, Salt Lake City, UT 84116 if it differs.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our branch is easily accessible and situated near popular landmarks, making it a breeze for you to visit us. You'll find us just a stone's throw away from local favorites like the Rose Park Golf Course and the vibrant community center. Parking is ample, so you won't have to worry about finding a spot when you arrive.

Get in Touch

Have questions? Don't hesitate to reach out! You can give us a call at 801-288-3000 for any inquiries or assistance you may need. We invite you to come by and experience firsthand how we can help you achieve your financial goals. We can't wait to see you at Granite!

Operating Hours That Fit Your Schedule

We understand that life can be busy, which is why our operating hours are designed to accommodate your needs. Visit us Monday through Friday from 9 AM to 6 PM, or stop by on Saturday from 9 AM to 2 PM. We're closed on Sundays but look forward to serving you during the week!

Welcoming Environment and Services Offered

At Granite, we pride ourselves on being more than just a bank; we're part of your community. Our location is designed with accessibility in mind, featuring ADA-compliant ramps and facilities to ensure that everyone can access our services comfortably. We offer a variety of personal banking solutions including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and much more. With an ATM available on-site for your convenience, managing your finances has never been easier.

Member Eligibility

At Granite, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and opens the door to a world of financial opportunities tailored just for you. To qualify, you need to meet some basic criteria, such as being a resident of our service area or having a family member who is already a member. We're dedicated to helping you on your journey, so whether you're looking for personal banking services, auto loans, or even business banking solutions, we've got your back. If you're ready to take the next step, opening an account with us is easy! You can start the process online by visiting https://www.mobicint.net/gcu/autoenrollment/start or give us a call at (801) 288-3000 if you have any questions. For more detailed information about eligibility requirements, check out our resource page at http://www.granite.org/membership. We can't wait to welcome you into the Granite family at our branch located at 140 N 900 W Salt Lake City Ut 84116!

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 $184 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $206,377,156, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to process payments quickly and efficiently while managing your cash flow effortlessly. Our merchant services are designed with your day-to-day operations in mind. From credit card processing to online payment solutions, we provide tools that make transactions smooth and straightforward allowing you to focus on what matters most: running your business. Visit us at 140 N 900 W Salt Lake City Ut 84116 in Salt Lake City, UT, or call us at (801) 288-3000 to learn more about how our business banking solutions can support your growth journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need financing for a vehicle, our auto loans are designed to make the process smooth and affordable. Picture driving off in your dream car with a loan that fits your budget, complete with competitive rates and terms that work for you.

Business Banking

For our business members, we provide essential banking solutions including merchant services and business loans. Imagine having the financial backing necessary to grow your business while enjoying personalized service from our dedicated team.

Convenient Access

We know how important it is for you to access your accounts anytime. That's why we offer ATM services for quick cash withdrawals and balance checks without any hassle. With online banking and mobile payments available, managing your finances has never been easier. At Granite, we're not just about transactions; we're about building relationships with our members. We invite you to explore all these services designed with you in mind. For more information or to get started today, give us a call at (801) 288-3000 or visit us online at Rose Park Rancho. Your financial journey begins here!

Credit Cards with Rewards

Looking for a credit card that offers more? Our credit cards come with rewards that let you earn while you spend. Whether it's cash back on groceries or points for travel, enjoy benefits tailored just for you.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. At Granite, we offer mortgage loans that help turn your dream into reality. If you already own a home, consider refinancing with us to take advantage of lower rates or better terms, allowing you to save money over time.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services offer flexible options that fit your lifestyle. Imagine being able to manage your money effortlessly through online and mobile banking. Our tools allow you to check your balance, transfer funds, and even pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, and when it does, personal loans from Granite can provide the support you need. Whether it's for medical bills or home repairs, our loans are there for you. Additionally, if you're juggling multiple debts, our debt consolidation services can simplify your payments into one manageable monthly bill.

Digital & Online Banking

24/7 Access

Enjoy peace of mind knowing that our online banking services are available 24/7. This means you can manage your accounts anytime that fits into your busy schedule. Whether it's early in the morning or late at night, you'll always have control over your finances. At Granite, we're committed to making banking easier for you. Our digital services not only save you time but also give you the tools to take charge of your financial journey confidently. Explore all these features today and experience the future of banking with us!

Key Features of Our Digital Banking

With just a few clicks, you can explore all that our online banking has to offer at https://www.granite.org/. Enjoy the freedom of checking your account balances, transferring funds, and paying bills from anywhere with our user-friendly platform. Plus, with our mobile application available for download, managing your finances is even easier. Security is a top priority for us. We provide electronic signature authorization to help ensure your transactions are safe and secure. You can also receive e-statements whenever you prefer no more waiting for paper statements in the mail! This eco-friendly option allows for quick access to your financial information while keeping everything organized in one place. Need to send money quickly? With our person-to-person transfer feature, you can easily send funds to friends or family without any hassle. And if you're a fan of mobile payments, we've got you covered there too! Our mobile payments feature allows you to make purchases right from your phone.

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 83,673, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $420,660. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Granite is your trusted partner. Visit us at 140 N 900 W Salt Lake City Ut 84116 or call (801) 288-3000 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

With $70,857,986 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $5,578 in used auto loans and $650,174,708 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $329,192,992 in share certificates and $140,283,305 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,289,020, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,803,923 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 117 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $86,265,854, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,003 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 $105,223,669 in used vehicle loans and $31,939,860 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $206,377,156 provide the capital needed to grow and expand your business. Whether you're looking for equipment financing or working capital, we have solutions that can help you succeed. If you're considering refinancing any of these loans or want to learn more about eligibility options available for our products, feel free to reach out. Our team is here to assist you in finding the right loan that meets your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or to start your application today, please call us at 801-288-3000 or visit us online at Granite's Website. We're excited to help you take the next step towards achieving your financial goals!

Credit Options

We also offer flexible terms on unsecured credit card loans, with a total of $7,679,498 in loans helping members manage their finances effectively. This option can be an excellent way to build your credit score while enjoying rewards for your purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $35,052,766, make buying or refinancing simple and straightforward. We guide you through every part of the mortgage process to ensure a smooth experience.

Loan Aggregator

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Ensuring Accurate Comparisons

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Granite