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Greater Nevada Ready 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 eBranch Online 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) 2.190% 2.197%
Used Auto Loans (2 - 6 Years Old) 2.440% 2.448%
Used Auto Loans (Greater Than 6 Years Old) 3.140% 3.150%

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

1APR (Annual Percentage Rate) effective October 28, 2021, and subject to change without notice. Payment example: $20,000 at 2.44% APR for 60 months equals $355.30 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 4.99% 4.99%
Used RV/Personal Power Craft 4.99% 4.99%

1APR (Annual Percentage Rate) effective June 12, 2020, 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 September 24, 2018, 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 September 24, 2018, and subject to change without notice.
 

Mortgages

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

Aspire Checking

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

Tier Rate APY2
All Amounts 0.10% 0.10%

2APY (Annual Percentage Yield) effective October 1, 2020, and subject to change without notice.


Savings Accounts

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 1, 2020, and subject to change without notice.


I Can Save

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 1, 2020, 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

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

2APY (Annual Percentage Yield) effective October 1, 2020, 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 Certificate of Deposit Accounts

Also available to commercial members. 

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 March 29, 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

Tier Rate APY3
0.10% 0.10%

3APY (Annual Percentage Yield) effective March 29, 2022, and subject to change without notice.


IRA Certificates

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 March 29, 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 Certificates - Special Distribution

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 March 29, 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..