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Greater Nevada Right Now Loan™

Eligible members can count on 24/7 access to small-dollar loans with no credit check to cover the expenses that can’t wait. It’s an honest, easy payday loan alternative from the credit union you trust. Learn more about this loan option, including how to apply through your Digital Banking account, through the button below. 
 

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Auto Loans

Apply Online | Text GNCUloan to 43783 | Call (855) LIV-GR8R | Visit a GNCU Branch

Product Rate As Low As APR1 As Low As
New & Used Auto Loans (Less Than 2 Years Old) 3.24% 3.34%
Used Auto Loans (2 - 6 Years Old) 3.54% 3.64%
Used Auto Loans (Greater Than 6 Years Old) 4.24% 4.44%

Longer loan terms are available. Learn more by calling our lending team at (855) LIV-GR8R, or stop by your local branch.

1APR (Annual Percentage Rate) effective September 14, 2022, and subject to change without notice. Payment example: $20,000 at 3.34% APR for 60 months equals $361.94 per month. Rates shown include a 0.25% rate discount below the base APR for Loan to Value below 90%.

 

Recreational Loans

Apply Online | Text GNCUloan to 43783 | Call (855) LIV-GR8R | Visit a GNCU Branch

Product Rate As Low As APR1 As Low As
New RV/Personal Power Craft 5.99% 5.99%
Used RV/Personal Power Craft 5.99% 5.99%

1APR (Annual Percentage Rate) effective September 14, 2022, and subject to change without notice.

 

Personal Loans

Apply Online | Text GNCUloan to 43783 | Call (855) LIV-GR8R | Visit a GNCU Branch

Product Rate As Low As APR1 As Low As
Personal Line of Credit** 11.40% 11.40%
Personal Loan 9.95% 10.36%

1APR (Annual Percentage Rate) effective November 19, 2021, and subject to change without notice. 

**Annual Fee. A fee of $35.00 is due annually in order to continue this Line of Credit. We will add this amount to your Loan Account Balance annually.

 

Student Loans

Apply Online | Text GNCUloan to 43783 | Call (855) LIV-GR8R | Visit a GNCU Branch

Product Rate As Low As APR1 As Low As
Student Loan 6.25% 6.59%

1APR (Annual Percentage Rate) effective November 19, 2021, and subject to change without notice.

 

Land Loans

Apply Online | Text GNCUloan to 43783 | Call (855) LIV-GR8R | Visit a GNCU Branch

Product Rate As Low As APR1 As Low As
Land Loan 5.00% 5.02%

1APR (Annual Percentage Rate) effective July 29, 2022, and subject to change without notice.

 

Mortgages

Visit our home lending subsidiary at GreaterNevadaMortgage.com to learn about our various mortgage loans and competitive rates. Since 2001, Greater Nevada Mortgage has made homeownership dreams come true for people of all backgrounds and income levels in Nevada and California. Their lending experts know the ins and outs of our unique markets and ready to provide their insights and personal assistance for your next purchase, refinance, or home equity line of credit (HELOC). And they’ll be there for you every step of the way.

 

Aspire Checking

Apply Online | Visit a GNCU Branch

Tier Rate APY2
$0.01 - $25,000 1.736% 1.75%
$25,000 + 0.05% 0.05%
Non-Qualifying 0.05% 0.05%

Qualifying for the high-yield and ATM fee refunds is easy. Simply do the following each monthly qualification cycle:

Have at least 9 debit card purchases post and clear, have at least one Direct Deposit post and clear, and 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.

2APY (Annual Percentage Yield) effective April 1, 2020, and subject to change without notice. Rate tiers are as follows: 1.75% APY applies to balances of $0.01 - $25,000.00 and 0.05% APY applies to balances over $25,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. To qualify, you must have at least 9 debit card purchases post and clear, have at least one Direct Deposit post and clear, and receive online eStatements. Rates may change at any time after the account is opened. Fees may reduce earnings.

 

 

Health Savings Account

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Tier Rate APY2
All Amounts 0.10% 0.10%

2APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice.

 

Savings Accounts

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Account Minimum Balance Rate APY2
Share Savings None 0.10% 0.10%
Christmas Club None 0.10% 0.10%
Minor Shares None 0.10% 0.10%
Commercial Shares None 0.10% 0.10%

2APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice.

