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Great Basin Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 12, 2026
Great Basin Federal Credit Union's top rates as of October 12, 2026 are 3.60% APY on its 18 Month Term CD, 4.50% APY on checking, 7.00% on its Conventional 15 Year Fixed mortgage, auto loans from 4.25% APR, and credit cards from 11.25% APR, according to rates verified by MonitorBankRates. Other Great Basin Federal Credit Union CD rates include 12 Month Term CD at 3.55%, 1 Year Achieve My Dream CD at 3.50%, and 1 Year Payday CD at 3.50%. Other Great Basin Federal Credit Union mortgage rates include Mortgage (30-Year) Fixed Conforming at 7.50%, VA 30 Year Fixed at 7.12%, and Conventional 30 Year Fixed at 7.50%. 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 7.21%. Rates last updated and verified on 10/12/2026.
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.
Great Basin Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Great Basin Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
7.21%
ExcellentHigher than avg
Great Basin Federal Credit Union Texas Ratio
Great Basin Federal Credit Union's Texas Ratio is 7.21%, which is considered excellent and is higher than the national average of 6.13%.
Great Basin Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.44% to 7.21% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Great Basin Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
18 Month Term Share Certificate
3.55%
3.60%
18 months
Min Deposit$1,000
DetailsMinimum $1,000 Deposit
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
12 Month Term Share Certificate
3.50%
3.55%
12 months
Min Deposit$1,000
DetailsMinimum $1,000 Deposit
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
1 Year Achieve My Dream Certificate
3.46%
3.50%
1 years
Min Deposit$250
DetailsMiscellaneous Certificate Rates; $250 min. 1 yr term; Jr. Savers & Young Investors only
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
1 Year Payday Certificate
3.46%
3.50%
1 years
Min Deposit$250
DetailsMiscellaneous Certificate Rates; $250 min. 1 yr term
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
2 Year Term Share Certificate
3.36%
3.40%
2 years
Min Deposit$1,000
DetailsMinimum $1,000 Deposit
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 6 times
No change since Sep 12, 2026 · 3.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
6 Month Term Share Certificate
3.21%
3.25%
6 months
Min Deposit$1,000
DetailsMinimum $1,000 Deposit
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Great Basin Federal Credit Union Checking Rates
Product
Rate
APY
View More
Free High Yield Reward Checking
-
4.50%
Min Deposit$0
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $15,000.00; Balances over $15,000.00 earn 0.05% on the portion above $15,000 (range 0.05% to 4.50% APY); ATM fee reimbursement up to $5.00 per month; no monthly fees; when qualifications are not met, all balances earn 0.01% APY
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
High-Yield Checking
4.41%
4.50%
DetailsQualifications Required; Qualifying balance up to $15,000.00; Monthly qualifications apply; Limit 1 Reward Checking per primary member Social Security Number
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Great Basin Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage (30-Year) Fixed Conforming
-
-
7.50%
30 years
Details60% LTV; based on $350,000 loan amount and 740+ credit score; rates as of 10/5/2026
No change since Oct 8, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Great Basin Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit Up to 80% CLTV
-
-
7.50%
DetailsAs Low As; Current Rate: 7.50% (Prime + 0.50); Rates stated as APR; Early closure fees may apply if closed within 36 months
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Sep 20, 20267.50%▲ from 7.25%
Sep 12, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Solar Panel Home Equity Loan
-
-
8.25%
DetailsAs Low As; Current Rate: 8.25% (Prime + 1.25); Rates stated as APR; Early closure fees may apply if closed within 36 months
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00%
Sep 20, 20268.25%▲ from 8.00%
Sep 12, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Fixed Rate Home Equity
-
-
8.50%
DetailsAs Low As; Current Rate: 8.50% (Prime + 1.50); Rates stated as APR; Early closure fees may apply if closed within 36 months
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25%
Sep 20, 20268.50%▲ from 8.25%
Sep 12, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Home Equity Line of Credit Up to 100% CLTV
-
-
10.00%
DetailsAs Low As; Current Rate: 10.00% (Prime + 3.00); Rates stated as APR; Early closure fees may apply if closed within 36 months
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
Sep 20, 202610.00%▲ from 9.75%
Sep 12, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Great Basin Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
4.25%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: 720+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
4.25%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: 720+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
4.75%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: 700-719
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
4.75%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: 700-719
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 4.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
5.25%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: 680 - 699
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
5.25%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: 680 - 699
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Payment Saver Auto Loan
-
-
5.25%
Up to 72 months
DetailsPublished APR range: 5.25% to 9.25%. 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 APR
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.00%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 720+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.25%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 700-719
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.50%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: 720+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.75%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: 700-719
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.75%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: 650 - 679
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.75%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: 650 - 679
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
6.75%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 680 - 699
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
7.25%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: 680 - 699
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
8.25%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 650 - 679
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
8.75%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: 650 - 679
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
10.75%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: 625 - 649
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 10.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
10.75%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: 625 - 649
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 10.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
12.25%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 625 - 649
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 12.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
13.25%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: 625 - 649
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 13.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
15.75%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: 600 - 624
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 15.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
15.75%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: 600 - 624
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 15.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
16.25%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 600 - 624
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 16.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
