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Great Basin Federal Credit Union

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Great Basin Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Great Basin Federal Credit Union?

Current rates for Great Basin Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.60%, 24-Month CD: 3.40%

Q: What CD terms does Great Basin Federal Credit Union offer?

Great Basin Federal Credit Union CD rates are 3.55% APY for a 12 month CD, 3.60% APY for an 18 month CD and 3.40% APY for a 2 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Great Basin Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Great Basin Federal Credit Union's Term CD - 18 month rates are at 3.60%, Term CD - 12 month rates are at 3.55%, 1 Year Achieve My Dream CD rates are at 3.50%, 1 Year Payday CD rates are at 3.50%, Term CD - 2 years rates are at 3.40%. Great Basin Federal Credit Union's checking rates are as high as 4.50%. Great Basin Federal Credit Union's Mortgage (30-Year) Fixed Conforming rates are at 7.25%, Conventional 15 Year Fixed rates are at 6.88%, VA 30 Year Fixed rates are at 6.99%, Conventional 30 Year Fixed rates are at 7.25%, FHA 30 Year Fixed rates are at 6.88%. Great Basin Federal Credit Union's Personal Loan Rates are as low as 8.25%. Great Basin Federal Credit Union's Credit Card Rates are at 11.25%. Great Basin Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/28/2026.

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 2026 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

7.21%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Great Basin Federal Credit Union
Main Branch

9770 S Virginia St
Reno, NV 89511-5941

https://www.greatbasin.org

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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
Term Share Certificate - 18 month	3.55%	3.60%	18 months
Min Deposit $1,000 Details Minimum $1,000 Deposit Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Term Share Certificate - 12 month	3.50%	3.55%	12 months
Min Deposit $1,000 Details Minimum $1,000 Deposit Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.55% APY · checked 9 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 Details Miscellaneous Certificate Rates; $250 minimum, 1 yr term; Jr. Savers & Young Investors only Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.50% APY · checked 9 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 Details Miscellaneous Certificate Rates; $250 minimum, 1 yr term Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Term Share Certificate - 2 years	3.36%	3.40%	2 years
Min Deposit $1,000 Details Minimum $1,000 Deposit Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Term Share Certificate - 3 year, 4 year, & 5 year	3.31%	3.35%	3 year
Min Deposit $1,000 Details Minimum $1,000 Deposit Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Term Share Certificate - 6 month	3.21%	3.25%	6 months
Min Deposit $1,000 Details Minimum $1,000 Deposit Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%

