Check Rates

Auto Loans

Rates effective April 13, 2020.

Product	Rate As Low As	APR1 As Low As	Terms
New & Used Auto Loans (Less Than 2 Years Old)	2.79%	2.79%	Up to 60 Months*
Used Auto Loans (2 - 6 Years Old)	2.99%	2.99%	Up to 60 Months*
Used Auto Loans (Greater Than 6 Years Old)	3.49%	3.49%	Up to 60 Months*

Longer loan terms are available. Please contact our lending team for more information.

Recreational Loans

Rates effective June 12, 2020.

Product	Rate As Low As	APR1 As Low As
New RV/Personal Power Craft	4.99%	4.99%
Used RV/Personal Power Craft	4.99%	4.99%

Personal Loans

Rates effective September 24, 2018.

Product	Term	Rate As Low As	APR1 As Low As
Personal Line of Credit**	Open End	11.40%	11.40%
Personal Loan	Up to 60 Months*	9.95%	10.36%

Student Loans

Rates effective September 24, 2018.

Rate As Low As	APR1 As Low As	Term
6.25%	6.59%	60 months
6.50%	6.61%	120 months
6.75%	6.78%	180 months

Lands Loans

Rates effective September 24, 2018.

Product	Rate As Low As	APR1 As Low As	Terms
Land Loan	5.00%	5.02%	180 months

APR¹ = Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged.

*Representative examples:

New auto loan: A loan amount of $24,950 with a loan term of 60-months at 3.49% interest rate = 59 payments of $455.34 per month with a final payment of $454.88 includes a $50 document fee; 3.57%APR and $18.30 per $1,000 borrowed.
Personal loan: A loan amount of $5,000 with a with a loan term of 60-months at a 9.95% interest rate = 59 payments of $107.57 with a final payment of $107.22; includes a $50 document fee; 10.36% APR and $22.78 per $1,000 borrowed.
New and Used RV loan: A loan amount of $25,050 with a loan term of 144-month at a 4.99% interest rate = 143 payments of $231.56 per month with a final payment of $230.60 includes a $50 document fee; 4.99% APR and $57.60 per $1,000 borrowed.
Student Loan: A loan amount of $5,000.00 with a loan term of 60-month at a 6.25% interest rate= 59 payments of $91.30 with a final payment of $90.66 includes a $50 document fee; 6.59% APR and $13.91 per $1,000 borrowed.
Land Loan: A loan amount of $50,000.00 with a loan term of 180-month at a 5.00% interest rate = 179 payments of $396.25 with a final payment of $393.78; 5.02% APR and $118.45 per $1,000 borrowed.

**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.
 

Mortgages

Visit www.greaternevadamortgage.com to learn about our various mortgage loans and competitive rates. 
 

Aspire Checking

Rates effective April 1, 2020.

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.

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

Rates effective August 31, 2018.

Tier	Rate	APY2
All Amounts	0.10%	0.10%

Savings Accounts

Rates effective September 10, 2018.

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%

I Can Save

Rates effective October 1, 2019.

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%

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

Rates effective September 10, 2018.

Tier	Rate	APY2
$0.01 - $2,499.99	0.05%	0.05%
$2,500 - $9,999.99	0.10%	0.10%
$10,000 - 24,999.99	0.15%	0.15%
$25,000 - $49,999.99	0.20%	0.20%
$50,000 +	0.20%	0.20%

APY² = Annual Percentage Yield. Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

Share Certificate of Deposit Accounts

Also available to commercial members. Rates effective June 29, 2020.

Terms	Minimum Balance $1,000 Rate	Minimum Balance $1,000 APY3	Minimum Balance $50,000 Rate	Minimum Balance $50,000 APY3
3 Months	0.10%	0.10%	0.10%	0.10%
6 Months	0.15%	0.15%	0.15%	0.15%
12 Months	0.25%	0.25%	0.25%	0.25%
18 Months	0.35%	0.35%	0.35%	0.35%
24 Months	0.40%	0.40%	0.40%	0.40%
30 Months	0.40%	0.40%	0.40%	0.40%
36 Months	0.45%	0.45%	0.45%	0.45%
48 Months	0.50%	0.50%	0.50%	0.50%
60 Months	0.75%	0.75%	0.75%	0.75%

IRA Shares

Rates effective August 31, 2018.

Tier	Rate	APY3
	0.10%	0.10%

IRA Certificates

Rates effective August 26, 2019.

Terms	Minimum Balance $1,000 Rate	Minimum Balance $1,000 APY3	Minimum Balance $50,000 Rate	Minimum Balance $50,000 APY3
12 Months	0.90%	0.90%	1.00%	1.00%
18 Months	1.05%	1.05%	1.14%	1.15%
24 Months	1.14%	1.15%	1.24%	1.25%
30 Months	1.24%	1.25%	1.34%	1.35%
36 Months	1.39%	1.40%	1.49%	1.50%
48 Months	1.49%	1.50%	1.59%	1.60%
60 Months	1.64%	1.65%	1.74%	1.75%

IRA Certificates - Special Distribution

Rates effective August 26, 2019.

Terms	Minimum Balance $1,000 Rate	Minimum Balance $1,000 APY3	Minimum Balance $50,000 Rate	Minimum Balance $50,000 APY3
12 Months	0.65%	0.65%	0.75%	0.75%
18 Months	0.80%	0.80%	0.90%	0.90%
24 Months	0.90%	0.90%	1.00%	1.00%
30 Months	1.00%	1.00%	1.09%	1.10%
36 Months	1.14%	1.15%	1.24%	1.25%
48 Months	1.24%	1.25%	1.34%	1.35%
60 Months	1.39%	1.40%	1.49%	1.50%

APY³ = Annual Percentage Yield. 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. Rates published subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.