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When you borrow money, you want to find the lowest interest rate possible so you can enjoy your purchase without paying more than you can afford. Explore GNCU’s competitive credit union loan rates here.
Loan Rates
Explore Greater Nevada Credit Union Loan Rates
90 Days With No Payments on New and Used Auto Loans*
Looking for a new (or new to you) car, truck, or van? Start here with a low rate and a limited-time offer of no payments for the first three months. Then, hit the road anywhere!
*90-day no pay offer is based on approved credit. Offer is available for auto loans with application submitted by September 30, 2025. Payment Saver Auto Loans are not eligible. If accepted, it will extend your loan by three (3) months, and finance charges will accrue on unpaid principal. Offer is subject to change or cancellation without notice except as required by law.
Greater Nevada Credit Union Loan Offerings
Auto Loan Rates
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APR1 As Low As
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New or Used Auto Loan (Less Than 2 Years Old)
APR1 As Low As
4.50%
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Used Auto Loan (2 – 6 Years Old)
APR1 As Low As
4.60%
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Used Auto Loan (Greater Than 6 Years Old)
APR1 As Low As
5.40%
Mortgage Loan Rates
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APR2 As Low As
Mortgage Loans are offered through Greater Nevada Mortgage (GNM), GNCU’s home lending subsidiary. NMLS ID: 279738; CA ID: 41DBO-61467; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
Home Equity Line of Credit Rates
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APR3,4 As Low As
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Home Equity Line of Credit
APR3,4 As Low As
8.50%
Home Equity Lines of Credit are offered through Greater Nevada Mortgage (GNM), GNCU’s home lending subsidiary. NMLS ID: 279738; CA ID: 41DBO-61467; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
Personal Loan Rates
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APR5 As Low As
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Personal Loan
APR5 As Low As
13.49%
Personal Line of Credit Rates
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APR6 As Low As
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Personal Line of Credit
APR6 As Low As
14.90%
Recreational Vehicle Loan Rates
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APR7 As Low As
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New or Used Recreational Vehicle Loan
APR7 As Low As
9.49%
Recreational loans are for motorhomes, fifth wheels, travel trailers, campers, utility trailers, horse trailers, boats, jet skis, motorcycles, snowmobiles, all-terrain vehicles (ATVs), and utility terrain vehicles (UTVs or side-by-sides). Some restrictions do apply.
Land Loan Rates
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APR9 As Low As
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Land Loan
APR9 As Low As
7.50%
Land Loans are offered through Greater Nevada Mortgage (GNM), GNCU’s home lending subsidiary. NMLS ID: 279738; CA ID: 41DBO-61467; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
My Credit Health – Free to All Members!
My Credit Health is an all-in-one credit tool fully integrated within Greater Nevada Digital Banking that lets you monitor, manage, and improve your credit.
Over 33,795 members have increased their credit score tier or maintained their top-tier credit score since using it!
The amount is as of June 2025 and is based on active members who have been enrolled in My Credit Health for at least 6 months. Members must be at least 18 years old to use My Credit Health.
What Can Affect Your Loan Rates?
While each loan has its own respective rates associated with it, there are some common factors that determine rates. Below are some examples of what can impact the rate you are offered on a given loan through GNCU.
How well you’ve handled your repayments in the past has a major impact on the rate we’ll be able to offer you. Having an excellent credit score is key to obtaining a loan that works for you.
In the case of an auto loan or home mortgage loan, the amount of money you’re able to put down toward the principal can impact how much you’ll pay — and the rate you pay it at — in the long run.
There is a bit more to a loan than the purchase price of an item. Real estate loans, for instance, include closing costs and Private Mortgage Insurance, both of which can impact your monthly payment.
The type of loan you’re seeking will affect the interest rates. Home loans, for instance, can be of the fixed rate or adjustable rate variety. Other factors such as the Federal Reserve’s prime rate can be a factor.
How long you intend to borrow the money can be a determining factor in the rate you pay. Generally, a loan that is longer in length will have a lower interest rate, but it varies by loan type.
Do you have a co-signer on your loan? If you do, and if your credit score is lower, you could enjoy better rates with another signer guaranteeing repayment of the loan.
What Are the Benefits of a Loan With a Credit Union?
Competitive Interest Rates
GNCU offers interest rates that compare positively with other financial institutions.
Improved Credit Score
A loan with GNCU is not just a transaction. It’s a chance to build your credit and your financial future.
Flexible Loan Terms
Whatever your stage of life, we will work to find you a loan with monthly payments you are comfortable with.
Variety of Loan Options
From boat, car and home loans to those that help kickstart your education or career, we’re here for you.
GNCU Is Not-For-Profit
Unlike banks, which answer to corporate shareholders, we only answer to you: the community.
Local Decision Making and Support
Questions about the loan process? Feel free to call us. We’re here to help.
What are loan rates currently?
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How can I get a low APR loan?
Apply for a Greater Nevada Credit Union Loan
Ready to get started with a personal loan from GNCU? Click the helpful links below to get started.
