Member Services

Yes! It’s a good idea to get pre-approved for a new or used auto loan, so you can be aware of your purchasing power as you shop for your next vehicle.

Ready to get started? You can apply online now, or you can book a phone appointment to chat with a GNCU loan expert at a time that works best for you.

Shop and Buy With AutoSMART

Use GNCU AutoSMART to help you buy a new or used vehicle. Rather than visiting dealer after dealer to see what’s available, you can now research and compare thousands of new, used, and certified pre-owned cars and trucks. Plus, you can also get an estimate of your trade-in value.

To check the status of a loan application, please call our lending hotline at (855) LIV-GR8R (548-4787). Phone call appointments are available.

In Nevada, the title will be processed by the Department of Motor Vehicles, and it typically takes 2 – 4 weeks for them to mail it to you.

Please see below for your options based on the source of funds for your GNCU loan payments.

I’m going to make my loan payments with funds from my GNCU checking or savings account:

• Greater Nevada Digital Banking (no fee) – You can use the Loan Payments feature found under Transactions in the main menu.

• Greater Nevada ATMs and Interactive Teller Machines (ITMs) (no fee) - You can use the self-service account transfer option at any GNCU ATM/ITM, or any ATM in the CO-OP Shared ATM network. You can also choose to talk to a Digital Service Representative through the video service option at a GNCU ITM during our extended banking hours.

• Greater Nevada Phone Activated Teller (PAT) Telephone Banking (no fee) – PAT is available from any touchtone phone. To use PAT, you will need a personal identification number (PIN). If you do not yet have a PAT PIN yet, please contact the Member Resource Center by sending a secure message through your Digital Banking account or by phone at (800) 421-6674.

• In-person payments (no fee) – Stop inside a GNCU branch or visit another participating credit union branch in the CO-OP Shared Branch network.

• Mail-in payments (no fee) – Send us your payment through a check with the loan account number along with a detailed note of instruction or payment coupon in a sealed envelope to the following address:

Greater Nevada Credit Union
Attn: Loan Servicing
P.O. Box 2128
Carson City, NV 89702

• Phone payments (a fee does apply) – You can call us at (800) 421-6674 and work directly with a Member Resource Representative to make a payment.

I’m going to make my loan payments with funds from my checking or savings account at a different financial institution:

• Greater Nevada Fast Pay (no fee) – You can pay your loan with any U.S.-based bank account or debit card. You may choose to do it all online (assistance is available in Spanish with this option only), or you can call us at (800) 421-6674 and follow the prompts to select “Make a Loan Payment” to use our automated payment system.

• DIRECTPAY (no fee) – You can automatically deduct your loan payment from an account at a different institution every month on the date you choose. You must complete the enrollment form and send it to us by email at mrcsupport@gncu.net, by visiting a GNCU branch, or by mail to the address noted further below.

• Greater Nevada Interactive Teller Machines (ITMs) (no fee) - You can pay your loan only by talking to a Digital Service Representative through the video service option during our extended banking hours.

• In-person payments (no fee) – Stop inside a GNCU branch or visit another participating credit union branch in the CO-OP Shared Branch network.

• Mail-in payments (no fee) – Send us your payment through a check with the loan account number, along with a detailed note of instruction or payment coupon, in a sealed envelope to the following address:

Greater Nevada Credit Union
Attn: Loan Servicing
P.O. Box 2128
Carson City, NV 89702

• Phone payments (a fee does apply) – You can call us at (800) 421-6674 and work directly with a Member Resource Representative to make a payment.

We require that our members have full coverage on any vehicle in which GNCU is the lien holder. 

If you switch insurance providers, please submit new proof of insurance. If your insurance coverage lapses, then you may be subject to force-placed insurance and any associated costs.

Follow these steps to perform a loan payoff through Greater Nevada Digital Banking:

1. Log into your Digital Banking account.

2. Click Transactions from the main menu and select Loan Payments from the drop-down options.

3. Select the GNCU account to fund the payment in the From drop-down, and the loan you want to pay off in the To drop-down.

4. The loan’s details, including the payoff amount, will appear so you can confirm that you have enough funds in your account to make the payoff payment.

5. In the Payment Type drop-down, select Payoff & Close.

6. After submitting, you’ll be asked to authorize the payment via two-factor authentication.

7. After completing the two-factor authentication, your loan payoff will be complete.

For auto and recreational vehicle loans with a title: We’ll share this information with the Nevada DMV to release a clear title to you. Please allow 2 – 4 weeks for the DMV to process and mail it to you.

Yes! Here is what happens if you pay more than your minimum loan payment:

• This month’s loan payment is satisfied.

• Excess funds paid will reduce your balance, enabling your loan to be paid off earlier.

Your loan payment is due on the same day every month. If you pay more than your minimum payment, here is what happens:

• This month’s loan payment is satisfied.

• Excess funds paid will reduce your balance, enabling your loan to be paid off earlier.

To determine your accurate loan payoff amount, you can choose one of the following ways.

• Online self-service – Follow these steps to find loan payoff amount within your Greater Nevada Digital Banking account.

1. Log into your Digital Banking account.

2. Click on the loan account.

3. Click on the Details and Settings tab, and the latest payoff amount is shown in the details section.

• Call Us – Please call our Member Resource Center at (800) 421-6674.

• Visit a GNCU Branch – Stop by your local GNCU branch during business hours.

A GNCU loan payment can easily be skipped through the Skip-a-Payment program. Eligibility factors and a fee do apply. Please visit the Skip-a-Payment page to learn more about the program, including the application process.

CPI is collateral protection insurance. This means your loan either had a lapse in coverage, insurance coverage information was never received, or the insurance coverage was insufficient to meet the requirements for your loan.

Information on these guidelines was provided to you at the loan documentation signing. If it’s needed again, please call/book an appointment with our Consumer Lending team.

Your account balance is the total amount of money currently in your account, including any held funds or pending transactions.

Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals. This will exclude all funds that are engaged in holds or pending transactions. Your available balance does not account for checks that have not been cashed or deposits that have not been posted yet. Overdraft fees are determined using your available balance.

An International Bank Account Number (IBAN) is an international standard for identifying bank accounts. These numbers are used when making or receiving international payments.

The IBAN varies by country/institution and does not replace your account number. Only the institution servicing an account can provide the correct IBAN of that account, and it must be obtained from the beneficiary of the wire. An IBAN is required for beneficiary accounts in Europe and other countries worldwide.

No, your GNCU membership can go with you to your new home!

Greater Nevada Digital Banking gives you the tools to access your account information and manage your money how you want with a customizable banking experience, quickly and easily.

If a branch visit is necessary, most banking transactions can be handled through a Shared Branch, thanks to our participation in the CO-OP Shared Branch network.

You can also call the Member Resource Center at (800) 421-6674.

Yes! Members can take advantage of a notary service at no charge.

Please check to see if your local GNCU branch offers the service.

The daily cutoff time to send a wire transfer is 2:30 PM PT.

Your employer or the government agency that issues your payroll checks is responsible for establishing direct deposit on your behalf. You will typically fill out a direct deposit form with the following information, and they’ll handle the rest.

If a check you have received from a third party has bounced, please call the Member Resource Center at (800) 421-6674 or visit your local GNCU branch during business hours. Please keep in mind there is a fee for each returned unpaid item, and you can view our latest Account Terms and Fee Schedule for applicable fees.

When You Write a Bad Check

If you write a check and do not have enough money in your account by the time the check clears, the check will be returned to the payee (i.e. “bounce”). GNCU will assess an overdraft fee in these instances. You can view our latest Account Terms and Fee Schedule for applicable fees.

Usually, this is not under our control. Your direct deposit is typically deposited into your account immediately when your employer submits the deposit. If, for any reason, we are holding your funds, we will contact you promptly.

We highly recommend taking advantage of a free Greater Nevada Digital Banking account to check your available balances from any device.

We send out tax forms annually at the beginning of February. You will receive your tax forms by mail, and you will also be able to access them through your Greater Nevada Digital Banking account if you have enrolled in electronic statements (eStatements).

Under the requirements of the Patriot Act, all credit unions are required to conduct an identity check on any new member. They use “member identification programs” (CIP) that compare your name, address, date of birth, and other facts to the information contained on your credit report. Your credit score would not be damaged by that step.

The CIP regulations require institutions to implement reasonable procedures for:

• Verifying the identity of any person seeking to open an account, to the extent reasonable and practicable.

• Maintaining records of the information used to verify the person’s identity, including name, address, and other identifying information.

Banks also review ChexSystems and sometimes Credit Report data during the process of determining whether a member qualifies to open a new account. Under FCRA regulations, the bank must have a permissible purpose, such as “intend[ing] to use the information in connection with a credit transaction involving the consumer,” in order to obtain a credit report and must first obtain the consumer’s consent. A hard inquiry like this could cause a slight ding to your credit score.

Deposit availability times vary depending on when and where you deposit your funds. Our general practice is to make deposits made in person at a branch or electronically available to you immediately. ATM deposits made at GNCU ATMs are typically held for two business days.

If the deposit is made at an ATM of another institution, we may extend the hold, depending on the type of check deposited. To access your funds more quickly, consider making deposits electronically using the mobile deposit feature available in the Greater Nevada Digital Banking app.

To review our fund-holding policy, see our latest Account Terms.

Find your member number in several ways:

• Online self-service – Follow these steps to find your member number within the electronic statements (eStatements) section of your Greater Nevada Digital Banking account.

1. Log into your Digital Banking account.

2. Click Statements from the main menu. If you are not yet enrolled to receive eStatements, you must follow the prompts to do so.

3. Your member number will be listed next to your name.

• Message us – Send us a secure message within Digital Banking.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch: Stop by your local GNCU branch during business hours.

You can do any of the following to update your mailing address, email addresses, and phone numbers:

• Online self-service – You can update your contact information through your Greater Nevada Digital Banking account.

1. Log into your Greater Nevada Digital Banking account.

2. Click Account Management from the main menu and select Address/Contact Management from the drop-down options.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

You can do any of the following:

• Online – You can see your account balances anytime through your Greater Nevada Digital Banking account, including the Greater Nevada Mobile app.

