Introducing the new GNCU CARDS APP, powered by Visa®, helping protect you from fraud and providing personal money management and debit card tools that fit your life.
With just a few clicks, you can:
- Turn your card on and off
- Restrict online, international and ATM transactions
- Set transaction limits
- Customize card alerts by transaction amount, card not present, ATM withdrawals and more
- Easily find the nearest GNCU branch and use the CO-OP® locator to find shared branches
- Enable location match with your phone for increased security and ensure fewer declines of legitimate transactions when traveling
GET THE FREE GNCU CARDS APP TODAY!
Search “GNCU Cards” on your Apple® or Android™ device to download. Or click here for more information and a full list of features.
From the President
How You Inspire Us to Do Greater
As a member, you’re also an owner of Greater Nevada Credit Union. That means everything we do at GNCU revolves around helping more people – especially you, our member – live greater. So how does the team at GNCU know the best way to serve you? Through your direct feedback.
At GNCU, we receive feedback from members in a variety of ways, including ongoing surveys; emails, letters and phone calls; and conversations we have with members directly. Most importantly, we use our members’ suggestions and ideas to inspire us. Some of our newest offerings, including even more rewarding checking accounts, expanded student loan options, a card manager app and an ever growing network of branches and interactive teller machines are all a result of having the ability to truly understand what our members want and need.
Although we won’t be able to always offer everything every member asks for, I’m pleased to say our most recent member satisfaction survey reports that 98% of members are satisfied with GNCU (with 75% being very satisfied). Specifically, we’ve seen ongoing and growing member satisfaction in the value GNCU provides, as well as the quality of our products and services.
Thank you to everyone who takes the time to share their ideas and feedback. You truly do inspire us as we continuously strive to help you live greater.
President and CEO
Congratulations to the 2019 GNCU scholarship winners!
Greater Nevada’s annual scholarship program is available to all GNCU members and their families. Scholarship winners are selected based on financial need, academic performance, community involvement and educational and professional goals. This year, we received 125 applications and selected 29 winners to receive $2,000 each.
To learn more about the GNCU scholarship program, click here.
GNCU Helps Raise Nearly $23,000 FOR SPECIAL OLYMPICS!
Each year, GNCU takes the plunge – the Polar Plunge! This year, we’re proud to say we helped raise nearly $23,000 for Special Olympics Nevada during the events held in South Lake Tahoe (in which 100 GNCU employees took part), Elko and Las Vegas.
Thank you to everyone who helps support our local SONV athletes. Watch for more opportunities to get involved on our Community Involvement page.
STATE-OF-THE-ART Technology for a GREATER EXPERIENCE
You may have noticed a new type of ATM popping up at your local GNCU branch. Using these Interactive Teller Machines (ITMs), you can complete a transaction on your own or get help from a video member service representative (VMSR) through secure videoconferencing.
Did you know?
- You don’t even need your debit card when talking with a VMSR – just have your driver’s license ready.
- You can transfer funds, make loan payments, deposit cash and checks, even make withdrawals or cash checks up to $1,500. Plus, your withdrawal can be in $50, $20, $5 or $1 bills.
- VMSRs can help update your address and phone number, order debit cards and checks and unlock online banking from an ITM.
- VMSRs are available during extended hours from 7 a.m. to 7 p.m. Monday through Friday and 9 a.m. to 5 p.m. on Saturdays.
Click here to find an ITM near you.
Eight out of 10 American adults say they would benefit from professional advice and guidance on everyday financial questions. Whether you’re saving for college, a house or retirement, trying to build your emergency fund or just want to know the basics of money management, GNCU can help you get financially fit. Together with EVERFI, we offer more than 40 interactive training videos and 20 calculators to empower you to make smart and informed money decisions.
What Should You Do with Your Old 401(k)?
CHOICE 1: Leave It with Your Previous Employer There are benefits of leaving your plan where it is. Your current investments are low cost, have limited availability outside of the plan and maintain certain creditor protections. The downside is you may pay less attention to the ongoing management of the old account’s investments.
CHOICE 2: Transfer to Your New Employer’s Plan If your current employer’s 401(k) accepts transfers, you may want to consider moving your assets over to the new plan. The primary benefit? The convenience of consolidating your assets and retaining strong creditor protections.
CHOICE 3: Roll Over Assets to a Traditional Individual Retirement Account (IRA) Although a drawback to this approach could be less creditor protection, a traditional IRA may provide a wider range of investment choices than your new 401(k) plan.
Remember: Don’t feel rushed to make a decision; you have time to consider your choices, and our financial advisors are here to help.
If you are interested in a no-cost, no-obligation meeting with an advisor, call (775) 334-3168 or (775) 886-1468 or click here to learn more.
Advisors are registered representatives offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. Registered address: 481 Eagle Station Lane, Carson City, NV 89701/ 6745 Sierra Center Parkway, Reno, NV 89511 /4131 N. Carson Street, Carson City, NV 89706. Investments are not deposits • Not NCUSIF insured • Not insured by any federal government agency • No credit union guarantee • May lose value.
Withdrawals from traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions. Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of the FINRA website for additional information.
Slow Time Is Go Time: Prep Your Business for the Busy Season
A Message from GNCU Commercial Services
No matter what industry you’re in, your business is always evolving. That’s why it’s important to take advantage of your slow time to do both long- and short-term planning. Here are some quick tips to make sure you’re ready when business rolls in.
- Work on your website: Everything should be up to date and accurate – especially contact information.
