Rates
Auto Loans
| Product | Rate As Low As | APR* As Low As | Terms |
|---|---|---|---|
| New & Used Auto Loans | 2.38% | 2.59% | Up to 48 Months |
| New Auto Loans | 2.79% | 2.92% | Up to 60 Months |
| Used Auto Loans | 2.89% | 3.03% | Up to 60 Months |
* APR is Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged, if applicable.
Repayment Examples:
For a 36-Month New or Used Vehicle Loan: at 2.56% APR, 36 monthly payments of $28.88 per $1000 borrowed.
For a 60-Month New or Used Vehicle Loan: at 2.92% APR, 60 monthly payments of $17.93 per $1000 borrowed.
Recreational Loans
| Product | Rate As Low As | APR* As Low As |
|---|---|---|
| New RV/Personal Power Craft | 4.45% | 4.49% |
| Used RV/Personal Power Craft | 4.45% | 4.49% |
* APR is Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged, if applicable.
Repayment Examples:
For a 144-month new or used RV loan: at 4.49% APR, 60 monthly payments of $8.99 per $1000 borrowed.
Mortgages
| Terms | Based on a $200,000 Loan | |
|---|---|---|
| Rate As Low As | APR* As Low As | |
| 30-Year Fixed | 3.625% | 3.746% |
| 15-Year Fixed | 2.625% | 2.837% |
*APR = Annual Percentage Rate. The Annual Percentage Rate is the cost of the loan in percentage terms taking into account various loan charges of which interest is only one such charge. Other charges which are used in calculation of the Annual Percentage Rage are Private Mortgage Insurance or FHA Mortgage Insurance Premium (when applicable) and Prepaid Finance Charges (loan discount, origination fees, prepaid interest and other credit costs). The APR is calculated by spreading these charges over the life of the loan which results in a rate higher than the interest rate shown on your Mortgage/Deed of Trust Note. If interest was only the Finance Charge, then the interest rate and the Annual Percentage Rate would be the same.
Repayment Examples:
For 30-Year Fixed Loans: at 3.625%, 360 monthly payments of $4.56 per $1000 borrowed.
For 15-Year Fixed Loans: at 2.625%, 180 monthly payments of $6.73 per $1000 borrowed.
Home Equity
| Product | Term | Call for information (As Low As) |
|---|---|---|
| Home Equity Line of Credit (HELOC) | Up to 300 months** | 4.25% APR* |
| Home Equity Loan | Up to 240 months** | 7.00% APR* |
* APR = Annual Percentage Rate. Loan amount based on equity and credit approval. Base rate based on prime rate as published in the Wall Street Journal, subject to monthly adjustments as the index changes. The floor is indexed to the prime rate and the ceiling is 17.75% APR. The $75 annual fee is waived for the first year. Other terms and conditions apply. Rates, terms and conditions subject to change without notice. Property values determined by appraisers selected and approved by Greater Nevada. Property insurance required. All loans are subject to credit approval.
Repayment Examples:
For Home Equity Loans: at 7.00%, 240 monthly payments of $7.75 per $1000 borrowed.
Personal Loans
| Product | Term | Rate As Low As | APR* As Low As |
|---|---|---|---|
| Personal Line of Credit | Open End | N/A | 11.40% |
| Personal Loan | Up to 60 Months | 9.95% | 10.39% |
* APR is Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged, if applicable.
Business Accounts
| Account | Rate | APY* |
|---|---|---|
| Business Checking | N/A | N/A |
| Business Premium Checking | 0.049% | 0.05% |
| Business Savings | 0.049% | 0.05% |
* APY is Annual Percentage Yield.
We Aspire Checking
| Tier | APY* |
|---|---|
| $0.01 - $10,000 | 2.50% |
| $10,000 + | 0.05% |
| Non-Qualifying | 0.05% |
Qualifying for the high-yield and ATM fee refunds is so easy, you're probably already doing it. Simply do the following each monthly qualification cycle:
* Have at least 15 debit card purchases post and clear per monthly qualification cycle
* Have at least one Direct Deposit post and clear per monthly qualification cycle
* Receive online eStatements
If you don't meet the requirements during one monthly qualification cycle, no rewards will be earned and the service charge will apply. But don't worry! You can get back to earning the rewards the very next monthly qualification cycle.
*APY is Annual Percentage Yield.
Rate tiers are as follows: 2.50% APY applies to balances of $0.01 - $10,000.00 and 0.05% APY applies to balances over $10,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Rates may change at any time after the account is opened. Fees may reduce earnings.
Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.
Membership requirements apply.
Available to personal accounts only.
Savings Accounts
| Account | Minimum Balance | Rate | APY* |
|---|---|---|---|
| Savings Shares | None | 0.049% | 0.05% |
| Christmas Club | None | 0.049% | 0.05% |
| Minor Shares | None | 0.049% | 0.05% |
| Savasaurus Shares | None | 0.049% | 0.05% |
* APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with Greater Nevada Credit Union. All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time.
Money Market
Rates Effective January 1, 2013
| Tier | Rate | APY* |
|---|---|---|
| $0.01 - $2,499.99 | 0.049% | 0.05% |
| $2,500 - $9,999.99 | 0.049% | 0.05% |
| $10,000 - 24,999.99 | 0.149% | 0.15% |
| $25,000 - $49,999.99 | 0.199% | 0.20% |
| $50,000 + | 0.199% | 0.20% |
* APY is Annual Percentage Yield.
Certificate Accounts
Rates Effective May 15, 2013
| Terms | Minimum Balance $1,000 | Minimum Balance $10,000 | Minimum Balance $50,000 | |||
|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 12 Months | 0.049% | 0.05% | 0.099% | 0.10% | 0.099% | 0.10% |
| 18 Months | 0.149% | 0.15% | 0.249% | 0.25% | 0.249% | 0.25% |
| 24 Months | 0.199% | 0.20% | 0.299% | 0.30% | 0.299% | 0.30% |
| 30 Months | 0.249% | 0.25% | 0.349% | 0.35% | 0.349% | 0.35% |
| 36 Months | 0.499% | 0.50% | 0.598% | 0.60% | 0.598% | 0.60% |
| 48 Months | 0.549% | 0.55% | 0.648% | 0.65% | 0.648% | 0.65% |
| 60 Months | 0.648% | 0.65% | 0.747% | 0.75% | 0.747% | 0.75% |
* APY is Annual Percentage Yield. The minimum balance to open a Certificate of Deposit is $1,000. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificate of Deposit earn .25% less than rates disclosed for compounding products. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. The rates quoted above are accurate and effective for the above accounts. Rates subject to change. If you have any questions or need current rate information on your accounts, please call 775-882-2060.
IRA Shares
Rates Effective April 1, 2012
| Tier | Rate | APY* |
|---|---|---|
| 0.049% | 0.05 |
* APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date below. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.
IRA Certificates
Rates Effective May 15, 2013
| Terms | Minimum Balance $1,000 | Minimum Balance $10,000 | Minimum Balance $50,000 | |||
|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 12 Months | 0.049% | 0.05% | 0.099% | 0.10% | 0.099% | 0.10% |
| 18 Months | 0.149% | 0.15% | 0.249% | 0.25% | 0.249% | 0.25% |
| 24 Months | 0.199% | 0.20% | 0.299% | 0.30% | 0.299% | 0.30% |
| 30 Months | 0.249% | 0.25% | 0.349% | 0.35% | 0.349% | 0.35% |
| 36 Months | 0.499% | 0.50% | 0.598% | 0.60% | 0.598% | 0.60% |
| 48 Months | 0.549% | 0.55% | 0.648% | 0.65% | 0.648% | 0.65% |
| 60 Months | 0.648% | 0.65% | 0.747% | 0.75% | 0.747% | 0.75% |
* APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the dates below. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.
IRA Certificates - Special Distribution
Rates Effective May 15, 2013
| Terms | Minimum Balance $1,000 | Minimum Balance $10,000 | Minimum Balance $50,000 | |||
|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 12 Months | 0.049% | 0.05% | 0.049% | 0.05% | 0.049% | 0.05% |
| 18 Months | 0.049% | 0.05% | 0.049% | 0.05% | 0.049% | 0.05% |
| 24 Months | 0.049% | 0.05% | 0.049% | 0.05% | 0.049% | 0.05% |
| 30 Months | 0.049% | 0.05% | 0.099% | 0.10% | 0.099% | 0.10% |
| 36 Months | 0.249% | 0.25% | 0.349% | 0.35% | 0.349% | 0.35% |
| 48 Months | 0.299% | 0.30% | 0.399% | 0.40% | 0.399% | 0.40% |
| 60 Months | 0.399% | 0.40% | 0.499% | 0.50% | 0.499% | 0.50% |
* APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date below. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.
