Live Greater
Personal Banking
Our measurement of success isn’t maximizing revenue; it’s maximizing the value we bring to our members’ lives through banking solutions made for Nevadans and their families.
Auto Loan Rates as Low as 4.00% APR1 + 90 Days With No Payments2
High-Yield Aspire Checking With 4.00% APY on Qualifying Balances up to $25,0003
I Can Save Emergency Savings With 6.00% APY on Qualifying Balances up to $2,5004
More You Should Know About
The convenience and benefits you expect. Two options to earn cash from your everyday purchases!
A Home Equity Line of Credit not only unlocks your access to funds for your needs, but you can take advantage of a low introductory rate for the first 6 months to get started.
GNCU is proud to help more people pursue their undergraduate, technical, or trade school education goals. Apply by March 20!
Discover low-cost financing for motorcycles, RVs, boats, and other recreational vehicles and trailers.
You can spend less to cheer on Lake Tahoe’s home hockey team at the Tahoe Blue Event Center.
Be ready for life’s surprises because the right coverage can make all the difference when it matters most.
Personal Banking With Peace of Mind
Greater Nevada Credit Union (GNCU) is a community-owned and operated financial institution for the people and by the people of Nevada. Our goal is to bring value to your life so you can live your best life.
Financial Wellness for Our Communities
When we work together, we accomplish incredible things. See how GNCU helps educate its members while helping them reach their financial goals across NV.
We are a community of people who are committed to helping each other. Our Live Greater Stories series highlights the passions, lives, and businesses of our members, and the ways in which we helped them meet their goals and fulfill their dreams.
1 Annual Percentage Rate (APR) effective October 15, 2025. Rates and conditions are subject to change without notice and vary based on creditworthiness, loan term, vehicle age, vehicle mileage, and other factors. 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 financed at 4.00% APR for 36 months equals a payment of $590.48 per month.
2 90-day no pay offer is based on approved credit. Offer is available for auto loans with application submitted by June 30, 2026. 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.
3 Annual Percentage Yield (APY) effective February 1, 2026, and subject to change without notice. Aspire Checking accounts earn 4.00% APY on qualifying balances up to $25,000. Rate tiers are as follows: 4.00% APY applies to balances of $0.01 – $25,000.00, and 0.05% APY applies to balances over $25,000.00 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Other rewards received when monthly qualifications are met include up to $9 in out-of-network ATM fee rebates and waiver of the $15 monthly service fee. Proof of ATM fees of $5 or more may be required to process the fee rebate. For rebates of individual ATM fees of $5 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, one direct deposit received, and account statements delivered via eStatements. “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Fees could reduce the earnings on the account. Membership requirements apply. Available to personal accounts only.
4 Annual Percentage Yield (APY) effective January 1, 2025, and subject to change without notice. I Can Save account rate tiers are as follows: 6.00% APY applies to balances of $0.01 – $2,500.00 if qualifications are met during the monthly qualification cycle. 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. Monthly qualifications are at least one deposit must post and clear, and the total of all deposits must be less than $200.00. 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.
4 Annual Percentage Rate (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. The minimum base APR is 8.75%, and the maximum base APR is 17.75%. 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. Rates, terms, and conditions are effective as of March 16, 2026, and are subject to change without notice. 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.
4 The Home Equity Line of Credit (HELOC) introductory Annual Percentage Rate (APR) of 5.99% is available for all new HELOCs for a 6-month period from the date of account opening. 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.