Savings

Statement Savings is an interest bearing savings account that receives a quarterly statement. You must deposit at least $10.00 to open this account.  If the balance falls below $100 during the month a maintenance fee of $1.00 is assessed. Interest is compounded and credited monthly. This account is limited to no more than 6 transfers by phone, internet, debit card, ACH, or other preauthorized means per month. Please refer to the Truth in Savings disclosure for more details.  Please refer to our current rate sheet for the Statement Savings interest rate.  Maintenance fee is waived for customers under age 19.

Christmas & Vacation Club accounts are savings accounts with periodic deposits as low as $5.00 or more made weekly, bi-weekly, or monthly towards a future expenditure. You must deposit at least $5.00 to open this account.  Interest will not be compounded.  Interest will be paid at maturity.  The deposits must be automatic transfers from a Granite Bank checking account. Christmas Club checks will be issued on October 15th of each year and Vacation Club checks will be issued on May 15th of each year regardless of when the account was opened. Please refer to our current rate sheet for the Christmas & Vacation Club interest rates.

Health Savings Accounts (HSA) are tax advantaged medical savings accounts available to taxpayers in the USA who are enrolled in a High Deductible Health Plan (HDHP) and not enrolled in MediCare.  Funds contributed to the HSA may be used for qualified medical expenses at any time without Federal tax liability or penalty. Balances may accumulate and roll over year to year if not used. You must deposit at least $0.01 to open this account.  There is no annual fee for this HSA and complimentary checks and a debit card are issued. Please refer to our current rate sheet for the Health Savings Account interest rate.

Granite Money Market is an interest bearing money market account.  You must deposit at least $10,000 to open this account.  A minimum balance of $10,000 is required to earn interest. There is no monthly service charge and checks are complimentary.  Interest is paid on balances in 3 tiers and is compounded and credited monthly. This account is limited to no more than 6 transfers by phone, internet, debit card, ACH, or other preauthorized means per monthly statement cycle. Please refer to the Truth in Savings disclosure for more details.  Please refer to our current rate sheet for the Granite Money Market interest rates.

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If you have questions or would like additional information please contact a Customer Service Representative at any of our convenient branches.

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