 

I Can Save

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Tier Rate APY2
Accounts with balances of $0.01 - $1,000 4.89% 5.00%
Accounts with balances of $1,000 + 0.10% 0.10%
Non-Qualifying 0.10% 0.10%

2APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. To jumpstart your savings, you'll earn a generous rate of 5.00% APY until your savings balance reaches $1,000. After that, you earn the current GNCU share savings account rate on the entire account balance, currently 0.10% APY. 5.00% APY earned on balances ≤ $1,000 when qualification of one deposit per month is met. Limit of one "I Can Save" account per member. 0.10% APY applies to all balances if monthly qualifications are not met. Rates subject to change at any time after the account is opened. Fees may reduce earnings. 

 

Money Market

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Tier Rate APY2
$0.01 - $2,499.99 0.499% 0.50%
$2,500 - $9,999.99 0.499% 0.50%
$10,000 - $24,999.99 0.499% 0.50%
$25,000 - $49,999.99 0.499% 0.50%
$50,000 + 0.499% 0.50%

2APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

 

Share Certificates (CDs)

Also available to commercial members. 

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3 Minimum Balance $50,000 Rate Minimum Balance $50,000 APY3
3 Months 0.25% 0.25% 0.25% 0.25%
6 Months 0.30% 0.30% 0.30% 0.30%
12 Months 0.40% 0.40% 0.40% 0.40%
18 Months 0.50% 0.50% 0.50% 0.50%
24 Months 0.55% 0.55% 0.55% 0.55%
30 Months 0.55% 0.55% 0.55% 0.55%
36 Months 0.60% 0.60% 0.60% 0.60%
48 Months 0.65% 0.65% 0.65% 0.65%
60 Months 1.00% 1.00% 1.00% 1.00%

3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. 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 Certificates are also available at reduced rates and APYs. Visit a branch for more information. Fees could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

 

Special Promo Share Certificates (CDs) Rates

Also available to commercial members.

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3
9 Months 1.144% 1.15%
15 Months 1.490% 1.50%
21 Months 1.982% 2.00%

3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. 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 Certificates are also available at reduced rates and APYs. Visit a branch for more information. Fees could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

 

IRA Shares

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Tier Rate APY3
All Amounts 0.10% 0.10%

3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice.

 

IRA Share Certificates

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3 Minimum Balance $50,000 Rate Minimum Balance $50,000 APY3
12 Months 0.40% 0.40% 0.40% 0.40%
18 Months 0.50% 0.50% 0.50% 0.50%
24 Months 0.55% 0.55% 0.55% 0.55%
30 Months 0.55% 0.55% 0.55% 0.55%
36 Months 0.60% 0.60% 0.60% 0.60%
48 Months 0.65% 0.65% 0.65% 0.65%
60 Months 1.00% 1.00% 1.00% 1.00%

3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. 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 Certificates are also available at reduced rates and APYs. Visit a branch for more information. Fees could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

 

Special Promo IRA Share Certificates Rates

Visit a GNCU Branch

Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3
9 Months 1.144% 1.15%
15 Months 1.490% 1.50%
21 Months 1.982% 2.00%

3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. 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 Certificates are also available at reduced rates and APYs. Visit a branch for more information. Fees could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

 

IRA Share Certificates - Special Distribution

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3 Minimum Balance $50,000 Rate Minimum Balance $50,000 APY3
12 Months 0.15% 0.15% 0.15% 0.15%
18 Months 0.25% 0.25% 0.25% 0.25%
24 Months 0.30% 0.30% 0.30% 0.30%
30 Months 0.30% 0.30% 0.30% 0.30%
36 Months 0.35% 0.35% 0.35% 0.35%
48 Months 0.40% 0.40% 0.40% 0.40%
60 Months 0.75% 0.75% 0.75% 0.75%

3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. 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 Certificates are also available at reduced rates and APYs. Visit a branch for more information. Fees could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

 

Special Promo IRA Share Certificates - Special Distribution Rates

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3
9 Months 0.896% 0.90%
15 Months 1.243% 1.25%
21 Months 1.736% 1.75%
3APY (Annual Percentage Yield) effective October 3, 2022, and subject to change without notice. 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 Certificates are also available at reduced rates and APYs. Visit a branch for more information. Fees could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.
Choose Greater Nevada Credit Union for personal and business banking throughout Nevada including branches in Carson City, Reno, Sparks, Dayton, Fernley, Ely, Minden / Gardnerville, West Wendover and Elko.
Helping more people live greater.