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Great Basin Federal Credit Union

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Great Basin Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Great Basin Federal 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 and Verified: August 28, 2026

Great Basin Federal Credit Union's Conventional 15 Year Fixed rates are at 5.99%, VA 30 Year Fixed rates are at 6.12%. Great Basin Federal Credit Union's Personal Loan Rates are at 4.25%. MonitorBankRates evaluates the financial stability of Great Basin Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.89%. Rates last updated and verified on 08/28/2026.

Great Basin Federal 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 Great Basin Federal Credit Union? Share your experience about Great Basin Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Great Basin Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.89%

Excellent Higher than avg

Great Basin Federal Credit Union
Main Branch

9770 S Virginia St
Reno, NV 89511 5941

https://www.greatbasin.org

Great Basin Federal Credit Union Checking Rates

Product	Rate	APY
High Yield Reward Checking	0.05%	4.50%
Min Balance $15,000 Details Qualifications Required: Must elect to receive monthly statements electronically; Must have a minimum of one (1) Automated Clearing House (ACH) credit or ACH debit post and clear the checking account during the month; and Must have a minimum of fifteen (15) debit card transactions (excluding ATM transactions) post and clear the account during the month.; When qualifications are met, balances up to $15,000.00 receive APY of 4.50%; balances over $15,000.00 earn 0.05% interest rate on the portion of the balance over $15,000, resulting in a range from 0.05% to 4.50% APY depending on the account's balance. ATM fee reimbursements up to $5.00 per month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
High Yield Reward Checking	0.01%	0.01%
Details When qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

Great Basin Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional 15 Year Fixed	5.99%	1.000	6.44%
Details 60% LTV Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
VA 30 Year Fixed	6.13%	1.000	6.69%
Details 100% LTV Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Conventional 30 Year Fixed	6.25%	1.000	6.99%
Details 60% LTV Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Mortgage	6.63%	-	6.99%	30-Year Fixed
Details 60% LTV* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
FHA 30 Year Fixed	6.13%	1.000	7.23%
Details 96.5% LTV Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

Great Basin Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	16.00%	10 years
Details Variable rate up to 16.00% APR*; Borrow from $10,000 to $250,000, up to 80% of Combined Loan to Value (CLTV); No closing costs; Access your funds online, in a branch, or with a check; All payments are principal + interest, not interest-only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

Great Basin Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.25%	Max. Term 48 Months
Details $5,000 to $9,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	4.75%	Max. Term 48 Months
Details $5,000 to $9,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Payment Saver Auto Loan	-	-	5.25%	up to 72 months
Details Low-payment alternative to leasing. New & used cars and trucks. Ask for details. Rate is increased 1% for mileage over 75,000; Rates stated as annual percentage rate (APR). Loan rates as of 12/1/2025 and current as of today; rates subject to change without notice. Additional lending policies may apply. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history. Existing Great Basin loans not eligible for refinance. 25 basis points will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more. 50 basis points. Member loyalty criteria must be met to qualify for rate discount. Contact credit union for specific requirements and eligibility. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	6.00%	Max. Term 72 Months
Details $15,000 to $24,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	6.25%	Max. Term 72 Months
Details $15,000 to $24,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	6.50%	Max. Term 84 Months
Details Over $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	6.75%	Max. Term 48 Months
Details $5,000 to $9,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	8.25%	Max. Term 72 Months
Details $15,000 to $24,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	8.75%	Max. Term 84 Months
Details Over $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	10.75%	Max. Term 48 Months
Details $5,000 to $9,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	12.25%	Max. Term 72 Months
Details $15,000 to $24,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	13.25%	Max. Term 84 Months
Details Over $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	15.75%	Max. Term 48 Months
Details $5,000 to $9,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	16.25%	Max. Term 72 Months
Details $15,000 to $24,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	16.75%	Max. Term 48 Months
Details $5,000 to $9,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Auto Loan	-	-	17.25%	Max. Term 72 Months
Details $15,000 to $24,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

Great Basin Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	11.25%
Details Credit Score: 680; Max Credit Limit: $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Visa® Credit Card	-	11.25%
Details Fixed, Low Rate; Limits from $250 to $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Credit Card	-	13.25%
Details Credit Score: 650-679; Max Credit Limit: $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Credit Card	-	15.25%
Details Credit Score: 625-649; Max Credit Limit: $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Credit Card	-	17.25%
Details Credit Score: 600-624; Max Credit Limit: $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Credit Card	-	18.00%
Details Credit Score: <599; Max Credit Limit: $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Great Basin Federal 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 Great Basin Federal 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 Great Basin Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Great Basin Federal Credit Union

Website https://www.greatbasin.org

Address 9770 S Virginia St, Reno, NV 89511 5941

Phone 775-333-4228

Fax 775-789-3157

President Ron Korman

CEO Jennifer Denoo

Full-Time Employees 64

Part-Time Employees 2

Branch Locations 4

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.89%

Return on Assets (ROA)

0.8013%

Return on Equity (ROE)

7.4600%

Non-Performing Loans Ratio (NPL)

1.39%

Total Assets

351,032,479

Total Amount of Shares and Deposits

311,634,636

Total Shares and Deposits < 1 Year

299,540,027

Total Shares and Deposits 1 3 Years

9,989,483

Total Shares and Deposits > 3 Years

2,105,126

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

5,261,831

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

5,261,831

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

306,372,805

Total Interest Expense (Sum of items 6 8)

2,834,373

Share Certificates

2,052

Number of Accounts for Share Drafts

14,675

IRA KEOGH Accounts

Number of Accounts for Regular Shares

28,822

Money Market Shares

678

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

54,198,319

Total Liabilities

313,798,699

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Great Basin Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Great Basin Federal Credit Union

How many branches does Great Basin Federal Credit Union operate?

Great Basin Federal 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 Great Basin Federal Credit Union?

Yes, to access services at Great Basin Federal 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, Great Basin Federal 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, Great Basin Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Great Basin Federal Credit Union offer online and mobile banking?

Most modern institutions like Great Basin Federal 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.greatbasin.org.