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Greater Valley Credit Union

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Greater Valley Credit Union Rates & Review November 2026

Q: What are the current interest rates at Greater Valley Credit Union?

Current rates for Greater Valley Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.30%, 24-Month CD: 3.35%, 60-Month CD: 3.56%, MMA: 1.26%

Q: What CD terms does Greater Valley Credit Union offer?

Greater Valley Credit Union CD rates are 3.25% APY for a 12 month CD, 3.30% APY for an 18 month CD, 3.45% APY for a 2 year CD, 3.51% APY for a 30 month CD, 3.56% APY for a 3 year CD, 3.61% APY for a 4 year CD and 3.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Valley Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Greater Valley Credit Union's 60 Month CD rates are at 3.66%, 48 Month CD rates are at 3.61%, 36 Month CD rates are at 3.56%, 30 Month CD rates are at 3.51%, 24 Month CD rates are at 3.45%. Greater Valley Credit Union's money market rates are at 1.26%. Greater Valley Credit Union's checking rates are as high as 0.08%. Greater Valley Credit Union's Personal Loan Rates are as low as 7.50%. Greater Valley Credit Union's Credit Card Rates are at 12.90%. Greater Valley Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Greater Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greater Valley Credit Union
Main

1185 W Hedges Ave
Fresno, CA 93728-1219

https://greatervalleycu.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.

Greater Valley Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Certificate	3.60%	3.66%	60 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month Share Certificate	3.60%	3.66%	60 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month IRA Certificate	3.55%	3.61%	48 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month Share Certificate	3.55%	3.61%	48 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month IRA Certificate	3.50%	3.56%	36 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month Share Certificate	3.50%	3.56%	36 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month IRA Certificate	3.50%	3.56%	60 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month Share Certificate	3.50%	3.56%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Month IRA Certificate	3.45%	3.51%	30 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Month Share Certificate	3.45%	3.51%	30 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month IRA Certificate	3.45%	3.51%	48 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month Share Certificate	3.45%	3.51%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month IRA Certificate	3.40%	3.45%	24 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Share Certificate	3.40%	3.45%	24 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month IRA Certificate	3.40%	3.45%	36 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month Share Certificate	3.40%	3.45%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 Month IRA Certificate	3.35%	3.40%	18 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 Month Share Certificate	3.35%	3.40%	18 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Month IRA Certificate	3.35%	3.40%	30 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30 Month Share Certificate	3.35%	3.40%	30 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month IRA Certificate	3.30%	3.35%	12 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Share Certificate	3.30%	3.35%	12 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month IRA Certificate	3.30%	3.35%	24 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Share Certificate	3.30%	3.35%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 Month IRA Certificate	3.25%	3.30%	18 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 Month Share Certificate	3.25%	3.30%	18 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month IRA Certificate	3.25%	3.30%	6 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Share Certificate	3.25%	3.30%	6 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month IRA Certificate	3.20%	3.25%	12 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Share Certificate	3.20%	3.25%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month IRA Certificate	3.15%	3.20%	6 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Share Certificate	3.15%	3.20%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Month IRA Certificate	2.95%	2.99%	3 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Month Share Certificate	2.95%	2.99%	3 Months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Month IRA Certificate	2.85%	2.89%	3 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Month Share Certificate	2.85%	2.89%	3 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Savings Rates

Product	Rate	APY
Regular Shares - Tiered Rate	0.30%	0.30%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000.00 and over; $100.00 minimum daily balance to obtain APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Shares - Tiered Rate	0.25%	0.25%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $19,999.99; $100.00 minimum daily balance to obtain APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Shares - Tiered Rate	0.20%	0.20%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; $100.00 minimum daily balance to obtain APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Shares - Tiered Rate	0.15%	0.15%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 - $2,499.99; $100.00 minimum daily balance to obtain APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Money Market Rates

Product	Rate	APY
Money Market - Tiered Rate	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market - Tiered Rate	1.05%	1.06%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market - Tiered Rate	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market - Tiered Rate	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market - Tiered Rate	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Checking Rates

