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Whether you’re a first-time saver or are looking to protect your current nest egg, Greater Nevada Credit Union is the community choice offering competitive interest rates on savings accounts.
Account Rates
Make Future You Smile
Competitive Credit Union Savings Accounts Interest Rates
Not all banks are the same. GNCU is built on the premise that everyone in the community should be able to save, regardless of their income, credit score, or account balance. From our I Can Save account for new savers to our Health Savings account and Money Market accounts, we offer competitive rates that help you build for your future.
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Regular Share Savings Account Rates >>
Youth Share Savings Account Rates >>
Christmas Club Savings Account Rates >>
Health Savings Account Rates >>
I Can Save Account Rates
Tier
Rate
APY1
Tier
$0.01 – $2,500.00
Rate
5.841%
APY1
6.00%
Tier
$2,500.01 +
Rate
0.100%
APY1
0.10%
Tier
Non-Qualifying
Rate
0.100%
APY1
0.10%
1APY (Annual Percentage Yield) effective October 16, 2023, 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 $2,500.00. 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 ≤ $2,500.00 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. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will be not be allowed for a period of two years from the date of account closure.
Money Market Account Rates
Tier
Rate
APY2
Tier
$0.01 – $49,999.99
Rate
0.499%
APY2
0.50%
Tier
$50,000.00 +
Rate
0.995%
APY2
1.00%
2APY (Annual Percentage Yield) effective December 1, 2023, 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.
Regular Share Savings Account Rates
Tier
Rate
APY3
Tier
All Amounts
Rate
0.100%
APY3
0.10%
3APY (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.
Youth Share Savings Account Rates
Tier
Rate
APY4
Tier
All Amounts
Rate
0.100%
APY4
0.10%
4APY (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.
Christmas Club Savings Account Rates
Tier
Rate
APY5
Tier
All Amounts
Rate
0.100%
APY5
0.10%
5APY (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.
Health Savings Account Rates
Tier
Rate
APY6
Tier
All Amounts
Rate
0.100%
APY6
0.10%
6APY (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.
Other Interest-Earning Accounts
GNCU offers more interest-bearing accounts worth considering. Earn one of the best returns in the nation for a checking account with our high-yield Aspire Checking account. Explore our Share Certificates (CDs) and lock in a generous rate with terms up to five years. You can also check out our IRA Share Certificates/IRA Share account for your retirement needs.
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Aspire Checking Account Rates >>
Share Certificate (CD) Rates >>
IRA Share Certificate (CD) Rates >>
IRA Share Certificate (CD) Special Distribution Rates >>
Aspire Checking Account Rates
Tier
Rate
APY7
Tier
$0.01 – $50,000.00
Rate
3.928%
APY7
4.00%
Tier
$50,000.01 +
Rate
0.050%
APY7
0.05%
Tier
Non-Qualifying
Rate
0.050%
APY7
0.05%
7APY (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.
Share Certificate (CD) Rates
Term
Minimum Balance $500 Rate
Minimum Balance $500 APY8
Term
3 Months
Minimum Balance $500 Rate
1.490%
Minimum Balance $500 APY8
1.50%
Term
6 Months
Minimum Balance $500 Rate
2.960%
Minimum Balance $500 APY8
3.00%
Term
12 Months
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY8
4.75%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY8
4.25%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY8
3.10%
Term
30 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY8
3.10%
Term
36 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY8
3.10%
Term
48 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY8
2.50%
Term
60 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY8
2.50%
8APY (Annual Percentage Yield) effective August 1, 2024, 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. The minimum opening deposit is $500.
IRA Share Certificate (CD) Rates
Term
Minimum Balance $500 Rate
Minimum Balance $500 APY9
Term
3 Months
Minimum Balance $500 Rate
1.490%
Minimum Balance $500 APY9
1.50%
Term
6 Months
Minimum Balance $500 Rate
2.960%
Minimum Balance $500 APY9
3.00%
Term
12 Months
Minimum Balance $500 Rate
5.128%
Minimum Balance $500 APY9
5.25%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY9
4.25%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY9
3.10%
Term
30 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY9
3.10%
Term
36 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY9
3.10%
Term
48 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY9
2.50%
Term
60 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY9
2.50%
9APY (Annual Percentage Yield) effective August 1, 2024, 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. The minimum opening deposit is $500.
IRA Share Certificate (CD) Special Distribution Rates
Term
Minimum Balance $500 Rate
Minimum Balance $500 APY10
Term
3 Months
Minimum Balance $500 Rate
1.490%
Minimum Balance $500 APY10
1.50%
Term
6 Months
Minimum Balance $500 Rate
2.960%
Minimum Balance $500 APY10
3.00%
Term
12 Months
Minimum Balance $500 Rate
5.128%
Minimum Balance $500 APY10
5.25%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY10
4.25%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY10
3.10%
Term
30 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY10
3.10%
Term
36 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY10
3.10%
Term
48 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY10
2.50%
Term
60 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY10
2.50%
10APY (Annual Percentage Yield) effective August 1, 2024, 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. The minimum opening deposit is $500.
IRA Share Account Rates
Tier
Rate
APY11
Tier
All Amounts
Rate
0.100%
APY11
0.10%
11APY (Annual Percentage Yield) effective August 1, 2024, and subject to change without notice. Fees could reduce the earnings on the account.
Get a High-Interest Rate Savings Account from Greater Nevada Credit Union
When you bank with GNCU, you reap the benefits of working with a community not-for-profit organization that’s not only dedicated to teaching you how to save — but one that actively helps you do so. Below are some benefits of GNCU’s high-yield savings accounts.
Higher Returns
GNCU’s high-interest rate savings accounts often outperform traditional financial institutions. Each statement cycle, you’ll see tangible benefits.
Risk-Free Growth
Savings accounts from GNCU offer competitive returns while minimizing your risk. They’re also federally insured by NCUA for extra peace of mind.
Digital Banking
Easy, secure online banking through our desktop experience and mobile app lets you check balances, make deposits and move money from anywhere in the world.
24/7 Support
The GNCU team is ready to help with any of your questions, offering support whenever and wherever you need it most.
What is an Annual Percentage Yield (APY)?
What is a good interest rate on a savings account?
Why do credit unions pay higher interest on savings?
Is there a minimum balance required for my savings account?
What is the minimum balance required to earn interest on my GNCU savings account?
Open a Savings Account With Greater Nevada Credit Union Today
Ready to learn more? Open an account with GNCU today or use our resources to learn more about why banking with a credit union is the choice of many in our community.