• Visit an ATM – Stop by an ATM near you with your GNCU Visa debit card and select to view your account balance from the service options.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

A new signature card will be required to add a joint owner to your account. You can do any of the following:

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

A signature card is a record that a bank saves upon opening an account. The document contains the signatures of all the account’s authorized individuals. This documentation is used for security purposes. Depending on the agreement in place at the time the account was opened, all parties concerned may need to visit the credit union and sign the relevant documentation. This can be done by mail if necessary. New account owners will need to bring government-issued identification.

The joint owner can send a note instructing us to remove their name (signature notarized), or we can close your existing account by opening a new account and transferring funds.

For our policy on Ownership of Account and Beneficiary Designation, see our latest Account Terms.

A new signature card will be required to add or remove an account beneficiary. You can do any of the following:

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours (appointments are preferred; walk-ins are subject to availability and varying wait times).

A signature card is a record that a bank saves upon opening an account. The document contains the signatures of all the account’s authorized individuals. This documentation is used for security purposes.

For our policy on Ownership of Account and Beneficiary Designation, see our latest Account Terms.

Find your account number in several ways:

• Online self-service – Follow these steps to find your account number within your Greater Nevada Digital Banking account.

1. Log into your Greater Nevada Digital Banking account.

2. Click on the deposit or loan account.

3. Click on the Details and Settings tab, and the full account number is shown in the details section.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

Please choose any of the following:

• Online – Follow these steps to transfer funds within your  Greater Nevada Digital Banking account.

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Transfer from the drop-down options.

3. Fill out the fields and submit the transfer.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

If You Are Enrolled in eStatements

When a new statement or notice is available, you will receive an email alert to the email address on file. You can access them at any time through your Greater Nevada Digital Banking account and print them out for your records. We will store up to two years’ worth of statements for your review and reference. If you would like a copy of a statement outside of this timeframe, please call the Member Resource Center at (800) 421-6674 or visit a local GNCU branch during business hours.

If You Are Not Enrolled in eStatements

You will receive a printed statement at the address you provided when joining GNCU. If you would like another copy of a statement, please call the Member Resource Center at (800) 421-6674 or visit a local GNCU branch during business hours.

Please note: A wire transfer fee will apply to both receiving and sending wire transfers. Refer to our latest Account Terms and Fee Schedule for more details

Instructions to Receive a Wire Transfer

To receive a domestic or foreign incoming wire transfer to your GNCU account, you will need to provide the sending institution with the following information to ensure the money is received.

Wire Funds To

Greater Nevada Credit Union
451 Eagle Station Ln
Carson City, NV 89701

GNCU’s ABA/transit routing number: 321280143

Beneficiary/Further Credit To

• Member name (as shown on your account)

• Full GNCU account number (not member number)

Incoming wire transfers will be posted to your account between 9:00 AM – 3:00 PM PT, Monday – Friday, excluding federal holidays.

Please note: For incoming international wires, GNCU does not have a SWIFT Code or International Bank Account Number (IBAN). Any international wires being received must be sent from the sending foreign institution through a U.S. intermediary institution of their choice.

Instructions to Send a Wire Transfer

You will need to visit your local GNCU branch to send a wire transfer. Please have the following information on hand when you visit:

Your Information

• Your name

• Your phone number and current physical and mailing address

• Your GNCU account number to debit

• The amount of the wire transfer

Beneficiary Financial Institution Information

• Name

• ABA/transit routing number

• Address (physical is required)

Beneficiary Information

• Name of the beneficiary (person or company) receiving the wire

• Account number to deposit funds

• Physical and mailing address

We encourage members to take advantage of the coin machine counters at many of our GNCU branches. Members can get cash or deposit the amount into their GNCU account at no charge.

Please note: If your preferred branch does not have a coin machine counter available, then they will only accept bankrolled coins for deposit. Due to concerns about fraud, we cannot accept personally rolled coins.

For General Accounts (Checking, Money Market, etc.)

If you want to close an account, you can do any of the following:

• Online – Send us a secure message through your Greater Nevada Digital Banking account.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

For Share Savings Accounts (Your Membership Account)

We will need a written request from the primary member to close the account and membership. In the letter, please include the date, your member number or the last four digits of your account, the reason for closing the account, your signature, a valid contact phone number in case we need to reach you, and your current mailing address if we need to send a cashier’s check. You can visit your local GNCU branch or send it to us by mail or fax.

Please note: Ensure that you don’t have any pending transactions when attempting to close an account. If you do, then we must wait until they post to the account to proceed.

To log out of your Greater Nevada Digital Banking account, select Log Off at the bottom of the main menu.

If you do not log off, your Digital Banking session will automatically time out for your protection.

Follow these steps to enroll in eStatements in your Greater Nevada Digital Banking account:

1. Log into your Greater Nevada Digital Banking account.

2. Click Statements from the main menu.

3. Select Enrollment and follow the subsequent steps to finish enrolling.

You may also call the Member Resource Center at (800) 421-6674 for assistance.

If you or a third-party system connected enters incorrect login information more than three times consecutively, your Greater Nevada Digital Banking account will be locked for security reasons.

Here are the most common reasons for account lockout:

• Connection attempts from third-party financial apps or services – If you connect your GNCU accounts to an app or service such as Venmo, NerdWallet, Mint, Rocket Money, or even another bank, then repeated attempts by those services to connect to your accounts using an incorrect or outdated username and/or password are flagged as potential fraud, resulting in account lockout.

• Repeated incorrect attempts by a user – A GNCU member or other person has tried repeatedly to log in using an incorrect or outdated username and/or password, resulting in account lockout.

If you are locked out, then here is how to regain access:

1. Click the “LOG IN” button found at the top of every page.

2. Click Unlock/Forgot Username from the link options in the login widget.

3. Information you will need to provide: Account Number, Last Name, Date of Birth, Social Security Number, Zip Code, and Login ID used to access your account.

4. Once your Digital Banking account has been successfully unlocked and you suspect a third-party app or service is the root cause of your account being locked, you will need to visit each app or service and follow the steps to reconnect your accounts within their system.

If you are still unable to access your account, please call the Member Resource Center at (800) 421-6674.

Follow these steps to change an account’s name in your Greater Nevada Digital Banking account:

1. Log into your Greater Nevada Digital Banking account.

2. Click Account Management from the main menu and select Account Preferences from the drop-down options.

3. Click the account you would like to rename.

4. Click the pencil icon below Online Display Name.

5. Click the check mark to save your changes.

Follow these steps to submit a dispute through your Greater Nevada Digital Banking account (note that you can only dispute 10 of the same item at a time):

1. Log into your Digital Banking account.

2. Click on the account tile, find the transaction you want to dispute, and then click on the three vertical dots.

3. A dropdown menu will appear. Click Dispute transactions.

4. A pop-up form will appear. Click Dispute transactions.

5. Provide more details about the disputed transaction in the form.

6. Once finished, click Submit dispute. A notice will be displayed to confirm your successful submission, and GNCU will begin an investigation.

Red flags will mark transactions in your account that you have submitted for dispute.

See below for two options available through your Greater Nevada Digital Banking account:

Zelle®

Zelle® is a convenient and free way to send and receive money with friends, family, and others you trust, even if they bank somewhere different than you. Zelle® is exclusively available for personal members with a GNCU checking account. Follow these steps:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Send Money with Zelle® from the drop-down options.

3. Follow the subsequent steps to enroll and be able to use this feature.

Member to Member Transfer

If you are sending money to another GNCU member, then you can take advantage of the Member to Member Transfer feature. You can choose to make a single transfer to another member, or you can link your account to theirs (for deposit purposes only). follow these steps:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Member to Member Transfer from the drop-down options.

3. Follow the subsequent steps to send a single transfer or link the other member’s account.

If you need additional help, please call the Member Resource Center at (800) 421-6674.

You may be experiencing this problem because your web browser is set to clear cookies and/or cache when you close the program.

Normally, you should only have to register a computer or mobile device with a SAC once. However, Greater Nevada Digital Banking uses cookies to recognize your device. If you clear your cookies and/or cache or use a different browser to access your account, you will be prompted to re-register your device.

You can learn more about cookies and caches for each supported browser through these links:

• Google Chrome

• Microsoft Edge

• Apple Safari

• Mozilla Firefox

To add your other external account from another financial institution and transfer money to and from your Greater Nevada Digital Banking account, follow these steps:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Manage External Accounts from the drop-down options.

3. Click Link via Instant Verification.

4. Enter your mobile phone number, where you will be prompted to enter a One Time Passcode.

5. If you have previously added accounts to Plaid, select the account you want to add. Otherwise, click Add new account.

6. Search for your external financial institution and log in with your credentials for that bank/credit union.

7. Select the account(s) you would like to link.

8. Start using your linked account. You can make transfers with your external account from the Transfer Money option.

Follow the steps to request a stop payment in your Greater Nevada Digital Banking account:

1. Log into your Greater Nevada Digital Banking account.

2. Click Requests from the main menu and select Stop Payment from the drop-down options.

3. Choose the Request Type.

4. Select the Account the check was written from.

5. Enter the Check number(s)

6. You may also choose to enter the Check amount, Check date, Payee name, and a Note (depending on the request type you chose). If you choose to stop multiple checks, you can also enter the starting and ending dates.

7. Click Request Stop Payment.

Please note: A stop payment fee will apply. Refer to our latest Account Terms and Fee Schedule for more details.

If you have forgotten your Greater Nevada Digital Banking account’s password, follow the simple steps below to get it reset:

1. Click the “LOG IN” button found at the top of every page.

2. Click Forgot Password from the link options in the login widget.

3. Submit your Login ID and follow the subsequent steps to reset your password.

Please note: After three failed login attempts, your Digital Banking account will be locked for security reasons, and you will need to call the Member Resource Center at (800) 421-6674 to unlock it. If you forget your password after the second attempt, it is best to follow the steps above to prevent your account from being locked.

Follow these steps to set up account alerts in your Greater Nevada Digital Banking account:

1. Log into your Greater Nevada Digital Banking account.

2. Click Account Management from the main menu and select Alerts from the drop-down options.

3. Toggle the switches to turn the preset alerts on or off.

4. To create a new alert, click the + New Alert button.

5. To choose how you would like to receive your alerts, click the Edit Delivery Preferences link.

Please note: Several of the preset alerts must remain enabled for security purposes.

Yes! If you visit a GNCU branch to get your new GNCU Visa debit card, you will set your custom PIN at that time. If you received a new card in the mail, you will set your custom PIN when you activate it by calling the activation phone number listed on the card.

