Real Talk: Making Banking Better and Easier to Understand

Hello everyone, it’s nice to meet you. I’m Matt R. O’Fact, and I’m here to deliver some Real Talk.

What’s Real Talk? It is a few different things. First off, it’s the name of a new campaign that Greater Nevada Credit Union is running to ensure people know about the power of banking with us. And it’s also a promise. A promise from Greater Nevada Credit Union to the people of Nevada— we want to make it easier for you to achieve your goals.

We want to make banking simpler, easier to access and understand. We offer accounts and programs to help your money go further. We commit to taking banking terms and fine print and turn it into real talk that real people can understand.      

Products Here to Help You

Greater Nevada isn’t about having the lowest fees possible or making sure your cryptocurrency investments get the best returns. We’re about helping people invest in themselves and the people around them to make Nevada a thriving community. We focus on helping people grow and achieve a better life.

Money isn’t everything, but it’s still important. We designed these products to help Nevadans keep more money in their pockets.   

Cash Back Checking – Earn up to $120 in cash back per year¹ when you make purchases with your secure GNCU Visa debit card. One of the few cash-back checking accounts in Nevada, and includes our free Student Cash Back Checking account with no fees and the option to earn cash back too.  

Aspire High-Interest Checking – Earn 3.25% APY² for up to $25,000 in your checking account, one of the highest in Nevada!  

Payment Saver Auto Loans – An innovative loan option that combines the cost savings of a car lease while you still retain ownership of your vehicle. Available for most current and up to five-year old used cars, vans and light trucks, you could save up to 40% on monthly payments compared to a conventional loan with this program.

Digital Banking to Help You Live Greater, No Matter Where You Are

We’re committed to breaking down barriers for community banking. We recently launched our new Greater Nevada Digital Banking system designed to make online and mobile banking more manageable and powerful. It’s faster, more secure, and easier to use to offer a one-stop shop to where you can take care of all your banking digitally.

Converting Banking Language to Real Talk

Minimum balances, APR, and fine print— they’re all necessary. However, they can get in the way of knowing what you’re really getting yourself into. We want to make sure you get to spend your money on what you need (and want), and not collect fees because you missed something in the fine print.

So, we created the Real Talk Center. A place where you can easily find the services we offer, whether you’re looking to start a checking account, get a credit card, or apply for a mortgage. Here, we’ll break down complicated banking terms and concepts into easy-to-understand language. You’ll also be able to find the resources you need to go from banking beginner to financial guru.   

Nevada, we’ve been through a lot. But, there is no perfect time to Live Greater. Sure we’ve just gone through a pandemic that has (or still is) lasted longer than anyone would like. We’re facing inflation, supply chain problems, and the fears of an economic slowdown. We can’t tell the future, but we believe Nevadans can work together to make their communities greater. We’re not about get-rich-quick, but putting in the hard work every day to make your life better, one step at a time. And we’re here to put in the work with you.

It’s go time, Nevada.

Start now and join us at the Real Talk Center.

¹Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Other rewards received when monthly qualifications are met include up to $15 in out-of-network ATM fee rebates and waiver of the $10 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 may reduce earnings. Membership requirements apply. Available to personal accounts only.

²APY (Annual Percentage Yield) effective November 1, 2022, and subject to change without notice. Aspire Checking accounts earn 3.25% APY on qualifying balances up to $25,000. Rate tiers are as follows: 3.25% 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. 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 may reduce earnings. Membership requirements apply. Available to personal accounts only.