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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 APR1 As Low As
New & Used Auto Loans (Less Than 2 Years Old) 5.34%
Used Auto Loans (2 - 6 Years Old) 5.63%
Used Auto Loans (Greater Than 6 Years Old) 6.32%

Longer loan terms up to 84 months are available for well-qualified borrowers.

1APR (Annual Percentage Rate) effective November 16, 2022, and subject to change without notice. Rates shown include a 0.25% rate discount for Loan to Value below 90%. Payment example: A new auto loan of $20,000 financed at 5.34% APR for 60 months equals a payment of $380.58 per month.

 

Personal Loans

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

Product APR1 As Low As
Personal Line of Credit** 13.90%
Personal Loan 12.21%

1APR (Annual Percentage Rate) effective November 16, 2022, and subject to change without notice. Payment example: A personal loan of $10,000 financed at 11.99% APR for 60 months equals a payment of $223.51 per month.

**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.

 

Recreational Loans

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

Product APR1 As Low As
New RV/Personal Power Craft 8.01%
Used RV/Personal Power Craft 8.01%

1APR (Annual Percentage Rate) effective November 16, 2022, and subject to change without notice. Payment example: A new RV loan of $45,000 financed at 7.99% APR for 180 months equals a payment of $430.26 per month.

 

Student Loans

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

Product APR1 As Low As
Student Loan 8.96%

1APR (Annual Percentage Rate) effective November 16, 2022, and subject to change without notice. Payment example: A student loan of $10,000 financed at 8.75% APR for 60 months equals a payment of $207.40 per month.

 

Land Loans

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

Product APR1 As Low As
Land Loan 7.52%

1APR (Annual Percentage Rate) effective November 16, 2022, and subject to change without notice. Payment example: A land loan of $50,000 financed at 7.50% APR for 180 months equals a payment of $463.51 per month.

 

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 - $50,000.00 3.928% 4.00%
$50,000.01 + 0.050% 0.05%
Non-Qualifying 0.050% 0.05%

Qualifying for the high-yield earnings, out-of-network ATM fee refunds, and waiver of the monthly service charge 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 January  1, 2023, and subject to change without notice. Aspire Checking accounts earn 4.00% APY on qualifying balances up to $50,000. Rate tiers are as follows: 4.00% APY applies to balances of $0.01 - $50,000.00 and 0.05% APY applies to balances over $50,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Other rewards received when monthly qualifications are met include up to $15 in out-of-network ATM fee rebates and waiver of the $15 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. "Qualification Cycle" means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 - August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Fees could reduce the earnings on the account. Membership requirements apply. Available to personal accounts only.

Health Savings Account

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Tier Rate APY2
All Amounts 0.100% 0.10%

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.

 

Savings Accounts

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Account Minimum Balance Rate APY2
Share Savings None 0.100% 0.10%
Minor Shares None 0.100% 0.10%
Commercial Shares None 0.100% 0.10%
Christmas Club None 0.100% 0.10%

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.

 

I Can Save

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Tier Rate APY2
Accounts with balances of $0.01 - $1,000 5.841% 6.00%
Accounts with balances of $1,000 + 0.100% 0.10%
Non-Qualifying 0.100% 0.10%

2APY (Annual Percentage Yield) effective November 21, 2022, and subject to change without notice. To jumpstart your savings, you'll earn a generous rate of 6.00% APY until your savings balance reaches $1,000.00. After that, you earn the current GNCU Regular Share savings account rate on the entire account balance, currently 0.10% APY. 6.00% APY earned on balances ≤ $1,000.00 when qualification of one deposit per month is met. 0.10% APY applies to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account. Limit of one I Can Save account per member.

 

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.

 

Share Certificates (CDs)

Also available to commercial members. 

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3
3 Months 3.445% 3.50%
6 Months 3.445% 3.50%
12 Months 4.169% 4.25%
18 Months 4.169% 4.25%
24 Months 4.169% 4.25%
30 Months 2.227% 2.25%
36 Months 2.227% 2.25%
48 Months 2.227% 2.25%
56 Months 3.687% 3.75%
60 Months 2.227% 2.25%

3APY (Annual Percentage Yield) effective December 22, 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. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.

 

IRA Shares

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Tier Rate APY3
All Amounts 0.100% 0.10%

3APY (Annual Percentage Yield) effective December 22, 2022, and subject to change without notice. Fees could reduce the earnings on the account.

 

IRA Share Certificates

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3
3 Months 3.445% 3.50%
6 Months 3.445% 3.50%
12 Months 4.169% 4.25%
18 Months 4.169% 4.25%
24 Months 4.169% 4.25%
30 Months 2.227% 2.25%
36 Months 2.227% 2.25%
48 Months 2.227% 2.25%
56 Months 3.687% 3.75%
60 Months 2.227% 2.25%

3APY (Annual Percentage Yield) effective December 22, 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. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.

 

IRA Share Certificates - Special Distribution

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Terms Minimum Balance $1,000 Rate Minimum Balance $1,000 APY3
3 Months 3.445% 3.50%
6 Months 3.445% 3.50%
12 Months 4.169% 4.25%
18 Months 4.169% 4.25%
24 Months 4.169% 4.25%
30 Months 2.227% 2.25%
36 Months 2.227% 2.25%
48 Months 2.227% 2.25%
56 Months 3.687% 3.75%
60 Months 2.227% 2.25%

3APY (Annual Percentage Yield) effective December 22, 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. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.