You can do any of the following to activate your new GNCU Visa debit card:

• If you have lost your activation instructions on the card, simply call (866) 446-6805 and enter information to verify your identity to activate the card.

• If you would prefer to complete the card activation in person, visit a GNCU branch during business hours.

Yes! Your GNCU Visa debit and credit cards will work in many foreign countries at locations that accept Visa. Our standard service fees may vary when you travel outside the US. An International Service Assessment may be applied to all transactions as outlined in our latest Accounts Terms. To ensure your destination is not a blocked country, please call the Member Resource Center at (800) 421-6674.

Please note: Foreign currency is not accepted, ordered, nor can it be processed at a GNCU branch.

Traveling? Let us know!

Spare yourself the possibility of having your card frozen due to unexpected activity. You can do it from your Greater Nevada Digital Banking account, or you can call the Member Resource Center at (800) 421-6674 to let us know your travel dates and where you will be going.

Bon voyage!

Please call the Member Resource Center at (800) 421-6674 or visit a GNCU branch during business hours to review your transaction history.

There can be several reasons that your GNCU Visa debit card would be denied.

• Insufficient funds in your checking account

• A worn-out strip or EMV chip

• A block on your card

• And more

For security reasons, the specifics of your situation must be handled in confidence.

Some merchants may be enrolled in Visa’s Partial Authorization service. If you don’t have overdraft coverage, your transaction may still be approved for only part of your total purchase amount. This occurs when you don’t have a sufficient available balance to pay for the entire transaction at the time of purchase. Additionally, funds from your designated account(s) linked for overdraft coverage may be considered when determining the authorized amount.

For example, suppose you attempt a $50.00 purchase with your GNCU Visa debit card when your checking account’s available balance is only $30.00. In that case, your purchase may be approved for $30.00, and you can use an alternative form of payment for the remaining $20.00 instead of having the entire transaction declined.

If you’re receiving this message, your GNCU Visa debit card may be locked, or you may need to reset your PIN. You can do any of the following:

• Contact us online – Send the Member Resource Center a secure message through your Greater Nevada Digital Banking account.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

If you have an already activated GNCU Visa debit card, then you can do any of the following:

• Contact us online – Send the Member Resource Center a secure message through your Greater Nevada Digital Banking account.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

If you need a new GNCU Visa debit card, the good news is that you have several options available to you. Choose which option works best for you, but please note that a replacement fee will apply after one free card per year:

• At a GNCU branch – If you need immediate access to your new debit card, you’ll need to visit a GNCU branch during business hours with a government-issued ID or driver’s license to process your request and print you a new permanent card.

• Contact us online – You can send the Member Resource Center a secure message through your Greater Nevada Digital Banking account to receive a new card through the mail. You’ll receive your card in 5 – 7 business days. You can then activate it by calling the phone number provided.

• Call us – You can call the Member Resource Center at (800) 421-6674 to receive a new card through the mail. You’ll receive your card in 5 – 7 business days. You can then activate it by calling the phone number provided.

Please note: A replacement fee will apply after one free card per year. Refer to our latest Account Terms and Fee Schedule for more details.

Pay Online

You can create a dedicated account through our partner, Elan Financial, to manage your personal or business credit card. Or, you can take advantage of the free Bill Pay feature within Greater Nevada Digital Banking to help manage and pay your bills in one convenient location.

Mail-In Payments

Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Overnight Payments

Cardmember Service
3180 Rider Trail S
Attn: 790408
Earth City, MO 63045

By Phone

Call Elan Financial’s Cardmember Service at (800) 558-3424.

To request a credit limit increase for your credit card, please call Elan Financial’s Cardmember Service at (800) 558-3424 and have the following information on hand:

• Current annual income

• Employment status

• How much you pay for housing each month

To view your credit card rewards:

• Log in or create a dedicated account through our partners at Elan Financial to manage your personal or business credit card, including viewing your rewards.

• Call Elan Financial’s Cardmember Service at (800) 558-3424.

If your PIN is not working for your GNCU Visa debit card, then you can do any of the following:

• Contact us online – Send the Member Resource Center a secure message through your Greater Nevada Digital Banking account.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

You can order checks through Greater Nevada Digital Banking, by calling the Member Resource Center at (800) 421-6674, or by visiting your local GNCU branch (appointments are preferred; walk-ins are subject to availability and varying wait times).

To order checks through Greater Nevada Digital Banking, follow these steps:

1. Log into your Greater Nevada Digital Banking account.

2. Click Requests from the main menu and select Check Order from the drop-down options.

3. Select which account you would like to order checks for.

4. You will be directed to ordermychecks.com to place your order.

There may have been an error with the entered amount on your check. Please call the Member Resource Center at (800) 421-6674 or visit your local GNCU branch so we can research and correct the error for you.

You can get a copy of a cleared check through Greater Nevada Digital Banking.

1. Log into your Greater Nevada Digital Banking account.

2. Choose your checking account from the home screen.

3. From the Transactions tab, find your check transaction.

4. Click on Check.

5. You can view or download the cleared check images.

A cleared check is marked “canceled” by the depositor’s financial institution. Copies of canceled checks can be used as proof of payment.

There is no minimum balance required for any GNCU personal checking accounts.

For GNCU business checking accounts, please reference the most up-to-date Business Accounts Terms document.

There is no minimum amount of direct deposits required for any GNCU checking accounts.

However, many of our checking account options have monthly qualifications that must be met in order to waive the monthly service charge and/or to qualify for account rewards, and receiving at least one direct deposit per month applies to several of them.

You can learn more about our personal checking accounts and business checking accounts.

Bill Pay is a free service offered to members through Greater Nevada Digital Banking.

Enrolling in Bill Pay is simple by following these steps:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Bill Pay from the drop-down options.

3. Follow the prompts to finish your enrollment.

4. After successfully enrolling, you can add new payees through the Payment Center manually, or you can take advantage of Bill Discovery to have some automatically populated for you.

To add a new payee in Bill Pay, follow the steps below:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Bill Pay from the drop-down options

3. In the Payment Center tab, select Add a Company or Person.

4. Fill out the payee information.

5. Click Add.

If you have more than five payees in your payment center, you’ll have the option to organize them. Follow the steps below to get started:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Bill Pay from the drop-down options.

3. From the Payment Center tab, click on the Organize List link.

4. Enter your group name and click Add Group.

5. Use the drop-down selector next to a payee to move that bill into a group.

When using Bill Pay, a standard check will only be sent if the recipient account cannot receive electronic transfers.

The Rush Payments option gives you control over who gets paid and how quickly the payment arrives. Follow the steps below to get started:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Bill Pay from the drop-down options.

3. Find your payee and click the Rush Delivery link. Note: The link will only appear when the payment is eligible for expedited processing.

4. Enter the payment amount and click Send Money.

To remove a payee in Bill Pay, follow the steps below:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Bill Pay from the drop-down options

3. In the Payment Center tab, select the Company or Person and then the Delete option.

To cancel a payment in Bill Pay, follow the steps below:

1. Log into your Greater Nevada Digital Banking account.

2. Click Transactions from the main menu and select Bill Pay from the drop-down options

3. In the Payment Center tab, find the payment on the right-hand side and select the Cancel option.

Please visit a GNCU branch or call the Member Resource Center at (800) 421-6674 to complete the necessary paperwork to initiate your dispute process.

If you are not a member of GNCU, please contact the financial institution associated with your card.

We will closely monitor supply with our coin-distribution partners and notify members of any future changes.

No. We are not making any policy changes at this time.

No. Your banking experience remains unchanged.

Yes — pennies remain legal tender and we continue to accept them.

If you are a member of Greater Nevada Credit Union and use an ATM that is part of our network, then withdrawals are typically free. Use our interactive ATM Locator Map to find one near you.

Possible Fees

You will be assessed an ATM service fee when you withdraw cash from an ATM that is not part of our network. This is referred to as a Non-Proprietary ATM fee. Additionally, please note that if you attempt to withdraw more money than is available in your account, you will be charged a Non-Sufficient Funds fee for each nonsufficient withdrawal.

For more information on GNCU’s fees, view our latest Fee Schedule.

The maximum daily withdrawal from an ATM is $500, with an additional $10 allowance to cover potential ATM fees.

If you need to withdraw an amount exceeding this limit, please visit a GNCU ITM and utilize the Video Services during operating hours (up to a maximum of $2,000), visit your local GNCU branch, or visit a participating CO-OP Shared Branch.

Yes! Our ATM locations can be found easily through our interactive ATM & ITM locator map.

ATM Deposit Holds

Please note that ATM deposits made at GNCU ATMs are typically held for two business days. If the deposit is made at an ATM of another financial institution, we may extend the hold, depending on the type of check deposited. To access your funds sooner, consider making deposits electronically using the mobile deposit feature in our Greater Nevada Digital Banking app.

We participate in ATM networking through the CO-OP Shared Branch and ATM networks, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you have access to thousands of fee-free ATMs and branch locations across the country.

The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. The NCUA, backed by the full faith and credit of the U.S. government, operates the National Credit Union Share Insurance Fund (NCUSIF), which insures the savings of approximately 90 million account holders in all federally insured credit unions.

As a GNCU member, your savings are federally insured up to at least $250,000 at no additional cost to you by the NCUA.

GNCU is governed by our Board of Directors, who serve and represent the best interests of the members as volunteers. Every member, regardless of the amount in their account, can cast a vote to elect the credit union’s board members.

GNCU is regulated by the National Credit Union Administration (NCUA), just as banks are overseen by the Federal Deposit Insurance Corporation (FDIC). Both institutions insure accounts up to $250,000. The difference is that the NCUA covers regular shares and share draft accounts, which are specific to credit unions, and the $250,000 coverage limit applies to total deposits at a single institution.

See below for the different ways you can contact GNCU:

1. Send a secure message in Greater Nevada Digital Banking. (preferred)

2. Call (800) 421-6674 or (775) 882-2060.

3. Visit a GNCU branch during business hours.

4. Send mail to GNCU at:

Greater Nevada Credit Union
P.O. Box 2128
Carson City, NV 89702

Personal membership/ownership with GNCU is open to anyone living or working in any of Nevada’s 17 counties, and members of their immediate family. You can open your account online or by visiting your local GNCU branch, and you can remain a member for life, even if you move or change employers.

