savings account interest rates

Account Rates

Make Future You Smile

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.

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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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I Can Save Account Rates >>

Money Market Account Rates >>

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.

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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.

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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.

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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.

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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.

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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.

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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 Rates >>

IRA Share Certificate – Special Distribution Rates >>

IRA Share Account 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.

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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
1.982%
Minimum Balance $500 APY8
2.00%
Term
12 Months
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY8
4.75%
Term
17 Months (Limited-time special)
Minimum Balance $500 Rate
4.745%
Minimum Balance $500 APY8
4.85%
Term
17 Months (Limited-time special with an active Aspire Checking account)
Minimum Balance $500 Rate
4.889%
Minimum Balance $500 APY8
5.00%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY8
4.25%
Term
21 Months (Limited-time special)
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY8
4.75%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY8
3.10%
Term
28 Months (Limited-time special)
Minimum Balance $500 Rate
3.928%
Minimum Balance $500 APY8
4.00%
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 January 12, 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.

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IRA Share Certificate 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
1.982%
Minimum Balance $500 APY9
2.00%
Term
12 Months
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY9
4.75%
Term
17 Months (Limited-time special)
Minimum Balance $500 Rate
4.745%
Minimum Balance $500 APY9
4.85%
Term
17 Months (Limited-time special with an active Aspire Checking account)
Minimum Balance $500 Rate
4.889%
Minimum Balance $500 APY9
5.00%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY9
4.25%
Term
21 Months (Limited-time special)
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY9
4.75%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY9
3.10%
Term
28 Months (Limited-time special)
Minimum Balance $500 Rate
3.928%
Minimum Balance $500 APY9
4.00%
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 January 12, 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.

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IRA Share Certificate – 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
1.982%
Minimum Balance $500 APY10
2.00%
Term
12 Months
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY10
4.75%
Term
17 Months (Limited-time special)
Minimum Balance $500 Rate
4.745%
Minimum Balance $500 APY10
4.85%
Term
17 Months (Limited-time special with an active Aspire Checking account)
Minimum Balance $500 Rate
4.889%
Minimum Balance $500 APY10
5.00%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY10
4.25%
Term
21 Months (Limited-time special)
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY10
4.75%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY10
3.10%
Term
28 Months (Limited-time special)
Minimum Balance $500 Rate
3.928%
Minimum Balance $500 APY10
4.00%
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 January 12, 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.

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IRA Share Account Rates

Tier
Rate
APY11
Tier
All Amounts
Rate
0.100%
APY11
0.10%

11APY (Annual Percentage Yield) effective January 12, 2024, and subject to change without notice. Fees could reduce the earnings on the account.

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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.

percentage

Higher Returns

GNCU’s high-interest rate savings accounts often outperform traditional financial institutions. Each statement cycle, you’ll see tangible benefits.

tree

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.

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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.

faq

24/7 Support

The GNCU team is ready to help with any of your questions, offering support whenever and wherever you need it most.

Savings Accounts Interest Rates Frequently Asked Questions (FAQs)

The GNCU team is here to answer all your questions about savings accounts interest rates and more. Here are some of the most common questions we get about our products and services.

What is an Annual Percentage Yield (APY)?

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In short, an annual percentage yield (APY) is the amount of money you would earn in interest on an account with GNCU over the course of one year. For example, if you deposit $10,000 into your GNCU Money Market account that compounds monthly and earns a 0.499% interest rate (0.50% APY1), your resulting balance at the end of the year would come out to $10,050.01. Rates vary by account type, and fees could reduce earnings.

What is a good interest rate on a savings account?

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The national average for savings accounts at national banks hovers around 0.16% APY, meaning your money will not earn enough to keep up with inflation. Credit unions, on the other hand, have the ability to offer higher yield interest rates on certain savings accounts such as our I Can Save account, which offers a 6.00% APY2 on qualifying account balances up to $1,000 for savers just starting, Money Market accounts that offer 0.50% APY1 and Share Certificates (CDs) that offer several different rates/yields based on term length options.

Why do credit unions pay higher interest on savings?

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Credit unions can often offer substantially higher interest rates than traditional banks because they are not-for-profit financial cooperatives with the goal of helping people learn to manage their money responsibly. Credit unions are member-owned and do not need to meet the demands of a group of shareholders or a profit-driven corporation. When you bank with a credit union, you may be earning interest at a faster rate than you would with a standard bank.

Is there a minimum balance required for my savings account?

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Most banks have minimum balance requirements for their customers, whether it is for checking or savings accounts. Standard savings accounts with GNCU do not have minimum balance requirements, although our accounts may have an account balance, account activity, and/or multiple accounts requirements to obtain a certain rate and/or waive any associated fees. Contact us for specific details on each, or view our latest Account Terms and Fee Schedule.

What is the minimum balance required to earn interest on my GNCU savings account?

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On top of the nominal $5 new membership fee (waived for youth accounts), we require a minimum $5 initial deposit to fund a Share Savings account that will begin to earn interest as soon as the account is active. As mentioned above, some of our accounts may have an account balance, account activity, and/or multiple accounts requirements to obtain a certain rate and/or waive any associated fees. Contact us for specific details on each, or view our latest Account Terms and Fee Schedule.

high interest rate 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.