Great Basin Federal Credit Union Checking Rates

Product	Rate	APY
Free High Yield Reward Checking	-	4.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00; ATM fee reimbursement up to $5.00 per month for nationwide domestic ATM fees; Limit 1 Rewards Checking account per primary member Social Security Number; When qualifications are not met, all balances earn 0.01% APY Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
High-Yield Checking	4.41%	4.50%
Details Qualifications Required; Qualifying balance up to $15,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.50% APY · checked 4 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
Mortgage (30-Year) Fixed Conforming	-	-	7.25%	30 years
Details 60% LTV; based on $350,000 loan amount and 740+ credit score; rates as of 10/19/2026 Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.50% → 7.25% ▼ 0.25 pts · high 7.50% / low 7.25% Oct 23, 20267.25%▼ from 7.50% Oct 12, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Conventional 15 Year Fixed	6.875%	1.000	7.396%	15 years
Details $350,000 Loan Amount - 740 Credit Score; 60% LTV; Rates as of 10/19/2026; based on 30-day lock Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.55% → 7.40% ▼ 0.15 pts · high 7.55% / low 7.40% Oct 23, 20267.40%▼ from 7.55% Oct 8, 20267.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
VA 30 Year Fixed	6.99%	1.000	7.504%	30 years
Details $350,000 Loan Amount - 740 Credit Score; 100% LTV; Rates as of 10/19/2026; based on 30-day lock Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.65% → 7.50% ▼ 0.15 pts · high 7.65% / low 7.50% Oct 23, 20267.50%▼ from 7.65% Oct 8, 20267.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Conventional 30 Year Fixed	7.25%	1.000	7.60%	30 years
Details $350,000 Loan Amount - 740 Credit Score; 60% LTV; Rates as of 10/19/2026; based on 30-day lock Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 7.85% → 7.60% ▼ 0.25 pts · high 7.85% / low 7.60% Oct 23, 20267.60%▼ from 7.85% Oct 8, 20267.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
FHA 30 Year Fixed	6.875%	1.000	8.002%	30 years
Details $350,000 Loan Amount - 740 Credit Score; 96.5% LTV; Rates as of 10/19/2026; based on 30-day lock Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 8.24% → 8.00% ▼ 0.24 pts · high 8.24% / low 8.00% Oct 23, 20268.00%▼ from 8.24% Oct 8, 20268.24%first recorded 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
Home Equity Line of Credit Up to 80% CLTV	-	-	7.50%
Details As Low As; Current Rate As Low As 7.50% (Prime + 0.50); Rates stated as APR; Prime + 50 basis points with floor rate of 5.00%; not a promo rate Last Updated 10/28/2026 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%
Details As Low As; Current Rate As Low As 8.25% (Prime + 1.25); Rates stated as APR; no closing costs, no points, no origination fees; early closure fees may apply if closed within 36 months Last Updated 10/28/2026 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%
Details As Low As; Current Rate As Low As 8.50% (Prime + 1.50); Rates stated as APR; no closing costs, no points, no origination fees; early closure fees may apply if closed within 36 months Last Updated 10/28/2026 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%
Details As Low As; Current Rate As Low As 10.00% (Prime + 3.00); Rates stated as APR; Prime + 300 basis points with floor rate of 5.00%; not a promo rate Last Updated 10/28/2026 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
Auto Loan	-	-	4.25%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: 720+ Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 4.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	4.25%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: 720+ Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 4.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	4.75%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: 700-719 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	4.75%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: 700-719 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	5.25%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: 680 - 699 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	5.25%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: 680 - 699 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Payment Saver Auto Loan	-	-	5.25%	Up to 72 months
Details Range 5.25% to 9.25% APR; Rate is increased 1% for mileage over 75,000; Low-payment alternative to leasing; New & used cars and trucks; Ask for details Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.00%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 720+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.25%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 700-719 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.50%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: 720+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.75%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: 650 - 679 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.75%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: 650 - 679 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.75%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 680 - 699 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Sep 20, 20266.75%▲ from 6.25% Sep 12, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	6.75%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: 700-719 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 20, 20266.75%▲ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	7.25%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: 680 - 699 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	8.25%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 650 - 679 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	8.75%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: 650 - 679 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	10.75%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: 625 - 649 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 10.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	10.75%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: 625 - 649 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 10.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	12.25%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 625 - 649 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	13.25%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: 625 - 649 Last Updated 10/28/2026 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%
Auto Loan	-	-	15.75%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: 600 - 624 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 15.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	15.75%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: 600 - 624 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 15.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	16.25%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 600 - 624 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 12.25% → 16.25% ▲ 4.00 pts · high 16.25% / low 12.25% Sep 20, 202616.25%▲ from 12.25% Sep 12, 202612.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	16.25%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: 600 - 624 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 13.25% → 16.25% ▲ 3.00 pts · high 16.25% / low 13.25% Sep 20, 202616.25%▲ from 13.25% Sep 12, 202613.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	16.75%	Max. Term 48 Months
Details Loan Amount: $5,000 to $9,999; Credit Score: <599 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 16.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	16.75%	Max. Term 60 Months
Details Loan Amount: $10,000 to $14,999; Credit Score: <599 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 16.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	17.25%	Max. Term 72 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: <599 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 12.25% → 17.25% ▲ 5.00 pts · high 17.25% / low 12.25% Sep 20, 202617.25%▲ from 12.25% Sep 12, 202612.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Auto Loan	-	-	17.25%	Max. Term 84 Months
Details Loan Amount: Over $25,000; Credit Score: <599 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 13.25% → 17.25% ▲ 4.00 pts · high 17.25% / low 13.25% Sep 20, 202617.25%▲ from 13.25% Sep 12, 202613.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%