Business membership/ownership with GNCU is open to companies that are registered and have a physical location in any of Nevada’s 17 counties. The ones opening the accounts must be officers or owners and authorized signers of legal business entities. You can open your account online or by visiting your local GNCU branch.

GNCU branch hours vary by location. Please click on the location below to learn more:

• Carson City: Eagle Station Branch

• Carson City: North Carson Branch

• Dayton Branch

• Elko Branch

• Ely Branch

• Fernley Branch

• Minden Branch

• Reno: Golden Valley Branch

• Reno: Northwest Reno Branch

• Reno: South Reno Branch

• Sparks: Spanish Springs Branch

• Sparks: Vista Branch

• West Wendover Branch

GNCU’s ABA Routing Number: 321280143

A business checking account is designed for daily transactions and operational expenses, while a business savings account is meant for saving surplus funds and earning interest. Checking accounts offer easy access to funds, whereas savings accounts typically have limited withdrawals and higher interest rates.

Zelle® QR codes provide peace of mind knowing you can send money to the right person without typing an email address or mobile number. Find Zelle® in the Greater Nevada Mobile app, click “Send,” then click on the QR code icon displayed at the top of the “Recipients” screen. Your phone’s camera will open. To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount and hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money. You can also locate your Zelle® QR code by opening the Greater Nevada Mobile app, navigating to “Send Money with Zelle®” under Transactions, and clicking your Zelle® settings. From here, you can see your Zelle® QR code.

No, GNCU uses its own lending criteria for making loan decisions.

Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) are used to determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

My Credit Health makes it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from AnnualCreditReport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every GNCU My Credit Health user can “File a Dispute” with Transunion by clicking on the “Dispute” link within My Credit Health. Transunion will share this with the other bureaus if the inaccuracy is verified.

The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.

My Credit Health is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.

My Credit Health is entirely free to GNCU members.

Yes. My Credit Health will monitor and send email alerts when there has been a change to your credit profile.

Powered by SavvyMoney, My Credit Health is a feature integrated within Greater Nevada Digital Banking that offers a powerful one-stop shop for managing your credit score at no cost or impact.

• Daily access to your TransUnion credit score with real-time credit monitoring alerts.

• Special credit offers specific to you for auto and personal loans.

• Financial checkup for your personal health score, debt-to-income ratio, and budget analysis.

• Helpful resources to guide you in optimizing your credit score and financial health.

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

No, Greater Nevada Credit Union does not charge any fees to use Zelle® through your Greater Nevada Digital Banking account.

Your mobile carrier’s messaging and data rates may apply.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our Member Resource Center at (800) 421-6674 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our Member Resource Center at (800) 421-6674 so we can help you.

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Greater Nevada Digital Banking account using just their email address or U.S. mobile number.

Zelle® does not offer a protection program for any authorized payments made with Zelle®.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your Greater Nevada Credit Union account to another person’s bank account within minutes¹, Zelle® should only be used to send money to friends, family and others you trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Greater Nevada Credit Union nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Keeping your money and information safe is a top priority for Greater Nevada Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Greater Nevada Credit Union account safe.

You can send, request, or receive money with Zelle®. To get started, log into your Greater Nevada Digital Banking account. In the main menu, select “Transactions”. Then “Send Money with Zelle®”.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Greater Nevada Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.

2. Select Greater Nevada Credit Union.

3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Under the bi-weekly plan, you’ll make payments to your lender every two weeks instead of monthly, or half of your monthly payment. One important thing to note here is that this method will result in you making 26 half-payments each year, so you’ll have to budget accordingly. By making bi-weekly payments, you’ll comparatively make an extra monthly payment each year which will go toward reducing your principal amount and enable you to save on interest charges. In the end, this payment plan option is voluntary and it’s up to what you are comfortable with and what you can afford.

The answer depends on a variety of factors, including the principal loan balance, monthly payment amount, loan type (i.e. are you making car payments, mortgage payments or other?) and interest rate. Use our bi-weekly payment calculator above to determine how much you can save.

It’s a snap to calculate your monthly loan payment using our Simple Loan Calculator to run as many test scenarios you’d like, which you’ll find above. 

1. Determine how much money you would like to borrow.
2. Add in your desired loan term in years.
3. Add in the interest rate.
4. The calculator will handle the rest and estimate your monthly payment, and you can explore the loan amortization schedule as well.  

Many factors go into calculating the monthly payment on a loan: everything from the loan amount, the loan terms, the type of loan (student loans, home loans, auto loans, etc.), whether it’s a secure loan or an unsecured loan and so on.

Note that repayment of a loan requires that the borrower make a monthly payment to the lender. With each monthly payment, you pay down a portion of the loan principal, as well as monthly interest on the outstanding balance. Loan payments are amortized so that the monthly payment remains the same throughout the repayment term, but during that time, the percentage of the amount that goes toward principal starts lower and will increase as the outstanding loan balance decreases.

Greater Nevada proudly refinances student loans. Let us help you look for a lower interest rate and better terms (and ideally lower your monthly payments).

Including a co-signer to a student loan is very typical as most students may not have a strong credit history to get the best rate possible, or get approved for a higher amount to borrow. You can include information for a co-signer during the application process.

Full-time students aren’t the only applicants eligible to borrow for their education. Part-time students are eligible for student loans, too–as long as the funds go toward educational expenses only.

Both banks and credit unions offer student loans. At Greater Nevada, however, we offer student loans plus more: more personalized service, and more perks for students (like our free Student Cash Back Checking account, which rewards you for everyday purchases when qualifications are met. We strive to be your partners in financial wellness at the many different stages of life and offer plenty more free resources to help you Live Greater.

In general, students who intend to enroll in post-secondary education programs or schools are eligible for student loans. This includes undergraduate and graduate programs, professional career training programs, technical schools, and accredited vocational schools.

Requirements vary by financial institution, program, and borrower. At Greater Nevada, borrowers will also be required to qualify for membership, which is open to anyone living or working in Nevada’s 17 counties, or anyone immediately related to someone who does.

You may already know that personal loans can be used for just about anything–vehicle purchases included. However, if you’re unsure whether to use a personal loan or a recreational loan to purchase an RV, consider this: RVs are “luxury vehicles.” This means that the application process, as well as repayment terms, may differ–and be more complex–than personal loans. However, recreational loans are also eligible for unique insurance and protection plans to make financing and repayment simpler. Our expert lending team will be happy to explore all possible options with you.

Though requirements vary by lender, most financial institutions ask for at least 20% of the RV’s total cost as a down payment. Doing so can help you get the best interest rate available and make your monthly payments more affordable. Small down payments may result in higher interest rates, or non-approval based on the requested borrow amount.

In general, securing financing for RV loans is similar to securing financing for standard vehicle loans with a few other criteria depending on the RV type. A key part to approval is going to be related to your credit history. Interested to see where you stand with your credit report? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, financial tips, and more. All of this without impacting your credit score, and all online.

RV loan terms vary by financial institution and borrower. However, Greater Nevada is a not-for-profit financial cooperative, and our goal is to offer our members low interest rates and flexible terms. Well-qualified borrowers may be able to enjoy longer terms, especially if the minimum amount financed is $100,000 or more, at our credit union.

Qualifying for a recreational loan is a lot like qualifying for any other loan available through Greater Nevada. We’ll look at a few key pieces of information–credit history, income statements, and any other existing debt, for example–to determine eligibility, rates, and terms. Interested to see where you stand with your credit report? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, financial tips, and more. All of this without impacting your credit score, and all online.

Debt protection from Greater Nevada is there for you when major life events or emergencies stop you from making your normally scheduled payments. Add up to $75,000 in debt protection for a reasonable monthly fee and rest easy knowing you and your family are covered should something unforeseen happen.

Your monthly payment will depend on your recreational loan’s interest rate, as well as the total amount financed. You can use our handy loan calculator to run a few test scenarios to get an estimate of how much your possible monthly payment will be based on a particular interest rate and cost.

Recreational loans cover lots of different types of vehicles and trailers. Here are some of the most common:

• Motorhomes
• Fifth Wheels
• Travel Trailers
• Campers
• Utility Trailers
• Horse Trailers
• Boats
• Jet Skis
• Motorcycles
• Snowmobiles
• ATVs & UTVs

If you’re a member of Greater Nevada Credit Union, you’ve already taken the first step. Right Now Loan^® applicants must be at least 18 years old and have held a membership with us for at least 9 months. Members are limited to one Right Now Loan^® at a time.

Thanks to their lower APRs and longer monthly payment terms, PALs are much more flexible options for borrowers. If you qualify for a Right Now Loan^® with us, you can also borrow more money than you’d normally be able to with a payday loan.

Greater Nevada is a not-for-profit financial cooperative. We’re here to support our members with services that help you Live Greater–not profit from you with predatory lending practices.

Payday alternative loans (or PALs) are regulated by the National Credit Union Administration (NCUA). The program was created in 2010 with several stipulations for credit unions including prescribed loan amounts up to $1,000, a maximum APR of 28%, and full repayment after 6 months with no rollovers allowed.

The NCUA created a second PAL option in 2019 (named PAL II) that allowed members of participating credit unions to borrow up to $2,000, repayment terms up to 12 months, and immediately accessible funds.

You’ve probably heard of payday loans. Though they’re popular short-term funding options, they can be very difficult to repay. Most of them come from for-profit lenders and create debt entrapment situations that put borrowers in difficult situations.

Traditional payday loans are usually around $500 with fees ranging from $10 to $30 for every $100 borrowed! When you consider these terms, it’s easy to see why payday loans should be regarded with extreme caution.

Unlike most other loans, personal loans may be used for just about anything. Make value-adding home improvements, fund a major vehicle repair, or even consolidate multiple sources of debt to simplify your finances.

Looking for a more specific loan, or even a credit card? Our credit union offers many ways to fund projects, homes, vehicles, and more. Contact us to learn more about financing and get started.

You can apply for a personal loan at most banks and credit unions. However, credit unions tend to offer better rates to members.

The simplest way to get a personal loan at Greater Nevada is by applying online. You can also call us to talk with a member of our team in person. We’re always happy to walk you through the process or answer your questions!

Many lenders require fairly decent credit scores–somewhere in the mid-600s at minimum–for personal loans. However, a less-than-perfect credit history doesn’t automatically preclude you from getting a personal loan with Greater Nevada. Remember, the better your credit score, the more likely you are to get a better interest rate and increase the maximum amount you could borrow.