Product	Rate	APY
Premium Checking	0.08%	0.08%
Min Deposit $1,000 Min Balance $1,000 Details Minimum average daily balance of $1,000.00 required for dividend period to obtain APY Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Prime Checking	0.06%	0.06%
Min Deposit $50 Min Balance $500 Details Minimum average daily balance of $500.00 required to obtain APY Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	7.25%	180-360 months
Details Loan amount: $5,000 - $600,000; Variable rate: 3.5% over the current Freddie Mac Federal cost of funds rounded up to nearest .25%; Minimum 4.5%; Rate adjusts July 1st; Rate caps at 5% over first initial interest rate; Fee: $350.00 to $690.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/RV/Boat Loans	-	-	4.99%	Up to 48 months
Details As Low As; Loan Amount: $1,000 - 100,000; Lowest rate includes .50% discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.99% ▲ 0.70 pts · high 4.99% / low 4.29% Oct 9, 20264.99%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto/RV/Boat Loans	-	-	4.99%	Up to 60 months
Details As Low As; Loan Amount: $5,000 - 100,000; Lowest rate includes .50% discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.99% ▲ 0.70 pts · high 4.99% / low 4.29% Oct 9, 20264.99%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto/RV/Boat Loans	-	-	4.99%	Up to 72 months
Details As Low As; Loan Amount: $15,000 - 100,000; Lowest rate includes .50% discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.99% ▲ 0.70 pts · high 4.99% / low 4.29% Oct 9, 20264.99%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto/RV/Boat Loans	-	-	4.99%	Up to 48 months
Details As Low As; Loan Amount: $1,000-100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.99% ▲ 0.70 pts · high 4.99% / low 4.29% Oct 9, 20264.99%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto/RV/Boat Loans	-	-	4.99%	Up to 60 months
Details As Low As; Loan Amount: $5,000-100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.99% ▲ 0.70 pts · high 4.99% / low 4.29% Oct 9, 20264.99%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto/RV/Boat Loans	-	-	4.99%	Up to 72 months
Details As Low As; Loan Amount: $15,000-100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.29% → 4.99% ▲ 0.70 pts · high 4.99% / low 4.29% Oct 9, 20264.99%▲ from 4.29% Sep 18, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto/RV/Boat Loans	-	-	5.99%	Up to 84 months
Details As Low As; Loan Amount: $25,000 - 100,000; Lowest rate includes .50% discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.29% → 5.99% ▲ 0.70 pts · high 5.99% / low 5.29% Oct 9, 20265.99%▲ from 5.29% Sep 18, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto/RV/Boat Loans	-	-	6.29%	Up to 84 months
Details As Low As; Loan Amount: $25,000-100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.59% → 6.29% ▲ 0.70 pts · high 6.29% / low 5.59% Oct 9, 20266.29%▲ from 5.59% Sep 18, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto/RV/Boat Loans	-	-	7.50%	Up to 120 months
Details As Low As; Loan Amount: $25,000 - 100,000 (RV only); Lowest rate includes .50% discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 13, 20267.50%▲ from 7.25% Sep 22, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto/RV/Boat Loans	-	-	8.00%	Up to 120 months
Details As Low As; Loan Amount: $25,000-100,000 (RV only) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 13, 20268.00%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Auto/RV/Boat Loans	-	-	8.50%	Up to 180 months
Details As Low As; Loan Amount: $35,000 - 100,000 (RV only); Lowest rate includes .50% discount for automatic payments Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 13, 20268.50%▲ from 8.25% Sep 22, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Auto/RV/Boat Loans	-	-	9.00%	Up to 180 months
Details As Low As; Loan Amount: $35,000-100,000 (RV only) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 13, 20269.00%▲ from 8.75% Sep 18, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Classic	-	12.90%
Details As Low As; APR* as low as 12.90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Greater Valley Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan - Energy Efficient Loans	7.50%	Up to 24 months
Details $500 - $2,000; Monthly Payment Per $1,000 Borrowed: $45.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loan - Energy Efficient Loans	7.50%	Up to 48 months
Details $2,001 - $5,000; Monthly Payment Per $1,000 Borrowed: $24.18 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loan - Energy Efficient Loans	7.50%	Up to 120 months
Details $5,001 - $35,000; Monthly Payment Per $1,000 Borrowed: $11.87 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loan - CLOSED END	8.75%	Up to 24 months
Details $500 - $5,000; Monthly Payment Per $1,000 Borrowed: $45.57 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Unsecured Loan - CLOSED END	10.95%	Up to 48 months
Details $1,000 - $15,000; Monthly Payment Per $1,000 Borrowed: $25.82 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.