Great Basin Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	11.25%
Details Credit Score: 680+; Max Credit Limit: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Visa Credit Card	-	13.25%
Details Credit Score: 650-679; Max Credit Limit: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 13.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Visa Credit Card	-	15.25%
Details Credit Score: 625-649; Max Credit Limit: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 15.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Visa Credit Card	-	17.25%
Details Credit Score: 600-624; Max Credit Limit: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 17.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Visa Credit Card	-	18.00%
Details Credit Score: <599; Max Credit Limit: $1,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%

Great Basin Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Solar Panel Home Equity Loan	8.25%
Details As Low As; Current Rate As Low As 8.25% (Prime + 1.25); Rates stated as APR; no closing costs, no points, no origination fees; early closure fees may apply if closed within 36 months Last Updated 10/28/2026 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%

Great Basin Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Advance Line Loan	-	-	17.00%
Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 17.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Energy Saver Loan	-	-	11.89%
Details APR Range: 11.89% - 17.00% Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 11.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Lifestyle Loans	-	-	12.89%
Details APR Range: 12.89% - 18.00% Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 12.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	10.20%	Max. Term 84 Months
Details Loan Amount: $5,000 to $14,999; Credit Score: 700+; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	10.70%	Max. Term 84 Months
Details Loan Amount: $5,000 to $14,999; Credit Score: 680 - 699; Rates stated as APR Last Updated 10/28/2026 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
Details Loan Amount: $5,000 to $14,999; Credit Score: 650 - 679; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	18.00%	Max. Term 84 Months
Details Loan Amount: $5,000 to $14,999; Credit Score: 625 - 649; Rates stated as APR Last Updated 10/28/2026 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
Details Loan Amount: $15,000 to $24,999; Credit Score: 700+; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.45% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	10.95%	Max. Term 96 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 680 - 699; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	12.45%	Max. Term 96 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 650 - 679; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.45% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	18.00%	Max. Term 96 Months
Details Loan Amount: $15,000 to $24,999; Credit Score: 625 - 649; Rates stated as APR Last Updated 10/28/2026 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
Details Loan Amount: $25,000 to $49,999; Credit Score: 700+; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 10.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	11.20%	Max. Term 120 Months
Details Loan Amount: $25,000 to $49,999; Credit Score: 680 - 699; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 11.20% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	12.70%	Max. Term 120 Months
Details Loan Amount: $25,000 to $49,999; Credit Score: 650 - 679; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 12.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	18.00%	Max. Term 120 Months
Details Loan Amount: $25,000 to $49,999; Credit Score: 625 - 649; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	10.70%	Max. Term 144 Months
Details Loan Amount: Over $50,000 to $74,999; Credit Score: 700+; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 10.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	11.20%	Max. Term 144 Months
Details Loan Amount: Over $50,000 to $74,999; Credit Score: 680 - 699; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 11.20% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	12.70%	Max. Term 144 Months
Details Loan Amount: Over $50,000 to $74,999; Credit Score: 650 - 679; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 12.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	18.00%	Max. Term 144 Months
Details Loan Amount: Over $50,000 to $74,999; Credit Score: 625 - 649; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	10.70%	Max. Term 180 Months
Details Loan Amount: Over $75,000; Credit Score: 700+; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 10.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	11.20%	Max. Term 180 Months
Details Loan Amount: Over $75,000; Credit Score: 680 - 699; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 11.20% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	12.70%	Max. Term 180 Months
Details Loan Amount: Over $75,000; Credit Score: 650 - 679; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 12.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%
Toy Loan	-	-	18.00%	Max. Term 180 Months
Details Loan Amount: Over $75,000; Credit Score: 625 - 649; Rates stated as APR Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.21%

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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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.