To qualify for a personal loan, take time to ensure your personal finances are in good condition. That means checking your credit score (and taking steps to improve it, if needed), paying down debt to improve your debt-to-income ratio, and gathering documents you’ll need for the application process: bank statements, personal identification, and employment pay stubs, to name a few.

Applying for a personal loan is a lot like applying for any other type of loan. Your credit score and credit history will be pulled, and you’ll need to bring along personal ID, proof of income, and a few other key documents. For more details, see personal loan requirements.

Borrowers with good credit scores generally qualify for better interest rates on personal loans. That’s because financial institutions are more likely to loan money to borrowers who have demonstrated a history of wise money management.

No. Personal loans come with a fixed interest rate, which means your monthly payment will always be the same–a fact that can provide peace of mind for your budgeting as you repay the funds you’ve borrowed.

Both options are considered unsecured loans (meaning they aren’t secured by assets like a mortgage is with a home or an auto loan is with a car), and many people use them to cover unexpected expenses and large purchases, but that’s where the similarities end. Personal loans offer borrowers a lump sum at a fixed rate and fixed repayment plan. Personal lines of credit are revolving (meaning you are only charged on what you use, and as you pay what you borrowed back, then it opens up those funds again to be used without needing to reapply) and have a variable interest rate that can go down or up depending on the interest rate changing.

There are many reasons for rejected personal loan applications. Some of the most common involve applicants’ credit scores, employment histories, and debt-to-income ratio. Less common reasons may be missing documentation, such as proof of income or identity.

As you prepare to apply for a personal loan, it’s a good idea to gather important information beforehand. Documents lenders ask to see include personal identification and social security number, proof of income/employment (tax statements, bank statements) and credit score/history. Learn more about personal loan requirements.

Because personal loans are unsecured loans (meaning they aren’t secured by assets like a mortgage is with a home or an auto loan is with a car), most lenders will want to see proof that applicants use good financial sense and have a history of smart money management. Good credit history, steady employment, and a strong debt-to-income ratio can all be signs that an applicant is a good candidate for a personal loan.

The short answer: it depends!

The long answer: there are many factors that influence your monthly payment. How much you borrow and your interest rate (and by extension your credit score) are the primary ones. You can use our personal loan calculator tool to get a feel for what your repayment schedule might look like if you are approved for a loan.

With personal lines of credit, borrowers will need to be mindful of the funds they use. A constantly high balance can be difficult to pay down and may affect your credit score. As with credit cards, personal loans, and other funding options, using good sense–and never borrowing more than you can afford to repay–will go a long way in enhancing your enjoyment of your PLOC. They also come with a variable interest rate instead of fixed interest rate (like a personal loan), which means it could go down or up depending on the interest rate changing.

When comparing funding options, consider this: applicants with good credit scores are more likely to be approved for PLOCs, and good credit scores generally earn better interest rates on loan terms. If you expect to make a large purchase, or need to field a large expense, a PLOC with a low interest rate might be a wise choice.

If you have a good credit score, chances are you’ll be eligible for a personal line of credit. This is because PLOCs are unsecured personal lines of credit (meaning they aren’t secured by assets like a mortgage with a home or an auto loan with a car). A good credit score indicates you’ll be able to repay what you borrow. For more details, read about our personal loan requirements.

The main requirement to apply for a loan from Greater Nevada is that you must be eligible for membership, which means that you live or work in any of Nevada’s 17 counties, or you’re an immediate family member of someone who does. If you’re not sure whether you’re eligible, or if you have questions about requirements, feel free to contact us or visit one of our branches.

It’s possible to get a loan online with bad credit, but it will most likely lead to a higher interest rate. Want to know how to improve your credit score to get a better rate? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, credit score simulator, financial tips, and more. All of this without impacting your credit score, and all online. If your credit isn’t great, we also suggest utilizing  free and confidential financial coaching through our partners at BALANCE Financial Fitness.

You can apply online for most of the loans Greater Nevada offers! This includes new and used auto loans, new and used recreational loans, personal loans, and personal lines of credit. Mortgages are also available to be applied for online through Greater Nevada Mortgage, GNCU’s home lending subsidiary.

Less-than-perfect and even bad credit doesn’t have to get the final word when it comes to applying for a loan–especially when you bank with us. At Greater Nevada, we strive to look beyond numbers when our members ask for our help to Live Greater. Our lending experts can help explore all options with you, even with imperfect credit.

Yes! Refinancing your existing motorcycle loan is a great way to lock in a lower interest rate and save money over the life of your loan. A cash out refinance, in which you borrow more than only the amount to pay off your existing loan, is also available under special circumstances. Our lending experts can help answer any questions you have when it comes to refinancing.

Rates and terms vary. As with most loans, the interest rate you receive for your recreational loan will depend on a few key pieces of personal information. Your credit score and history, your income, and any outstanding debt can all affect your rate.

There’s no single timeframe answer as it depends on many different factors, including your credit history and other personal information. It will also change depending on if you’re applying to get pre-approved or if you already have your eyes set on a specific one, buying from a dealership or from a private party, and other scenarios. The best thing you can do is to apply and then respond to verification requests from your loan consultant ASAP.

Interest rates are based on a variety of factors, including economic conditions as well as the Prime Interest Rate which is set by the Federal Reserve. They change constantly (both up and down), and that could be a big factor when choosing between a fixed rate or adjustable rate mortgage to refinance to.

The length of time it takes to go from application to closing on a refinancing loan will vary depending on seasonal and other factors, but generally it takes between four to six weeks to complete.

Yes. A hard inquiry will be required to pull your credit report and will impact your credit score. Also, because you’re taking on new debt, your credit score will be affected. Our advice: do not skip payments on your existing mortgage while you are refinancing. Make your payments on time, even when you think you will be closing soon. This protects your credit score.

In general, you should make at least three or four monthly payments on your initial mortgage before applying to refinance. It can also hinge on the type of loan you have, the included terms and conditions and your lender’s prescribed waiting period.

The process is similar to that of buying a home (minus the seller side of that equation). Because it involves creating a new mortgage, there are closing costs and origination fees associated with the transaction. Want to know if you can afford a rate and term refinance? Ask yourself whether you could recoup your closing costs in monthly savings in less than four years. If you will be in the house for longer than this period, then refinancing might be a smart move for you. You can run test scenarios through our mortgage refinance calculator to get a better sense of what your costs and savings might be.

Many different factors will go into the answer to this question. Your best first step will be to connect with a local GNM Mortgage Consultant to have your initial questions answered.

Generally, we’ll need to know your personal information, credit score, employment history as well as information about any outstanding debts, including credit cards. GNM offers a handy mortgage documents checklist so you know what information to gather.

We’ve made that one fairly easy. Simply head over to GNM’s mortgage calculator, tell us a little bit about your purchase price, down payment, preferred loan terms and we’ll calculate an estimated monthly payment for you.

That’s up to you, but we can help you decide. You may be investing in a rental property, buying your first home, downsizing or any number of other situations that will dictate which type of loan will work best for you. A local GNM Mortgage Consultant can work with you to see what options work best for your goals and situation.

While there is no magic number for getting a home loan, a general rule of thumb is that anything over 620 is considered good for increasing your chances of obtaining a loan with favorable terms. Interested to see where you stand with your credit report? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, financial tips, and more. All of this without impacting your credit score, and all online.

Loans are available for 1-2 unit, owner-occupied properties in the state of Nevada only. GNCU membership is required prior to loan funding. Additional terms and conditions may apply. A local GNM Mortgage Consultant can help answer any questions you have about a HELOC.

Fees and closing costs to establish a HELOC generally total between $0 – $1,500 and are paid by the borrower. There is a $75 annual fee beginning on the first anniversary date. There is also a $500 prepayment penalty if the HELOC is closed within 36 months of origination.

First, you must qualify for a membership with GNCU, which is open to anyone living or working in Nevada’s 17 counties, or you’re an immediate family member of someone who does. You must also have equity in your home to borrow against it. Greater Nevada also uses a combined loan-to-value ratio (CLTV) to determine eligibility. From there, your property’s value and your credit history are needed to determine whether you qualify. A local GNM Mortgage Consultant can help answer any questions you have about a HELOC.

A home renovation loan is like a home equity loan in which you would receive a single lump sum loan, but it could only be used on an approved home improvement project. A HELOC is a good option for homeowners who have built up equity over time of owning their home and want to access funds through a line of credit and not be limited to using it only for home improvements.

In each case, you use the equity you’ve built in your home as collateral for the loan, but that’s where they diverge. A Home Equity Loan involves a single disbursement of funds all at once at a fixed rate. A HELOC operates as a line of credit with a variable rate, similar to a credit card, but typically with a lower rate, making it a popular debt consolidation option for homeowners.

Typically, a credit score of 640 or better is required to obtain a HELOC from Greater Nevada. A number of factors, including your credit history, will be taken into account when we determine your eligibility for a HELOC. A local GNM Mortgage Consultant can help answer any questions you have about the approval process.

When taking out a loan for a home, it is essential to consider other fees and payments that may be associated with the loan beyond the basic loan amount, as outlined in the loan’s terms and conditions. Greater Nevada requires Private Mortgage Insurance (PMI) on conventional loans where the loan-to-value ratio (LTV) is more than 80% of the home’s original price or appraised value. If your down payment is less than 20% on a conventional loan, you must have PMI. The premium for the insurance is included in the monthly payments on your mortgage. Other fees may be applicable depending on the loan type.

Several different factors will play a part in determining what your monthly mortgage payment will be. They include, but not limited to, the term length, interest rate, type of mortgage, mortgage insurance premiums and, of course, the loan amount will all factor into a decision about how much your monthly payment will ultimately be. Applying and working closely with your GNM mortgage consultant will give you a better understanding of what your payments will look like.

Just like the snowflakes that fall gently in the many different mountains across the Silver State, each and every loan we offer is truly unique. Still, there are some common requirements for all loans. We’ll look at your credit score, your employment history, your assets, other loans and income to get a better picture of your eligibility. Other factors include loan amount, terms desired, debt-to-income ratios, down payment amount and location of your primary residence. If you want to start gathering things together now, then take advantage of GNM’s handy mortgage documents checklist.

The best way to get a low APR on a loan is to have an excellent credit history, be currently employed or have reliable income, have a high credit score and either use collateral for your loan or consider a high down payment. All of these factors will combine to help lower the interest rate we can offer you at GNCU.