- Hire: Anticipate your busy season and make sure you have the right staff ready and trained. It’s also important to plan coverage for any employee vacations coming up.
- Understand your cash flow, including:Monthly hard costs: Rent, labor and utilities. Order times: How long does it take to get the products you need? Financing options: Know what’s available before you need it. Spot check your books: Make sure all entries are correct.
Need guidance managing your business finances? Greater Nevada Commercial Services is here to help. Call (775) 334-8622 or click here to learn more.
Save up to $200 Each Month* on Your Auto Loan
GNCU members saved an average of $2,400* annually with our Payment Saver Auto Loan in 2018.
The cost of purchasing a new or used vehicle is at an all-time high and can be hard on potential buyers. GNCU’s Payment Saver Auto Loans offer flexibility so you end up with a loan that works for you. Similar to leasing, your payment may be much lower but you still own the vehicle and can sell it, trade it or buy it outright. Payment Saver Loans are also a great fit if you trade in cars after a few years or want to get the most car for your money.
What You Need to Know:
- Available for new and used vehicles up to five years old
- Flexible loan terms up to 72 months
- No first or last payment required and no early payoff penalty
- Up to 100% financing with no money down*
We also offer traditional financing, credit re-builder and first-time buyer loans, and auto loan refinancing, so no matter what you need we have the right loan for you. Apply online now or call (855) LIV-GR8R (548-4787).
Personal Loan or Line of Credit*: What’s Best?
No matter how much we plan, it can be hard to set aside enough savings to cover unexpected expenses. Personal loans and lines of credit can help, but first it’s important to understand the difference.
What is a personal loan? Personal loans are established for a set amount and are repaid in equal payments over a fixed term. This type of loan is ideal for unexpected purchases like replacing a broken appliance. Personal loans can also be used to consolidate high-rate credit cards and pay down the debt with a lower single payment.
What is a personal line of credit? Similar to a credit card, personal lines of credit can be used when needed, repaid and then used again up to a preset limit. Personal lines of credit can also be linked to a checking account and provide overdraft protection. If flexibility and availability are what you need then a personal line of credit may be a good fit.
Click here to learn more about personal loans and lines of credit or call (855) LIV-GR8R (548-4787).
On the Road and In Your Neighborhood: Growing to Help More People Live Greater!
NEWLY REMODELED: The remodel of GNCU’s Spanish Springs branch is nearly complete – featuring new service pods, an updated lobby, Interactive Teller Machines (ITMs) and a coin-counting machine.
COMING SOON: We’re excited to welcome GNCU’s first full-service branch in Fernley! Located at the corner of Newlands Drive East and Stanley East, the new branch will feature ITMs and a drive-thru. Watch gncu.org for more information, including our grand opening celebration.
HITTING THE ROAD! GNCU’s new mobile branch offers an ATM and member service representatives ready to help you open new accounts, apply for loans, and talk about your banking needs. The mobile branch is making stops at popular local summer events, and you can also find the tour schedule on gncu.org.
$70 for 70 Years of Greater
Greater Nevada Credit Union is celebrating its 70th anniversary with this special offer. Refer a friend to GNCU through the end of the year and you can each earn an extra $35. Qualifications apply, so visit your local branch or click here for details.
We’re Here to Protect You
From your home and car to your personal finances and investments, you’ve worked hard to build the life you have. These assets are what we like to call your “financial house” and without the proper insurance coverage, your financial house may not be fully protected.
At Greater Nevada Insurance (GNI), we want to make sure what you built is properly protected for you, your children and your grandchildren. That’s why each year GNI proactively reviews your policies to ensure you have the most up-to-date coverage while making sure you understand your risk and liability, too.
GNI offers home, renters, auto, business, umbrella, life, pet insurance and more. We’re a local partner committed to finding you the best product, coverage and price from top-rated insurance companies nationwide. On average, our members save $647 by bundling home and auto insurance policies.*
Meet Insurance Agent Brent Cordell
GNI agent Brent Cordell is here for you and all GNCU members to answer questions, review current policies and advise you on the best coverage. Brent has called Reno-Tahoe home since 1992 and is an active member of the northern Nevada community.
Call Brent Cordell at (775) 886-1967 or email email@example.com for your complimentary insurance review and quote.
*Figure of $647 is a national average savings number from the previous 12 months of auto, homeowner and packaged policyholders’ savings when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Available insurance products are not deposits of Greater Nevada Credit Union and are not protected by any type of deposit insurance, are not obligations of or guaranteed by Greater Nevada Credit Union or its affiliates, and may be subject to risk. Insurance products are not insured or guaranteed by the National Credit Union Administration (NCUA) or any other agency of the United States.
Empowering Homebuyers with Helpful Tools & No-Cost Consultations
Are you ready to take the leap from renting to owning? Or maybe you’re thinking about refinancing? No matter where you are in your home buying journey, Greater Nevada Mortgage (GNM) is here to help.
Committed to delivering the customer service you want and deserve, GNM is proud to offer no-cost, no-obligation consultations to help you understand which loan is best for you. If you’re looking to buy or refinance a home or know someone who is, call GNM at (800) 526-6999 or visit GreaterNevadaMortgage.com.
Research your options with seven different mortgage calculators. Click here to get started.
- Rent vs. Own
- Debt Consolidation
- Prepayment Savings
- Early Payoff
- Refinance Break-Even Point
- Tax Savings
GNM NMLS ID: 279738 | CA ID: 41DBO-61467 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.