What are the current interest rates at Greater Nevada Credit Union?

Current rates for Greater Nevada Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.30%, 24-Month CD: 3.35%, 60-Month CD: 3.50%, Savings: 0.05%, MMA: 0.50%

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Greater Nevada Credit Union

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Greater Nevada Credit Union Rates & Review July 2026

Q: Is a member application needed to join Greater Nevada Credit Union?

Yes, to access services at Greater Nevada Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Nevada Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 11, 2026

Greater Nevada Credit Union's 60 month IRA CD (CD) rates are at 3.50%, 60 month CD rates are at 3.50%, 48 month IRA CD (CD) rates are at 3.45%, 48 month CD rates are at 3.45%, 36 month IRA CD (CD) rates are at 3.40%. Greater Nevada Credit Union's savings rates are at 0.05%. Greater Nevada Credit Union's money market rates are at 0.50%. Greater Nevada Credit Union's Personal Loan Rates are at 4.00%. MonitorBankRates evaluates the financial stability of Greater Nevada Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 66.75%. Rates were last updated on 07/11/2026.

Greater Nevada Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Greater Nevada Credit Union? Share your experience about Greater Nevada Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Nevada Credit Union.

Overall Health & Safety Grade

High Risk Health Score: 27/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

66.75%

Weak Higher than avg

Greater Nevada Credit Union
Eagle Station Corporate Office

451 Eagle Station Ln
Carson City, NV 89701

https://www.gncu.org

Greater Nevada Credit Union CD Rates

Product	Rate	APY	Term
60 month IRA Share Certificate (CD)	3.45%	3.50%	60 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
60 month Share Certificate	3.45%	3.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
48 month IRA Share Certificate (CD)	3.40%	3.45%	48 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
48 month Share Certificate	3.40%	3.45%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
36 month IRA Share Certificate (CD)	3.35%	3.40%	36 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
36 month Share Certificate	3.35%	3.40%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
24 month IRA Share Certificate (CD)	3.30%	3.35%	24 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
24 month Share Certificate	3.30%	3.35%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
18 month IRA Share Certificate (CD)	3.25%	3.30%	18 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
18 month Share Certificate	3.25%	3.30%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
12 month IRA Share Certificate (CD)	3.20%	3.25%	12 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
12 month Share Certificate	3.20%	3.25%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
6 month IRA Share Certificate (CD)	3.06%	3.10%	6 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
6 month Share Certificate	3.06%	3.10%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
3 month IRA Share Certificate (CD)	2.96%	3.00%	3 Months
Min Deposit $500 Details Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
3 month Share Certificate	2.96%	3.00%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%

Greater Nevada Credit Union Savings Rates

Product	Rate	APY
Emergency Savings	-	6.00%
Min Balance $0 Details Qualifications Required: at least one deposit must post and clear; the total of all deposits must be less than $200.00; Qualifying balance up to $2,500.00. 0.05% APY applies when the balance is $2,500.01 and greater, or to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Limit of one I Can Save account per member. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will not be allowed for a period of two years from the date of account closure. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
Christmas Club Savings Account	0.05%	0.05%
No additional details. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
Health Savings Account	0.05%	0.05%
No additional details. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
Regular Share Savings Account	0.05%	0.05%
Min Deposit $5 Details The minimum opening deposit is $5.00. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
Youth Share Savings Account	0.05%	0.05%
No additional details. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%

Greater Nevada Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.00%	1.00%
Min Balance $50,000 Details 0.50% APY applies to balances of $0.01 - $50,000.00. 1.00% APY applies to balances of $50,000.01 +. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%
Money Market Account	0.50%	0.50%
Min Balance $0 Details 0.50% APY applies to balances of $0.01 - $50,000.00. 1.00% APY applies to balances of $50,000.01 +. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%

Greater Nevada Credit Union Checking Rates

Product	Rate	APY	View More
Aspire Checking	-	4.00%
Min Balance $0 Details Qualifications Required: 9 debit card purchases must post and clear; at least one direct deposit received; be enrolled to receive electronic statements (eStatements); Qualifying balance up to $25,000.00. 0.05% APY applies to balances over $25,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Other rewards received when monthly qualifications are met include up to $9.00 in out-of-network ATM fee rebates and waiver of the $15.00 monthly service fee. Proof of ATM fees of $5.00 or more may be required to process the fee rebate. For rebates of individual ATM fees of $5.00 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Available to personal accounts only. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%