Once again, the monthly payment on a $5,000 will vary greatly depending on the loan amount, loan type, credit history and other personal factors. We suggest calling us to learn more about monthly payments and loan options.

It depends on the type of loan product you’re seeking. While 10% would be relatively high for a mortgage or auto loan, it might be a more appropriate number for a personal line of credit or personal loan. Likewise, a student loan might approach 10%, but again, your personal credit score, credit history and other factors will come into play with any given loan you seek.

A good interest rate on a loan is one that tends to be found at most major financial institutions, local banks and credit unions for people with similar credit scores and credit histories to yours. You typically will not find major variances between these numbers, but as always, your credit score is a major factor. We caution you against using payday lenders, as their rates tend to be much higher than average.

Current loan rates are listed in real-time in the tables above on this page. See how much interest you might pay on recreational loans, personal loans, student loans, auto loans and others by bookmarking this page and revisiting it regularly as you apply for a loan. For information on real estate mortgage rates (including fixed rate mortgages), please visit our Greater Nevada Mortgage website.

The answer to this is a matter of opinion, but we humbly suggest that working with a locally-based community organization that puts its members first is a far superior experience to the alternative, which is to work with a corporation that answers to shareholders. In general, the interest rates and terms you find at a credit union are favorably comparable to what you will find at a traditional bank.

While there is no set credit score to obtain a loan, generally speaking a score of 600 or higher is the minimum needed to borrow money from a reputable lender. Of course, the higher the credit score, the better your chances of getting a loan at a better rate.

As detailed above, the eight steps to asking for a credit union loan are follows:

1. Determine loan needs
2. Check your credit score
3. Compare loan types
4. Decide whether a credit union is right for you
5. Can you meet the credit union membership requirements (not necessary for application, but for moving forward with the loan)
6. Gather pertinent documents
7. Call or apply online
8. Work with a consultant for guidance on next steps

As with many questions related to credit union personal loans, it depends largely on the type of loan you are seeking. Other than exploring our different loans on our website, we suggest you give our local lending team a call to see what options are available for your needs.

Most financial institutions across the nation will have a baseline of requirements, from examination of your credit report to seeking a detailed history of your employment, income and other debts. Beware of those that do not, such as payday lenders, who may charge extremely high interest rates with unreasonable terms. Working with a credit union means you are working with a team of local professionals who care about your financial health and that of the community. In summary, obtaining a loan from a bank vs. a credit union is likely a similar experience, but you reap more feel-good benefits when you work with a credit union.

Other personal loans and funding options are available through our credit union. Contact us or head over to our Personal Loans page to learn more.

It’s important to understand that you’ll be using your savings as collateral for your deposit secured loan. That means that if you default, your lender will recoup the funds from your accounts.

Deposit secured loans are great options for members who need to borrow the amount in their Share Savings account or Share Certificate while continuing to earn interest on their funds.

If you’re a member and have a Share Savings account or a Share Certificate with Greater Nevada, you can apply to use these as collateral for a deposit secured loan.

There are lots of good reasons to consolidate your debt. You may have several or just one. For example, if some of your debts come with high interest rates, you may be able to get a better rate when you consolidate.

If improving your credit is your first priority, consolidation can help with that, too. Just keep in mind that if your debt is more than half of your income, consolidation may not be the best way forward. Contact our lending team to explore your options–we’re happy to help.

If multiple debts are causing you stress and financial hardship, consolidating may help simplify your life. Depending on what avenue of consolidation you choose, such as a personal loan, personal line of credit, home equity line of credit, or home equity loan, you may even be able to get a better rate than what you’re currently paying on your existing debt.

Unfortunately, there is no single minimum credit score that applies in every debt consolidation scenario. Every borrower is different, and so is every “ideal” credit score.

Interested to see where you stand with your credit report? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, financial tips, and more. All of this without impacting your credit score, and all online.

Combining multiple sources of debt is a great way to improve your credit score, especially as you make payments on time. You might see a temporary dip in your score at first for a new credit inquiry and the opening of a new loan or line of credit should you find an option that suits your needs (this is common and normal), but give it some time–in the long run, with regular on-time payments, your score should improve.

Getting a car loan from a credit union can open up a world of ways to improve your finances. And when you choose Greater Nevada, you’ll gain members-only access to excellent interest rates, low (or no) fees, and products and services designed to improve your credit score and your savings. That’s the power of a credit union that puts members first.

Opening a new car loan will affect your credit score due to the new “hard inquiry” and loan on your record. That’s why it’s a good idea to wait a few months before refinancing–at least half a year, so your score can recover.

The answer to this depends on your situation, and if you have the funds available to pay off your existing loan. Keep this in mind: at Greater Nevada, there are no penalties for paying off your new loan early if you choose to refinance with us.

Refinancing your vehicle loan may cause your credit score to drop a little, at least in the beginning. But as you make regular payments, you should see it recover and possibly improve over time. There’s nothing like keeping up with scheduled payments to improve a credit score.

If you want to refinance your auto loan for a lower payment, consider this: refinancing almost any loan–auto, personal, home, or otherwise–can be a great option if you can secure a lower interest rate at the time. However, even if you need to extend your loan (and pay more interest in the long run) a lower monthly loan payment can be a great benefit, especially when your finances are a little tight.

If you qualify–that is, if you have equity in your car–you can opt for a cash-out refinance. It’s a great way to get funds quickly, especially if your car has a decent value.

Car loan requirements vary, but in general, they all share a few basic requirements:

• Credit history & credit score
• Proof of income
• Proof of residence & identity
• Vehicle information
• Proof of insurance

The short answer: it depends! The longer answer: your finances, your goals, and your short- and long-term plans can all influence this decision, so don’t rush it. Use our buy vs. lease car loan calculator to see snapshots of what your monthly payments might look like, or how much interest you’d pay for the two different options.

Again, having good credit is your best friend here. Opting for a shorter term length may also help you secure lower car loan rates–not just on a Payment Saver auto loan, but on others, too.

If you’ve already purchased a car and want to lower your monthly payment, consider refinancing. If you haven’t purchased a car yet but want to be sure you’ll get a lower payment, consider opting for a loan with a longer term (but note that you may pay more interest in the long run).

Having a good credit score is your key to being eligible for most auto loans, and the Payment Saver option is no exception. Read more about Greater Nevada’s car loan requirements or contact us to discuss your circumstances with a member of our lending team–we’ll work with you to determine the best course of action if you don’t meet certain criteria.

Rates change all the time, but you can rest easy knowing we’re committed to sharing the most competitive amounts with our members. Check our most current auto loan rates here.

To take advantage of our First-Time Car Buyer Loan Program, you must put down a minimum of 10%. Keep in mind: larger down payments can help to keep your monthly payment low, as well as prevent you from owing more money than your vehicle is worth in the long run.

All Greater Nevada auto loans must have full coverage on any vehicle for which we’re the lien holder. If you switch insurance, all we ask is that you send us a new proof of insurance. If your insurance lapses, you may be subject to force-placed insurance and any costs associated.

You’ll need the typical documentation required for loan applicants: personal identification, any credit history (remember, we accept applicants with little to no credit history at all), and for this particular loan, proof of continuous employment with no breaks for at least 12 months.

Not at all! In fact, the main appeal of this auto loan option is that you don’t need established credit.

It depends on your financial situation, but generally speaking, it’s a good idea to put down at least 20% on your prospective vehicle. That’s the threshold that can help protect you from depreciation and decrease your risk for owing more than the vehicle is worth–or being “upside down” on your auto loan.

Having a healthy credit score is one of the most important criteria for securing an auto loan. But if your credit isn’t great, it doesn’t have to be a dealbreaker. At Greater Nevada, we try not to turn away applicants for having imperfect credit scores. Instead, we look at a variety of things (like your credit history, collateral and if a co-borrower is involved to only name a few) to find solutions and a way forward.

Put simply, your loan’s term describes the repayment period–typically month by month. A long loan term might mean lower payments, but you’ll almost always pay more interest on the whole. A short loan term might mean higher payments, but you’ll save overall by paying less interest.

APR is expressed as a percentage and represents the cost you pay each year to borrow when factoring in the interest rate on the amount borrowed with any fees that will be included in the financing of your vehicle loan (and other loans, including personal and mortgages). It’s primarily influenced by your credit score and down payment amount.

If you have a lower credit score, or make a smaller down payment, your APR will likely be higher, and you’ll pay more interest over the life of the loan. Similarly, having good credit and making a larger down payment can save you money in the long run.

“Bad credit” means something different to everyone, depending on which credit union you bank with. At Greater Nevada, we offer financial products and tools designed to help car buyers bring their credit scores up on a case-by-case basis. If your original loan is burdensome, or if you’re looking for more financial flexibility, you may look to refinance your car loan with us.

There aren’t many shortcuts to improving a credit score, but there are a few things you can do to get back on track–especially if your credit score is middling rather than poor:

• Instead of making minimum payments, pay down your credit balance every month.
• Apply to have your credit limit increased (but don’t start spending more just because).
• Contact credit reporting agencies to check for errors on your report, or ask to have negative entries removed.
• As noted above, take advantage of our free My Credit Health feature within Digital Banking to learn tips on how to best positively affect your credit.

Our Credit Rebuilder Auto Loan Program was designed to help members get behind the wheel of a car they need while improving their credit, but not everyone with bad credit will qualify. If you’re unsure whether you’ll be approved, try these steps first:

• Improve your credit score first, and you can learn about the best way to do so by taking advantage of our free My Credit Health feature within Digital Banking.
• Bring aboard a well-qualified co-signer.
• Consider increasing your down payment amount to reduce the amount needing to be financed.

The right auto loan can be your key to independence–both financially and travel-wise. We offer a variety of loans designed to help many different people Live Greater by rebuilding credit, lowering interest rates, or keeping monthly payments affordable. Plus, when you apply for a loan and become a member, you’ll get access to other great financial products and services–including some that may only be available at a credit union like ours.

The short answer: it depends. The long answer: Vehicle loan interest rates and corresponding annual percentage rates (APRs) are subject to change at any time. Rates also vary by new and used cars. The good news is that at Greater Nevada, we’re committed to offering the best rates possible on all the loans we offer–not just for vehicles, either. Check our current rates here.

When you prepare an application for an auto loan, we’ll ask for a few important pieces of information, including but not limited to your personal identification, credit history, the amount you need to borrow, and any collateral you’re putting up for your purchase.

