Small Business Checking

Business customer uses online checking account.

Banking for the self-employed

  • No account opening or maintenance fees
  • Pay bills, make deposits and transfer funds online
  • Human-powered support
  • Simple, safe, secure
Open Now Learn More

Compare our high-yield savings products

Savings Account

Make the most of your money
2.30%APY 2

Features

  • Earn x the National Average3
  • Interest compounded daily
  • No minimum balance requirements
Open Now Account Details

Certificate of Deposit

Lock in your rate for predictable returns
  • 6 Mo.
  • 1 Year
  • 18 Mo.
  • 2 Year
  • 3 Year
  • 4 Year
  • 5 Year
6 Month CD
2.75%APY 4
Open Now Account Details
1 Year CD
3.50%APY 4
Open Now Account Details
18 Month CD
3.50%APY 4
Open Now Account Details
2 Year CD
3.50%APY 4
Open Now Account Details
3 Year CD
2.00%APY 4
Open Now Account Details
4 Year CD
2.00%APY 4
Open Now Account Details
5 Year CD
2.00%APY 4
Open Now Account Details

Convenient digital access, superior customer support

Service

Service

Our North Carolina-based customer success team is dedicated to providing you personalized support.

FDIC insurance

FDIC insurance1

Funds deposited with Grandcrest Credit Union are insured up to the maximum allowed by law, which is currently $250,000.

Learn why FDIC insurance matters.

No maintenance fees

No maintenance fees

Our accounts have no online banking or monthly maintenance fees.

Online account opening

Online account opening

Open and manage your account without leaving your house. Download our mobile app to access your account on the go.

Download for iOS Download for Android

JOIN THOUSANDS OF HAPPY CUSTOMERS

Couldn’t be any easier from typing in info, linking accounts and adding my wife as co-owner. Outstanding rates, solid ratings and great service. I am a fan.

I’ve opened many online accounts, mostly CDs, and Grandcrest Credit Union is BY FAR the easiest. The few times that I’ve had questions their agents were nice, friendly, and knowledgeable. For me, where they stand out the most is if you want to open more than one account. Which includes rolling over CDs. Their process is streamlined and instant.

Over the past 2 years, Grandcrest Credit Union has remained competitive with their interest rates – sometimes tops sometimes not, but reasonable. As a result, I don’t have to worry about continuously monitoring and chasing rates – saving me time and stress that I had when utilizing other online banks.

Opened a savings account 6 months ago and I am more than pleased.

The whole experience has been flawless. I have not needed to speak with anyone at Grandcrest Credit Union while depositing, transferring, or withdrawing funds! Also, they notify me monthly on the first when interest is added to the account.

This Bank Understands The Real World

Easy, seamless application process. These guys are in touch with reality. No complicated pointless BS.

Good bank

Couldn’t be any easier from typing in info, linking accts and adding my wife as co-owner. Outstanding rates, solid ratings and great service. I am a fan.

Easy Process.

I followed the online process to open and fund a one year CD last week and every step was very clear. I called by phone once to make certain that everything was in order and their representative “Abby” was very knowledgeable, professional, and personable and my account was quickly funded. Easy Peasy.

1. Grandcrest Credit Union is a member of the Federal Deposit Insurance Corporation (FDIC). As a Grandcrest Credit Union customer, your Grandcrest Credit Union deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.

2. Grandcrest Credit Union Savings Annual Percentage Yield (APY) is valid as of . No minimum opening balance or deposit required to open. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but customers must have a balance of $0.01 to earn interest. You may make up to 6 withdrawals from your Grandcrest Credit Union Savings account per statement cycle, including preauthorized, automatic and telephone transfers. Fees may reduce earnings. APY may change at any time before or after account is open.

3. National savings average rate courtesy of the FDIC’s Weekly National Rates and Rate Caps, as of ; average rate used is for deposits under $2,500.

4. Grandcrest Credit Union Certificate of Deposit Annual Percentage Yield (APY) is valid as of and subject to change at any time without prior notice. The minimum deposit required to open an account is $2,500 and the maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.

See Disclosures for details.

You are about to leave the Grandcrest Credit Union website.

Disclaimer: This link will take you to a website outside of the Grandcrest Credit Union site. The new site may offer a different privacy policy and level of security. Grandcrest Credit Union is not responsible for the products or services that are offered or expressed on other websites.

Yes, I understand. Please continue.