Financial Health History

Greater Valley Credit Union’s Texas Ratio stayed near 0.08% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$34M	0.00%	5.0	A+
March 31, 2026	$33M	0.02%	5.0	A+
December 31, 2025	$34M	0.66%	5.0	A+
September 30, 2025	$34M	0.00%	5.0	A+
June 30, 2025	$33M	0.00%	5.0	A+
March 31, 2025	$33M	0.22%	5.0	A+
December 31, 2024	$32M	0.52%	5.0	A+
September 30, 2024	$33M	3.57%	5.0	A+
June 30, 2024	$33M	3.89%	5.0	A+
March 31, 2024	$34M	0.00%	5.0	A+
December 31, 2023	$34M	0.08%	5.0	A+
September 30, 2023	$35M	0.08%	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 Greater Valley Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name Greater Valley Credit Union

Website https://greatervalleycu.org

Address 1185 W Hedges Ave, Fresno, CA 93728-1219

Phone 559-233-0867

Fax 559-233-0240

President Joel Aguilar

CEO Joey Yamuni

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.3256%

Return on Equity (ROE)

2.2583%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

34,430,465

Total Amount of Shares and Deposits

29,247,671

Total Shares and Deposits < 1 Year

27,137,865

Total Shares and Deposits 1 3 Years

1,798,079

Total Shares and Deposits > 3 Years

311,726

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

937,837

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

937,837

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

28,309,834

Total Interest Expense (Sum of items 6 8)

172,777

Share Certificates

215

Number of Accounts for Share Drafts

415

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,070

Money Market Shares

102

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)

1,970,955

Total Liabilities

29,466,257

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Greater Valley 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.

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, and this profile page always shows the latest results, so the code never needs to change.

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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.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Greater Valley Credit Union

Frequently Asked Questions About Greater Valley Credit Union

Does Greater Valley Credit Union offer CDs?

Yes. Greater Valley Credit Union current CD rates include its 60 Month CD at 3.66% APY, its 48 Month CD at 3.61% APY and its 36 Month CD at 3.56% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Greater Valley Credit Union NCUA insured?

Yes. Greater Valley 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 Greater Valley Credit Union?

The highest Greater Valley Credit Union CD rate is its 60 Month IRA CD at 3.66% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Greater Valley Credit Union offer?

Greater Valley Credit Union CD rates are 3.25% APY for a 12 month CD, 3.30% APY for an 18 month CD, 3.45% APY for a 2 year CD, 3.51% APY for a 30 month CD, 3.56% APY for a 3 year CD, 3.61% APY for a 4 year CD and 3.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Valley Credit Union for its full lineup.

What is the highest money market rate at Greater Valley Credit Union?

The highest Greater Valley Credit Union money market rate is its Money Market - Tiered Rate at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Greater Valley Credit Union?

The highest Greater Valley Credit Union checking rate is its Premium Checking at 0.08% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Greater Valley Credit Union?

The lowest Greater Valley Credit Union auto loan rate is its New Auto/RV/Boat Loans at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Greater Valley Credit Union?

The lowest Greater Valley Credit Union personal loan rate is its Unsecured Loan - Energy Efficient Loans at 7.50% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Greater Valley Credit Union?

The lowest Greater Valley Credit Union credit card APR is its VISA Classic Credit Card at 12.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Greater Valley Credit Union operate?

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

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

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does Greater Valley Credit Union offer online and mobile banking?

Most modern institutions like Greater Valley 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://greatervalleycu.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 Greater Valley Credit Union rates compare?

Greater Valley Credit Union's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. Greater Valley Credit Union's top rates are its 60 Month IRA CD at 3.66% APY, its Money Market - Tiered Rate at 1.26% APY, its Premium Checking at 0.08% APY, its Unsecured Loan - Energy Efficient Loans at 7.50% APR and its VISA Classic Credit Card at 12.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Greater Valley Credit Union Rates

12-Month CD3.25%
18-Month CD3.30%
24-Month CD3.35%
60-Month CD3.56%
MMA1.26%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Greater Valley Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greater Valley Credit Union Texas Ratio

Greater Valley Credit Union Health Trend

Greater Valley Credit Union CD Rates

Greater Valley Credit Union Savings Rates

Greater Valley Credit Union Money Market Rates

Greater Valley Credit Union Checking Rates

Greater Valley Credit Union Home Equity & HELOC

Greater Valley Credit Union Auto Loan Rates

Greater Valley Credit Union Credit Card Rates

Greater Valley Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Greater Valley Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greater Valley Credit Union

Does Greater Valley Credit Union offer CDs?

Are CDs from Greater Valley Credit Union NCUA insured?

What is the highest CD rate at Greater Valley Credit Union?

What CD terms does Greater Valley Credit Union offer?

What is the highest money market rate at Greater Valley Credit Union?

What is the highest checking rate at Greater Valley Credit Union?

What is the lowest auto loan rate at Greater Valley Credit Union?

What is the lowest personal loan rate at Greater Valley Credit Union?

What is the lowest credit card APR at Greater Valley Credit Union?

How many branches does Greater Valley Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Greater Valley 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 Greater Valley Credit Union rates compare?

Current Greater Valley Credit Union Rates

Compare to Other Credit Unions