Approval for an auto loan can range from a few days to a few weeks. Applying to get pre-approved first can help expedite the process, and so is having required information and documents ready for your new purchase. Want to learn more? Give our expert team a call and they’ll be happy to help guide you through the process.

Different car loans come with different car loan requirements. Requirements might focus on your credit score, repayment status, and other personal financial information. Check above for requirements by loan, or contact us for more in-depth explanations.

If you’re thinking of getting a car loan from a credit union, they certainly offer some advantages over traditional banks. Greater Nevada Credit Union is a not-for-profit financial cooperative, which means our members enjoy perks like fewer fees and better interest rates, as well as access to specialized loan options designed to support financial wellness (like our Credit Rebuilder Auto Loan and First-Time Car Buyer Loan options).

A variety of factors that go into approving any given loan, including the terms and conditions, the borrower’s credit score and the type of boat being purchased. We can tell you that the average new boat costs between $60,000 and $70,000, with pre-owned boats potentially costing less. To get a better sense of how much your monthly payment will be, visit our online Loan Calculator.

There are many great reasons to work with a credit union as opposed to a traditional bank. Credit unions are built by the people, for the people and, in the case of Greater Nevada, it’s our local members who own the institution. Every member has an equal say in our not-for-profit financial cooperative, unlike banks which are operated by corporations and shareholders for the purpose of earning profits. So, we like to humbly think that yes, it is better to get a loan through a credit union.

As with many loans, it depends. Your credit score will be a major factor in determining how much you can borrow and rate. Other factors include the type of boat, your income, down payment amount,, and if a co-borrower will be involved to name a few.

The information needed to apply for a boat loan is generally the same as most other loans from Greater Nevada. You will need to fill out an application which will ask for your basic personal information, Social Security number, verification of employment or income. A credit report will be run to determine your ability to secure a loan for a boat. Additionally, we may also request specifics about the boat, such as make and model.

If you have been a Greater Nevada Credit Union member for at least 6 months: You could be eligible for a Right Now Loan^® that requires no credit check and is based on your banking relationship with us.

It is not unheard of for someone with a credit score of 500 or less to obtain a loan, but be cautious of those offering high-interest loans. These can often sink a person further into debt, creating an endless cycle. Contact us to work with a loan consultant to see what options could be available.

Often, people with bad credit or no credit turn to payday lenders for money. A word of warning: payday loans often come with unreasonable terms such as high interest rates that only serve to sink people further into debt. We recommend avoiding them if possible. Depending on your credit score, you may be eligible for a loan through Greater Nevada. Contact us to work with a local loan expert, whose goal is solely based on responsible lending practices to find the right option to meet your personalized needs.

Every situation is different, so there is no one easy answer to this question. However, Greater Nevada offers a host of resources to help you reform your credit, including the Credit Rebuilder auto loan. Contact us to work with a loan consultant to learn more about your options for your borrowing needs.

While there are many factors that go into a credit score and each case should be looked at individually, it is generally safe to say that a FICO credit score under 600 is considered a bad credit score. To qualify for a personal loan, lenders generally prefer a credit score higher than 600. Note that the higher your credit score, the more eligible you may be for lower interest rates and better loan terms. Interested to see where you stand with your credit report? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, credit score simulator, financial tips, and more. All of this without impacting your credit score, and all online.

The minimum and maximum amount you can borrow from a credit union like Greater Nevada varies by loan type, duration and other factors related to your current financial standing.

There is no magic number for a personal loan, because other factors like if a co-borrower will be involved could influence the decision. We recommend applying and working with a loan consultant to see what could be available.

First and foremost, choosing a credit union like ours means you’ll be working with a not-for-profit institution where our measurement of success isn’t maximizing revenue—it’s maximizing the value we bring to our members’ lives. We pride ourselves in being very involved at the community level. Being a member of our credit union helps build a stronger financial foundation for our area, right down to the individual level (and that means you). We offer a wide variety of loans at competitive rates to help our members meet their needs, and offer flexible rates with no hidden fees.

This also depends on the purpose of your loan. For Greater Nevada members and potential members looking for smaller loan amounts, there is a wide variety of loan products available, with varying terms and rates. Still, having a higher credit score is generally the best way to obtain the loan you’re seeking, and working with an expert loan consultant is the best way to sift through all the available options.

The answer to this depends on the purpose and loan type you’re looking for. While a loan for a home purchase will require many financial factors to come together, a smaller loan could potentially be easier to obtain.

Of course! Keep in mind the point of a savings account is to accumulate money over long periods of time. So, if you are considering using the money in your child’s account regularly, it may make more sense to explore a checking account from Greater Nevada.

The technical answer is yes, but your child would need to earn at least $700 in interest before your taxes are impacted. In most cases, a child’s savings account will represent all upside and no downside, as it helps them get a head start on life.

Believe it or not, it’s important to set up a savings account for a child as soon as they are born. That way, once they are old enough to learn enough about money, the foundation will be there as they learn to budget, spend and save wisely over their formative years.

Yes. Share Certificates are federally insured up to $250,000 by the National Credit Union Administration (NCUA), like all other funds deposited at Greater Nevada.

When you open a Share Certificate account, you agree to deposit a certain amount of money for a certain amount of time. The financial institution holding that money agrees to pay you a certain interest rate during that time. At the end of that period, when your Share Certificate “matures,” you can withdraw the new amount without penalties. But if you withdraw early, you’ll be subject to a penalty.

A Share Certificate and Certificate of Deposit (CD) are very similar. Each financial product has similar terms, and both are designed to help save and grow money over periods of time.
However, Share Certificates are offered by credit unions and federally insured by the National Credit Union Administration, while Certificates of Deposit (CDs) are offered by banks and federally insured by the Federal Deposit Insurance Corporation (FDIC).

Yes, but not with a debit card. You can take advantage of unlimited in-person or ATM withdrawals without fees from your account. You can also have up to six third-party withdrawals or transfers per month before any excessive withdrawal fees come into play.

The funds you deposit in your Greater Nevada Credit Union Money Market account (as with any account you open with Greater Nevada, in fact) are federally insured by the National Credit Union Administration up to $250,000.

Sometimes you need a little more flexibility with your money. You may also prefer an account that earns more than average checking accounts.
That’s where Money Market accounts come in with higher rates to earn more on your funds, but make sure that you pay attention to your daily balance and third-party withdrawals and transfers to avoid fees.

Money Market accounts typically offer higher yields than standard savings accounts, plus they also come with check writing privileges.

At Greater Nevada Credit Union, the first step is becoming a member of our not-for-profit, cooperative financial institution. It’s open to anyone who either works or lives in Nevada–or for those that have an immediate family member who does. Once you’re a member, we can help you choose a savings account that rewards you (or encourages you to grow your money).

A savings account can give you the peace of mind you need to Live Greater. You can rest easier knowing you’ve built savings that can cover you in case of emergency if you lose your job, are suddenly injured, need to repair your car, or simply cover an unexpected expense.

Savings accounts are for–you guessed it–saving money. Most are designed to give you quick and easy access to your money, making them great options for emergency funds.

Debit cards, especially Visa debit cards, are very safe thanks to the Zero Liability Policy which covers you in the event that your card is lost, stolen, or used fraudulently.¹ Plus, you can enjoy even more security by using the GNCU Cards app to take advantage of many different features to give you complete control over your GNCU Visa debit card.

In most cases, yes. That being said, you may be charged a fee if you withdraw funds at ATMs that are not included in the CO-OP Shared ATM network (which includes more than 30,000 ATMs throughout the country).

ATM cards and debit cards may sound similar, but there are a few key differences.
ATM cards are for withdrawing money out of an account from an ATM only.
Debit cards can be used to withdraw money from ATMs too. They’re more flexible, however, and can also be used to pay for purchases directly from the account.

Debit cards draw on funds from your checking account. Credit cards draw from your approved amount of credit. Debit card transactions usually happen instantaneously and can be seen in your account activity, while credit card transactions go toward a balance you’ll pay down at a later date–usually the end of the month and with interest.

The bad news is that initially, refinancing a loan will cause your credit score to lower. The good news is that in the long run, your credit score will bounce back as you make regular monthly payments on time.

It’s well worth your time to pay attention to going interest rates for mortgages. If you notice interest rates falling even half a percent, most financial experts agree: it’s a good time to look into refinancing a mortgage.

Every little bit counts–and every little bit adds up. A mortgage refinance that saves you even 1% could mean big monthly savings, especially if your loan amount is high. There are other factors to still consider, but it could be worth it to you to lower your rate by 1%.

Securing a lower interest rate is a great reason to refinance–in fact, it’s the most common. But there are lots of reasons to consider refinancing, including:

• Lowering your monthly payments.
• Switching from a variable rate mortgage to a fixed rate mortgage.
• Debt consolidation by utilizing your home’s equity through a cash out refinance.

When you refinance a home loan, you replace your original loan with a new loan–one with different terms and conditions, as well as a new (and ideally better) interest rate.

Opening a checking account is as easy as applying online or visiting your local Greater Nevada Credit Union branch. We’re happy to walk you through the process or explain other ways to save, grow, and manage your money.

Once you open a checking account, you can have money from your paycheck or other sources deposited. Then, you can use those funds to pay for purchases with your debit card, with checks, or with your routing and account number.

Our Aspire Checking account offers high-yield dividends on qualifying balances. You can also explore other interest earning deposit options like our Money Market account, Share Certificates (CDs), or savings accounts.

A checking account is an account primarily used for everyday banking activities of depositing and withdrawing money. You can also make electronic payments from checking accounts, as well as write checks for them or draw from them with a debit card.

At most traditional banks, shareholders are outside investors who collect profits. Depending on the number of shares they hold, they have a greater say in how the bank is operated, among other things. At most credit unions, shareholders are member-owners like you. Membership gives you representation. For example, Greater Nevada Credit Union has a Board of Directors (all members) who are elected by other members.

Dividend earnings depend on current rates for Share Savings accounts, as well as any other savings accounts you may hold with us. Dividends are compounded and paid monthly, and you can check out our current bank account rates to see what that could mean for you.

Do you earn dividends or interest when you bank with us? At traditional banks, interest is money (think of it like a fee) the bank owes you in exchange for letting them use your funds. At credit unions, however, members earn dividends–a percentage of the amount deposited and our way of giving back to you as a shareholder in our cooperative.