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 68

Part-Time Employees 1

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

7.21%

Return on Assets (ROA)

0.3456%

Return on Equity (ROE)

3.2470%

Non-Performing Loans Ratio (NPL)

1.20%

Total Assets

372,740,891

Total Amount of Shares and Deposits

330,898,017

Total Shares and Deposits < 1 Year

321,760,578

Total Shares and Deposits 1 3 Years

7,991,368

Total Shares and Deposits > 3 Years

1,146,071

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

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

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Great Basin Federal Credit Union

Does Great Basin Federal Credit Union offer CDs?

Yes. Great Basin Federal Credit Union current CD rates include its Term CD - 18 month at 3.60% APY, its Term CD - 12 month at 3.55% APY and its 1 Year Achieve My Dream CD at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Great Basin Federal Credit Union NCUA insured?

Yes. Great Basin Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Great Basin Federal Credit Union?

The highest Great Basin Federal Credit Union CD rate is its Term CD - 18 month at 3.60% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Great Basin Federal Credit Union offer?

Great Basin Federal Credit Union CD rates are 3.55% APY for a 12 month CD, 3.60% APY for an 18 month CD and 3.40% APY for a 2 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Great Basin Federal Credit Union for its full lineup.

What is the highest checking rate at Great Basin Federal Credit Union?

The highest Great Basin Federal Credit Union checking rate is its Free High Yield Reward Checking at 4.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Great Basin Federal Credit Union?

The lowest Great Basin Federal Credit Union 30 year fixed mortgage rate is its FHA 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 28, 2026. Great Basin Federal Credit Union mortgage rates are 7.25% APR for a 30 year mortgage and 6.875% for a 15 year mortgage.

What is the lowest home equity rate at Great Basin Federal Credit Union?

The lowest Great Basin Federal Credit Union home equity rate is its Solar Panel Home Equity Loan at 8.25% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Great Basin Federal Credit Union?

The lowest Great Basin Federal Credit Union auto loan rate is its Auto Loan at 4.25% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Great Basin Federal Credit Union?

The lowest Great Basin Federal Credit Union credit card APR is its Visa Credit Card at 11.25% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Great Basin Federal Credit Union rates compare?

Great Basin Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A health rating. Great Basin Federal Credit Union's top rates are its Term CD - 18 month at 3.60% APY, its Free High Yield Reward Checking at 4.50% APY, its Conventional 15 Year Fixed at 6.875%, its Solar Panel Home Equity Loan at 8.25% APR and its Visa Credit Card at 11.25% APR, verified by MonitorBankRates on October 28, 2026.

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.

Compare to Other Credit Unions

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Great Basin Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Great Basin Federal Credit Union Texas Ratio

Great Basin Federal Credit Union Health Trend

Great Basin Federal Credit Union CD Rates

Great Basin Federal Credit Union Checking Rates

Great Basin Federal Credit Union Mortgage Rates

Great Basin Federal Credit Union Home Equity & HELOC

Great Basin Federal Credit Union Auto Loan Rates

Great Basin Federal Credit Union Credit Card Rates

Great Basin Federal Credit Union Personal Loan Rates

Great Basin Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Great Basin Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Great Basin Federal Credit Union

Does Great Basin Federal Credit Union offer CDs?

Are CDs from Great Basin Federal Credit Union NCUA insured?

What is the highest CD rate at Great Basin Federal Credit Union?

What CD terms does Great Basin Federal Credit Union offer?

What is the highest checking rate at Great Basin Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Great Basin Federal Credit Union?

What is the lowest home equity rate at Great Basin Federal Credit Union?

What is the lowest auto loan rate at Great Basin Federal Credit Union?

What is the lowest credit card APR at Great Basin Federal Credit Union?

How many branches does Great Basin Federal Credit Union operate?

Is a member application needed to join Great Basin Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Great Basin Federal Credit Union rates compare?

Current Great Basin Federal Credit Union Rates

Compare to Other Credit Unions