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Greater Nevada Credit Union

Rates

Auto Loans

ProductRate As Low AsAPR* As Low AsTerms
New & Used Auto Loans2.79%2.87%Up to 60 Months
Used Auto Loans2.89%2.97%Up to 60 Months

* APR = Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged, if applicable.

Repayment Examples:
For a 36-Month New or Used Vehicle Loan: at 2.79% APR, 36 monthly payments of $28.98 per $1000 borrowed.
For a 60-Month New or Used Vehicle Loan: at 2.92% APR, 60 monthly payments of $17.87 per $1000 borrowed.

Recreational Loans

ProductRate As Low AsAPR* As Low As
New RV/Personal Power Craft4.55%4.59%
Used RV/Personal Power Craft4.55%4.59%

* APR = Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged, if applicable.

Repayment Examples:
For a 144-month new or used RV loan: at 4.55% APR, 144 monthly payments of $8.97 per $1000 borrowed.

Mortgages

Based on a $200,000 Loan

TermsRate As Low AsAPR* As Low As
Conventional 30-Year Fixed3.875%3.979%
Conventional 15-Year Fixed3.125%3.325%
FHA - 30-Year Fixed3.250%4.814%
USDA - 30-Year Fixed3.375%3.493%
5-5 ARM3.000%4.028%
Jumbo 30-Year Fixed4.125%4.225%

* APR = Annual Percentage Rate. Loan amount based on equity and credit approval. Base rate based on prime rate as published in the Wall Street Journal, subject to monthly adjustments as the index changes. The floor is indexed to the prime rate and the ceiling is 17.75% APR. The $75 annual fee is waived for the first year. Other terms and conditions apply. Rates, terms and conditions subject to change without notice. Property values determined by appraisers selected and approved by Greater Nevada. Property insurance required. All loans are subject to credit approval.

Repayment Examples: For Home Equity Loans: at 7.00%, 240 monthly payments of $7.75 per $1000 borrowed.

Personal Loans

ProductTermRate As Low AsAPR* As Low As
Personal Line of CreditOpen EndN/A11.40%
Personal LoanUp to 60 Months9.95%10.38%

* APR = Annual Percentage Rate. Rates, Terms and Conditions are subject to credit approval and collateral pledged.

Aspire Checking

TierAPY*
$0.01 - $10,000 2.50%
$10,000 +0.05%
Non-Qualifying0.05%

Qualifying for the high-yield and ATM fee refunds is so easy, you're probably already doing it. Simply do the following each monthly qualification cycle:

* Have at least 15 debit card purchases post and clear per monthly qualification cycle

* Have at least one Direct Deposit post and clear per monthly qualification cycle

* Receive online eStatements

If you don't meet the requirements during one monthly qualification cycle, no rewards will be earned and the service charge will apply. But don't worry! You can get back to earning the rewards the very next monthly qualification cycle.

*APY is Annual Percentage Yield.

Rate tiers are as follows: 2.50% APY applies to balances of $0.01 - $10,000.00 and 0.05% APY applies to balances over $10,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Rates may change at any time after the account is opened. Fees may reduce earnings.

Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.

Membership requirements apply.

Available to personal accounts only.

Health Savings Account

Rates Effective January 28, 2014

TierRateAPY*
 0.049%0.05%

* APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date above. Dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

Savings Accounts

AccountMinimum BalanceRateAPY*
Share SavingsNone0.049%0.05%
Christmas Club None0.049%0.05%
Minor SharesNone0.049%0.05%
Savasaurus SharesNone0.049%0.05%
    

* APY = Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with Greater Nevada Credit Union. All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time.

Money Market

Rates Effective January 1, 2013

TierRateAPY*
$0.01 - $2,499.990.049%0.05%
$2,500 - $9,999.990.049%0.05%
$10,000 - 24,999.99 0.149%0.15%
$25,000 - $49,999.990.199%0.20%
$50,000 +0.199%0.20%

* APY = Annual Percentage Yield.

Certificate Accounts

Rates Effective June 22, 2014

TermsMinimum Balance $1,000 RateMinimum Balance $1,000 APY*Minimum Balance $10,000 RateMinimum Balance $10,000 APY*Minimum Balance $50,000 RateMinimum Balance $50,000 APY*
3 Months0.049%0.05%0.099%0.10%0.099%0.10%
6 Months0.049%0.05%0.099%0.10%0.099%0.10%
12 Months0.199%0.20%0.299%0.30%0.299%0.30%
18 Months0.399%0.40%0.499%0.50%0.499%0.50%
24 Months0.549%0.55%0.648%0.65%0.648%0.65%
30 Months0.598%0.60%0.698%0.70%0.698%0.70%
36 Months0.747%0.75%0.847%0.85%0.847%0.85%
48 Months0.946%0.95%1.045%1.05%1.045%1.05%
60 Months1.144%1.15%1.243%1.25%1.243%1.25%

* APY = Annual Percentage Yield. The minimum balance to open a Certificate of Deposit is $1,000. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificate of Deposit earn .25% less than rates disclosed for compounding products. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. The rates quoted above are accurate and effective for the above accounts. Rates subject to change. If you have any questions or need current rate information on your accounts, please call 775-882-2060.

IRA Shares

Rates Effective April 1, 2012

TierRateAPY*
 0.049%0.05%

* APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date below. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

IRA Certificates

Rates Effective June 22, 2014

TermsMinimum Balance $1,000 RateMinimumBalance $1,000 APY*Minimum Balance $10,000 RateMinimum Balance $10,000 APY*Minimum Balance $50,000 RateMinimum Balance $50,000 APY*
12 Months0.199%0.20%0.299%0.30%0.299%0.30%
18 Months0.399%0.40%0.499%0.50%0.499%0.50%
24 Months0.549%0.55%0.648%0.65%0.648%0.65%
30 Months0.598%0.60%0.698%0.70%0.698%0.70%
36 Months0.747%0.75%0.847%0.85%0.847%0.85%
48 Months0.946%0.95%1.045%1.05%1.045%1.05%
60 Months1.144%1.15%1.243%1.25%1.243%1.25%

* APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the dates below. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

IRA Certificates - Special Distribution

Rates Effective June 22, 2014

TermsMinimum Balance $1,000 RateMinimum Balance $1,000 APY*Minimum Balance $10,000 RateMinimum Balance $10,000 APY*Minimum Balance $50,000 RateMinimum Balance $50,000 APY*
12 Months0.049%0.05%0.049%0.05%0.049%0.05%
18 Months0.149%0.15%0.249%0.25%0.249%0.25%
24 Months0.299%0.30%0.399%0.40%0.399%0.40%
30 Months0.349%0.35%0.449%0.45%0.449%0.45%
36 Months0.499%0.50%0.598%0.60%0.598%0.60%
48 Months0.698%0.70%0.797%0.80%0.797%0.80%
60 Months0.896%0.90%0.995%1.00%0.995%1.00%

* APY = Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date below. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates subject to change. If you have any questions or need current rate information on your accounts, please call (775) 882-2060.

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