Granite State

manchester, New Hampshire
Last verified: July 10, 2026

As of July 10, 2026, Granite State offers a 30-year-fixed mortgage at 6.524% APR (6.375% rate, 0 points). Auto loans available from 4.39% APR. HELOC rates from 6.5% APR. Personal loan rates from 4.39% APR.

Source: RateAPI.dev, verified from Granite State's official website

Who Can Join Granite State

Membership eligibility from Granite State's own published criteria. How we verify this.

Community charter: live/work in NH

Cost to join: About $10.

Verified from Granite State's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

30-year-fixed
6.524% APR
Rate6.375%
Points0
30 Year Fixed
30-year-fixed
6.990% APR
Rate6.375%
Points0
Low Down Payment 30-Year Fixed
15-year-fixed
5.535% APR
Rate5.375%
Points0
15 Year Fixed
10-year-fixed
4.974% APR
Rate4.750%
Points0
10 Year Fixed
20-year-fixed
6.319% APR
Rate6.125%
Points0
20 Year Fixed
7-1-arm
6.387% APR
Rate5.625%
Points0
7/1 Year Adjustable Rate Mortgage
5-1-arm
6.498% APR
Rate5.500%
Points0
5/1 Year Adjustable Rate Mortgage
3-1-arm
6.671% APR
Rate5.375%
Points0
3/1 Year Adjustable Rate Mortgage
5-1-arm
7.236% APR
Rate6.250%
Points0
No Down Payment 5/1 ARM

Auto Loan Rates

Rates as of July 10, 2026

auto_any
4.390% APR
Rate4.250%
New & Used Boats and RV Loans (2019-2026)
auto_any
4.390% APR
Rate4.250%
New & Used Motorcycles (2019-2026)
auto_any
4.390% APR
Rate4.250%
New & Used Snowmobile, ATV, Personal Watercraft (2019-2026)
auto_new
4.390% APR
Rate4.250%
New Auto Loans (2026 & Newer)
auto_used
4.390% APR
Rate4.250%
Used Auto Loans (2019 & Newer)
auto_used
7.840% APR
Rate7.750%
Used Auto Loans (2018 & Older)
auto_any
9.590% APR
Rate9.500%
New & Used Boats and RV Loans (2018 & Older)
auto_any
9.590% APR
Rate9.500%
New & Used Motorcycles (2018 & Older)
auto_any
9.590% APR
Rate9.500%
New & Used Snowmobile, ATV, Personal Watercraft (2018 & Older)

HELOC Rates

Rates as of July 10, 2026

heloc_variable
6.500% APR
Rate6.500%
10 Year Home Equity Line-of-Credit (Variable)
heloc_variable
6.500% APR
Rate6.500%
15 Year Home Equity Line-of-Credit (Variable)
heloc_fixed
6.500% APR
Rate6.500%
Home Equity Loan Fixed Rate - 10 Years
heloc_fixed
7.000% APR
Rate7.000%
Home Equity Loan Fixed Rate - 15 Years
heloc_fixed
7.500% APR
Rate7.500%
Home Equity Loan Fixed Rate - 20 Years
heloc_fixed
8.250% APR
Rate8.250%
10 Year Home Equity Line-of-Credit (Fixed)
heloc_fixed
8.250% APR
Rate8.250%
15 Year Home Equity Line-of-Credit (Fixed)

Personal Loan Rates

Rates as of July 10, 2026

personal_secured
4.390% APR
Rate4.250%
Other Collateral Loans (2019-2026)
personal_secured
9.840% APR
Rate9.750%
Other Collateral Loans (2018 & Older)
personal_unsecured
11.510% APR
Rate10.990%
Personal Loans Under $30K
personal_unsecured
12.150% APR
Rate11.990%
Personal Loans $30K & Over

Frequently Asked Questions

What rates does Granite State offer?

Granite State currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Granite State rates updated?

RateAPI verifies Granite State's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Granite State's rate data?

Rate data is collected directly from Granite State's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Granite State's mortgage rate?

As of July 10, 2026, Granite State offers a 30-year-fixed mortgage at 6.524% APR.

What is Granite State's auto loan rate?

As of July 10, 2026, Granite State offers auto loans from 4.39% APR.

Related Rate Data

Compare Granite State's rates against national credit-union benchmarks.

More New Hampshire credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Granite State
curl "https://api.rateapi.dev/credit-unions/new-hampshire/granite-state" \
  -H "Authorization: Bearer YOUR_API_KEY"
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