Share Savings accounts aren’t the only ways you can save with Greater Nevada Credit Union. We offer other share accounts to help you plan for the future, including share draft accounts (commonly known as checking accounts), Share Certificates (CDs), and Individual Retirement accounts.

Yes, GNCU offers several options for high-yield savings in addition to its checking offerings. Truth is, each bank out there is competing for your money, but as a member-owned, not-for-profit credit union, we are not beholden to shareholders or large corporations. We believe in helping the community learn about finances through incentives that help them keep more of what they earn. Learn more about GNCU savings accounts here.

Featuring a 5.00% APY rate, up to $9 in out-of-network ATM fee refunds, and waiver of the monthly service charge in qualifying months, our Aspire Checking account is one of the best high-yield checking account options around. Compare that with the national average for interest checking accounts and it becomes clear that our Aspire Checking account is well worth considering.

As the saying goes, it’s never too early to start saving for your future. Getting younger savers acquainted with money–saving it, spending it, and budgeting it–is a great idea. If you can start before your child goes off to college, even better. Students as young as 14 can open a Student Cash Back Checking account, so you could theoretically start today. Contact us to learn how!

Opening a student checking account with a credit union means you’ll get access to member-only benefits. At Greater Nevada Credit Union, that means:

• Option to earn cash back from purchases.
• No account or maintenance fees.
• Surcharge-free ATM access nationwide.
• Opportunity to open other types of accounts or loans offering competitive interest rates across the board.

Student checking accounts work like most average checking accounts, with a few extra benefits. They’re designed to help teenagers and young adults learn about everyday banking needs and get used to using a debit card while earning rewards.

High-yield checking accounts offer a higher-than-average rate of return while allowing you to actively access and spend your money, unlike high-yield savings accounts which typically require minimum balances, have withdrawal limitations, and may also have unavoidable monthly fees. High-yield checking accounts are meant to be used for your daily transactions such as shopping, eating out, paying bills and more.

Cash back checking accounts are checking accounts that give you cash when you use your debit card to make purchases. The cash is returned “back” to you each month as long as you meet the qualifications.

Unlike credit cards, not many debit cards offer the opportunity to earn cash back. But when you open a Cash Back Checking account with Greater Nevada Credit Union, you’ll receive a debit card that can earn cash back (plus other great rewards) each month when you meet qualification requirements.

Cash Back Checking accounts offer a certain percentage of the cash you spend “back” as a kind of reward. But rewards checking accounts and rewards cards offer incentives like entertainment credits, airline miles, and other perks in exchange for meeting certain requirements.

Here are some simple ways to kick-start your savings account.

• Set realistic savings goals based on your lifestyle and your abilities. When you reach one of those goals ($200, $400, $600, etc.), then celebrate with a small reward.
• Consider setting up automatic money transfers from your paycheck or other regular income sources. This will help automate some of the process and make saving a habit.
• Consider depositing your tax refund into your savings account. It’s a great way to boost your savings and reach your next big goal in (potentially) one fell swoop.

Ideally, your emergency savings should be kept (and regularly topped up) in bank accounts that reward you for contributing. Our I Can Save account is designed to reward you for growing your emergency funds, and this account is just the beginning. There are more ways to save with Greater Nevada Credit Union, including Money Market accounts, Share Certificates (CDs), and our high-yield Aspire Checking account, to name a few.

Knowing when to use your emergency fund can be difficult, but remember: that money is there to make your life easier. If the alternative is using a credit card or taking out a loan, consider using your emergency savings. Major car repairs, medical emergencies, urgent home maintenance, and losing your job are all situations that can be mitigated (at least partially) with your savings.

The ideal answer is “as much as possible.” Realistically speaking, almost anything is better than nothing, especially when starting. We created the I Can Save account to help our members build good savings habits. What’s right for you depends on where you live, your lifestyle, and other factors. As a guideline, many financial experts agree that having six months’ worth of living expenses saved is ideal.

Greater Nevada Credit Union HSA accounts are federally insured by the National Credit Union Administration (NCUA).

HSAs can be used to pay for qualifying medical expenses. These expenses may change from year-to-year, and the best way to determine whether something qualifies is by checking the official IRS website. Generally speaking, certain medical procedures, services, and medications are covered.

If you have your own health plan, you can open an HSA anytime. You can also open one during your open enrollment period if you have healthcare through your employer.

Only people with qualified high-deductible health plans are eligible to open a HSA. High-deductible health plans have lower premiums and higher deductibles than traditional plans. They’re considered forms of catastrophic coverage. To open a HSA with GNCU, you must also qualify for membership. Membership is open to anyone who either works or lives in Nevada or those with immediate family members who do.

To become a member and open a checking account with Greater Nevada Credit Union, you must either work or live in Nevada, or have an immediate family member who does, ,and be able to provide government issued identification and possibly other forms of proof of that residency or work–bills, pay stubs, and similar.

Checking accounts with credit unions operate a little differently from checking accounts with traditional banks. Because credit unions use their profits to benefit members, we’re able to offer perks like better rates and rewards, possibly fewer and lower fees, and you-centric financial resources.

Checking accounts are primarily used for depositing money, making purchases, and paying bills. Unlike savings accounts, which are used for longer-term funds storage, checking accounts are designed to support everyday banking uses.

In an increasingly digital world, it’s important that you’re able to access your money from anywhere. Credit unions and banks both offer online banking services (as well as mobile banking from our handy app). Learn more about what features are included in Greater Nevada Digital Banking.

Because credit unions are typically smaller financial institutions than the traditional big banks, they’ve joined forces to offer members more convenient access to services through the CO-OP Shared Branch network. That means you can visit and handle most banking needs at more than 5,600 branches at partner credit unions throughout all 50 states when you travel or move house. You can also have access to over 30,000 fee-free ATMs through the CO-OP Shared ATM network.

Most credit unions and banks are both federally insured. Some credit unions can opt for private insurance. Greater Nevada Credit Union (GNCU) is insured through the National Credit Union Administration (NCUA) instead of the Federal Deposit Insurance Corporation (FDIC). The NCUA is a government agency that protects credit union members’ share accounts in the event their credit union fails, just like the FDIC protects customer deposits at a bank. This means as a member of GNCU, your accounts are insured for up to $250,000 through the NCUA.

Both credit unions and banks offer the same selection of financial products and services: checking accounts, savings accounts, retirement accounts, loans, and credit cards, plus much more. Find out more about Greater Nevada Credit Union’s personal banking services or contact us for more information about small business banking, mortgages, financial services, and other benefits our credit union offers.

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.

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.

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.

A good interest rate on a savings account depends on the current economic environment, as interest rates constantly change based on factors like inflation, Federal Reserve policies, and market conditions. You should also consider factors like fees, minimum balance requirements, and access to funds because even a slight difference in rates can add up over time, especially if you’re building a substantial savings balance.

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. Rates vary by account type, and fees could reduce earnings.

It varies. But generally speaking, the longer your term and the more money you deposit, the more you’ll earn. At Greater Nevada, we offer Share Certificate terms ranging from three months to five years. Check our official Account Rates page for our most current rates on CDs and other deposit accounts.

Interest rates for different loans change regularly. For the most up-to-date information about interest rates for personal loans, car loans and more in Nevada, we recommend checking our official Loan Rates page. For home loans, check the latest mortgage rates at Greater Nevada Mortgage, GNCU’s expert home lending subsidiary.

Depending on the type of loan you’re seeking, different credit unions will offer different interest rates. Many different factors go into deciding interest rates on loans at Greater Nevada Credit Union, but as a not-for-profit, they are set to be competitive and as friendly as possible to our members to help more people Live Greater.

The simplest way to calculate monthly payments is by using our simple loan calculator, which will take into account everything needed to provide you a detailed loan payoff schedule.

Credit unions offer several advantages over traditional banks. Because they’re not-for-profit cooperatives, credit unions give their profits back to members in the form of financial perks: lower interest rates, better terms, and more flexible repayment options. Business lines are included.

At Greater Nevada Credit Union, we require businesses to have been in operation for at least one year in order to qualify for a line of credit. This is a fairly standard requirement, though other lenders may require at least two years in business (or even more, depending on where you shop).

If your business is in good financial standing, accessing a business line of credit should be a straightforward process. However, newer businesses may struggle to qualify because they don’t have the benefit of steady revenue that older businesses may have.

There are two main types of business lines of credit: secured and unsecured.

• Secured lines of credit are guaranteed by collateral–for example, your business property or business equipment. Because of this, secured lines tend to offer better interest rates.
• Unsecured lines of credit are not guaranteed by anything. Because of this, interest rates may be high, since there is no way for lenders to recoup money that isn’t paid back. The credit limit for these lines of credit may also be lower.

Like credit cards, but not exactly the same. Business lines of credit offer fast and easy access to the funds you need, as you need them, without locking you into a lump sum. You’ll have a credit limit, but you’ll only be responsible for paying what you use.

Whether a bank or credit union is a better fit for your business depends entirely on–well, your business! What are your financial goals? Is accessing better rates on savings and loans a priority for you? Are you interested in supporting (and earning returns on) a community cooperative? These are just a few of the questions we recommend considering before you decide.

As much as possible, of course. But in all seriousness, it depends on your business and the type of savings account you choose. We’re happy to help guide you and your business in the right direction.

Yes. Any savings account–personal or business–that earns interest is considered taxable income. If you earn over $10 in interest, you’ll receive a 1099-INT form from us that you can use to file your taxes.

When it comes to business accounts, credit unions offer many advantages over traditional banks. As not-for-profits, they typically offer better interest rates and charge fewer fees in the interest of supporting members of their union (as well as members of their community).

The difference between personal and commercial (business) checking accounts comes down to use. Personal accounts shouldn’t be used for business purposes; in fact, business accounts are often specifically designed to offer features and advantages that support business operations.

To qualify with Greater Nevada Credit Union, your business has to be registered and have a physical location in Nevada. You must also be an officer or owner, an authorized signer of legal business entities, and a U.S. resident. There are also a few pieces of information you’ll need to gather for your application, including: 

• Legal business name
• Business address
• Business tax ID number 
• Date business was established
• Applicant Social Security number
• Applicant date of birth
• Applicant mailing address 
• Applicant email address

Please be prepared to provide supplemental business documents as requested during your application process or within 5 business days.