1APR (Annual Percentage Rate) effective June 5, 2025. Rates and conditions are subject to change without notice and vary based on creditworthiness, loan term, vehicle age, vehicle mileage, and other factors. Rate shown assumes excellent borrower credit history financing a new or used auto loan less than two years old at a 36-month loan term and includes a 0.25% rate discount for Loan to Value below 90% available for well-qualified borrowers. Not all applicants will qualify for the lowest rate. Payment example: A new auto loan of $20,000 financed at 4.50% APR for 36 months equals a payment of $594.94 per month.
2APR (Annual Percentage Rate) is the cost of borrowing money, expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. Rates and terms are subject to change without notice. Rates are for illustrative purposes only and assume a borrower with a credit score of 700 or higher, which may be higher or lower than your credit score. Adjustable Rate Mortgage (ARM) loans are subject to interest rate, APR, and payment increase after each change period. For instance, a 5/5 ARM means that you will pay a fixed rate for the first five years of the loan, and then your rate is subject to change once every five years after that through the remainder of the loan. Interest rates and APRs are based on current market rates and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score, and other variables. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. The estimated total closing costs in these rate scenarios are not a substitute for a Loan Estimate, which includes an estimate of closing costs, which you will receive once you apply for a loan. Actual fees, costs, and monthly payments on your specific loan transaction may vary and may include city, county, or other additional fees and costs. Not all loan options are available in every state. The borrower is responsible for any property taxes as a condition of the loan. Membership with GNCU is required for select loan options. This is not a credit decision or a commitment to lend. Contact a Mortgage Consultant to learn the details of loan options and programs available. You may contact one directly or call Greater Nevada Mortgage at 775-888-6999 or 800-526-6999. We do business in accordance with the Federal Fair Housing Act, Federal Equal Credit Opportunity Act, and California Fair Employment and Housing Act.
3APR (Annual Percentage Rate) can vary and is based on the Prime Rate plus a margin of 2.00% – 2.50% based on borrower credit rating and other qualifications. The APR is subject to change each month, based on changes to the highest Prime Rate published in the Wall Street Journal “Money Rates” table. The minimum base APR is 9.50%, and the maximum base APR is 17.75%. Up to 80% CLTV is available with credit lines from $25,000 – $250,000 subject to collateral type and borrower qualifications. Fees and closing costs to establish a HELOC generally total between $0 – $1,500 and are paid by the borrower. $75 annual fee beginning on the first anniversary date. $500 pre-payment penalty if the HELOC is closed within 36 months of origination. Rates, terms, and conditions are effective as of December 19, 2024, and are subject to change without notice. Loans are available for 1 – 2 unit, owner-occupied properties in the state of Nevada only. Greater Nevada Credit Union membership is required prior to loan funding, which is open to anyone living or working in any of Nevada’s 17 counties and members of their immediate family. Additional terms and conditions may apply. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal Income Tax purposes. Borrowers should consult a tax adviser for further information regarding the deductibility of interest and charges. This is not a credit decision or a commitment to lend. We do business in accordance with the Federal Fair Housing Law, the Equal Opportunity Act, and the California Fair Employment and Housing Act.
4The following discounts are available on a new Home Equity Line of Credit (HELOC): An “initial draw” discount of 0.10% for every $10,000.00 withdrawn with a maximum discount of up to 1.00% from your approved base rate. Discounted rate will be locked as your new rate for the remainder of your HELOC. Example of the discount tiers based on the minimum base APR of 9.50%: Borrow $10,000.00 – $19,999.99 means your new rate would be 9.40% APR; borrow $20,000.00 – $29,999.99 means your new rate would be 9.30% APR; borrow $30,000.00 – $39,999.99 means your new rate would be 9.20% APR; borrow $40,000.00 – $49,999.99 means your new rate would be 9.10% APR; borrow $50,000.00 – $59,999.99 means your new rate would be 9.00% APR; borrow $60,000.00 – $69,999.99 means your new rate would be 8.90% APR; borrow $70,000.00 – $79,999.99 means your new rate would be 8.80% APR; borrow $80,000.00 – $89,999.99 means your new rate would be 8.70% APR; borrow $90,000.00 – $99,999.99 means your new rate would be 8.60% APR; borrow $100,000.00+ means your new rate would be 8.50% APR.
5APR (Annual Percentage Rate) effective July 19, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A personal loan of $10,000 financed at 13.49% APR for 60 months equals a payment of $230.05 per month.
6APR (Annual Percentage Rate) effective April 17, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. An Annual 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.
7APR (Annual Percentage Rate) effective October 24, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A new RV loan of $45,000 financed at 9.49% APR for 180 months equals a payment of $469.63 per month.
8APR (Annual Percentage Rate) effective April 17, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A student loan of $10,000 financed at 9.75% APR for 60 months equals a payment of $211.24 per month.
9APR (Annual Percentage Rate) effective November 16, 2022. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Property must be located in the state of Nevada only. Greater Nevada Credit Union membership is required prior to loan funding, which is open to anyone living or working in any of Nevada’s 17 counties and members of their immediate family. Additional terms and conditions may apply. Payment example: A land loan of $50,000 financed at 7.50% APR for 180 months equals a payment of $463.97 per month.