16.25%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: 600 - 624
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 16.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
16.75%
Up to 48 months
DetailsLoan Amount: $5,000 to $9,999; Credit Score: <599
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 16.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
16.75%
Up to 60 months
DetailsLoan Amount: $10,000 to $14,999; Credit Score: <599
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 16.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
17.25%
Up to 72 months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: <599
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 17.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Auto Loan
-
-
17.25%
Up to 84 months
DetailsLoan Amount: Over $25,000; Credit Score: <599
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 17.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Great Basin Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Credit Card
-
11.25%
DetailsCredit Score: 680+; Max Credit Limit: $10,000
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 11.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Credit Card
-
13.25%
DetailsCredit Score: 650-679; Max Credit Limit: $10,000
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 13.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Credit Card
-
15.25%
DetailsCredit Score: 625-649; Max Credit Limit: $5,000
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 15.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Credit Card
-
17.25%
DetailsCredit Score: 600-624; Max Credit Limit: $2,500
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 17.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Credit Card
-
18.00%
DetailsCredit Score: <599; Max Credit Limit: $1,000
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Great Basin Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Advance Line Loan
-
-
17.00%
DetailsPersonal Loan Rates; APR Range
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 17.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Energy Saver Loan
-
-
11.89%
DetailsPublished APR range: 11.89% - 17.00%. Personal Loan Rates; APR Range
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 11.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Lifestyle Loans
-
-
12.89%
DetailsPublished APR range: 12.89% - 18.00%. Personal Loan Rates; APR Range
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 12.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.20%
Max. Term 84 Months
DetailsLoan Amount: $5,000 to $14,999; Credit Score: 700+; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 10.20% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.70%
Max. Term 84 Months
DetailsLoan Amount: $5,000 to $14,999; Credit Score: 680 - 699; Rates stated as APR
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 10.20% → 10.70% ▲ 0.50 pts · high 10.70% / low 10.20%
Sep 20, 202610.70%▲ from 10.20%
Sep 12, 202610.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
12.20%
Max. Term 84 Months
DetailsLoan Amount: $5,000 to $14,999; Credit Score: 650 - 679; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 12.20% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
18.00%
Max. Term 84 Months
DetailsLoan Amount: $5,000 to $14,999; Credit Score: 625 - 649; Rates stated as APR
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 12.20% → 18.00% ▲ 5.80 pts · high 18.00% / low 12.20%
Sep 20, 202618.00%▲ from 12.20%
Sep 12, 202612.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.45%
Max. Term 96 Months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 700+; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 10.45% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.95%
Max. Term 96 Months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 680 - 699; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 10.95% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
12.45%
Max. Term 96 Months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 650 - 679; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 12, 2026 · 12.45% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
18.00%
Max. Term 96 Months
DetailsLoan Amount: $15,000 to $24,999; Credit Score: 625 - 649; Rates stated as APR
Last Updated10/12/2026
Rate History
1 change since Sep 12, 2026 · 12.45% → 18.00% ▲ 5.55 pts · high 18.00% / low 12.45%
Sep 20, 202618.00%▲ from 12.45%
Sep 12, 202612.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.70%
Max. Term 120 Months
DetailsLoan Amount: $25,000 to $49,999; Credit Score: 700+; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 10.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
11.20%
Max. Term 120 Months
DetailsLoan Amount: $25,000 to $49,999; Credit Score: 680 - 699; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 11.20% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
12.70%
Max. Term 120 Months
DetailsLoan Amount: $25,000 to $49,999; Credit Score: 650 - 679; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 12.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
18.00%
Max. Term 120 Months
DetailsLoan Amount: $25,000 to $49,999; Credit Score: 625 - 649; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 18.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.70%
Max. Term 144 Months
DetailsLoan Amount: Over $50,000 to $74,999; Credit Score: 700+; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 10.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
11.20%
Max. Term 144 Months
DetailsLoan Amount: Over $50,000 to $74,999; Credit Score: 680 - 699; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 11.20% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
12.70%
Max. Term 144 Months
DetailsLoan Amount: Over $50,000 to $74,999; Credit Score: 650 - 679; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 12.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
18.00%
Max. Term 144 Months
DetailsLoan Amount: Over $50,000 to $74,999; Credit Score: 625 - 649; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 18.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
10.70%
Max. Term 180 Months
DetailsLoan Amount: Over $75,000; Credit Score: 700+; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 10.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
11.20%
Max. Term 180 Months
DetailsLoan Amount: Over $75,000; Credit Score: 680 - 699; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 11.20% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
12.70%
Max. Term 180 Months
DetailsLoan Amount: Over $75,000; Credit Score: 650 - 679; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 12.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Toy Loan
-
-
18.00%
Max. Term 180 Months
DetailsLoan Amount: Over $75,000; Credit Score: 625 - 649; Rates stated as APR
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 18.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.21%
Financial Health History
Great Basin Federal Credit Union’s Texas Ratio rose from 3.44% in Q3 2023 to 7.21% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$373M
7.21%
5.0
A
March 31, 2026
$368M
7.49%
5.0
A
December 31, 2025
$354M
5.13%
5.0
A+
September 30, 2025
$351M
7.89%
5.0
A
June 30, 2025
$350M
7.24%
5.0
A
March 31, 2025
$346M
7.03%
5.0
A
December 31, 2024
$340M
3.65%
5.0
A+
September 30, 2024
$321M
3.10%
5.0
A+
June 30, 2024
$313M
2.76%
5.0
A+
March 31, 2024
$282M
3.14%
5.0
A+
December 31, 2023
$276M
3.60%
5.0
A+
September 30, 2023
$273M
3.44%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,977,870
Total Uninsured Shares and Deposits > $250K (F+J)
4,977,870
Total Insured Shares and Deposits > $250K (item 17 less item K)
325,920,147
Total Interest Expense (Sum of items 6 8)
1,666,993
Share Certificates
2,123
Number of Accounts for Share Drafts
15,526
IRA KEOGH Accounts
73
Number of Accounts for Regular Shares
30,889
Money Market Shares
698
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)
46,386,689
Total Liabilities
333,431,283
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Great Basin Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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.
Current Great Basin Federal Credit Union Rates
12-Month CD3.50%
18-Month CD3.60%
24-Month CD3.40%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