Greater Nevada Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	5.99%
Details Intro rate expires: 6-month period from the date of account opening; Regular APR: 8.75% - 17.75%. The introductory APR will automatically terminate at the end of the 6-month introductory period, and the borrower's approved APR will apply thereafter. No notice to borrower required. Offer is subject to change or cancellation without notice except as required by law. APR can vary and is based on the Prime Rate plus a margin of 2.00% - 2.50% based on the borrower's credit rating and other qualifications. The APR is subject to change each month, based on changes to the highest Prime Rate published in the Wall Street Journal "Money Rates" table. Up to 80% combined loan-to-value (CLTV) is available with credit lines from $25,000.00 - $450,000.00, subject to collateral type and borrower qualifications. Fees and closing costs to establish a HELOC generally total between $0.00 - $1,500.00 and are paid by the borrower. $75.00 annual fee beginning on the first anniversary date. $500.00 pre-payment penalty if the HELOC is closed within 36 months of origination. Loans are available for 1 - 2 unit, owner-occupied properties in the state of Nevada only. Greater Nevada Credit Union membership is required prior to loan funding, which is open to anyone living or working in any of Nevada's 17 counties and members of their immediate family. Additional terms and conditions may apply. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax-deductible for Federal Income Tax purposes. Borrowers should consult a tax adviser for further information regarding the deductibility of interest and charges. This is not a credit decision or a commitment to lend. Contact a Mortgage Consultant to learn full loan details. You may contact one directly or call Greater Nevada Mortgage at 775-888-6999 or 800-526-6999. We do business in accordance with the Federal Fair Housing Law, the Equal Opportunity Act, and the California Fair Employment and Housing Act. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%

Greater Nevada Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.00%	36 months
Details As Low As; 90 Days With No Payments. Lowest rate shown assumes excellent borrower credit history, financing a direct new or used auto loan less than two years old at a 36-month loan term, and includes a 0.25% rate discount for a loan-to-value below 90% available for well-qualified borrowers. Not all applicants will qualify for the lowest rate. Payment example: A new auto loan of $20,000.00 financed at 4.00% APR for 36 months equals a payment of $590.48 per month. 90-day no pay offer is based on approved credit. Payment Saver Auto Loans, existing GNCU loan refinances, and plus program loans are not eligible. If accepted, it will extend your loan by three (3) months, and finance charges will accrue on unpaid principal. Offer is subject to change or cancellation without notice except as required by law. Last Updated 07/11/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 66.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Greater Nevada Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Greater Nevada Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Greater Nevada Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Nevada Credit Union

Website https://www.gncu.org

Address 451 Eagle Station Ln, Carson City, NV 89701

Phone 775-882-2060

Fax 775-884-5353

President Bill Arensdorf

CEO Daniel DeLaRosa

Full-Time Employees 301

Part-Time Employees 0

Branch Locations 14

ATM Locations 15

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

1.0 / 5.0 ★

Overall Health & Safety Grade

F (27/100)

Texas Ratio

66.75%

Return on Assets (ROA)

0.2059%

Return on Equity (ROE)

3.8161%

Non-Performing Loans Ratio (NPL)

5.67%

Total Assets

1,686,580,672

Total Amount of Shares and Deposits

1,589,930,084

Total Shares and Deposits < 1 Year

1,532,675,242

Total Shares and Deposits 1 3 Years

55,272,867

Total Shares and Deposits > 3 Years

1,981,975

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

127,057,157

Total Uninsured Shares and Deposits > $250K (F+J)

127,057,157

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,462,872,927

Total Interest Expense (Sum of items 6 8)

19,223,721

Share Certificates

10,705

Number of Accounts for Share Drafts

66,052

IRA KEOGH Accounts

1,893

Number of Accounts for Regular Shares

100,509

All other shares

921

Money Market Shares

3,923

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

92,943,128

Total Liabilities

1,613,136,796

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Greater Nevada Credit Union

How many branches does Greater Nevada Credit Union operate?

Greater Nevada Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Greater Nevada Credit Union?

Yes, to access services at Greater Nevada Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Greater Nevada Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Nevada Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Nevada Credit Union offer online and mobile banking?

Most modern institutions like Greater Nevada Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gncu.org.