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Greater Nevada Credit Union Rates & Review September 2026

Greater Nevada Credit Union's 60 Month IRA CD (CD) rates are at 3.50%, 60 Month CD (CD) rates are at 3.50%, 48 Month IRA CD (CD) rates are at 3.45%, 48 Month CD (CD) rates are at 3.45%, 36 Month IRA CD (CD) rates are at 3.40%. Greater Nevada Credit Union's savings rates are at 0.05%. Greater Nevada Credit Union's money market rates are at 0.50%. Greater Nevada Credit Union's Auto Loan Rates are as low as 4.50%. MonitorBankRates evaluates the financial stability of Greater Nevada Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 59.98%. Rates last updated and verified on 09/22/2026.

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

Overall Health & Safety Grade ?
F
High Risk Health Score: 30/100
MonitorBankRates Rating ?
1.0
Weak Out of 5.0 Stars
Texas Ratio ?
59.98%
Weak Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Greater Nevada Credit Union
Eagle Station Corporate Office
451 Eagle Station Ln
Carson City, NV 89701
https://www.gncu.org
Member NCUA

Greater Nevada Credit Union CD Rates

Product Rate APY Term View More
60 Month IRA Share Certificate (CD) 3.45% 3.50% 60 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
60 Month Share Certificate (CD) 3.45% 3.50% 60 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
48 Month IRA Share Certificate (CD) 3.40% 3.45% 48 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
48 Month Share Certificate (CD) 3.40% 3.45% 48 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
36 Month IRA Share Certificate (CD) 3.35% 3.40% 36 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
36 Month Share Certificate (CD) 3.35% 3.40% 36 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
24 Month IRA Share Certificate (CD) 3.30% 3.35% 24 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
24 Month Share Certificate (CD) 3.30% 3.35% 24 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
18 Month IRA Share Certificate (CD) 3.25% 3.30% 18 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
18 Month Share Certificate (CD) 3.25% 3.30% 18 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
12 Month IRA Share Certificate (CD) 3.20% 3.25% 12 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
12 Month Share Certificate (CD) 3.20% 3.25% 12 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
30 Month IRA Share Certificate (CD) 3.06% 3.10% 30 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
30 Month Share Certificate (CD) 3.06% 3.10% 30 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
6 Month IRA Share Certificate (CD) 3.06% 3.10% 6 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
6 Month Share Certificate (CD) 3.06% 3.10% 6 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
3 Month IRA Share Certificate (CD) 2.96% 3.00% 3 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
3 Month Share Certificate (CD) 2.96% 3.00% 3 Months
Min Deposit $500
Details The minimum opening deposit is $500.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Greater Nevada Credit Union Savings Rates

Product Rate APY View More
Christmas Club Savings Account 0.05% 0.05%
Min Deposit $5
Details The minimum opening deposit is $5.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Health Savings Account 0.05% 0.05%
No additional details.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Regular Share Savings Account 0.05% 0.05%
Min Deposit $5
Details The minimum opening deposit is $5.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Youth Share Savings Account 0.05% 0.05%
Min Deposit $5
Details The minimum opening deposit is $5.00.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Greater Nevada Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 1.00% 1.00%
Min Deposit $2,500
Min Balance $50,000
Details Balance: $50,000.01 +; Annual Percentage Yield (APY) effective March 1, 2026, and subject to change without notice. Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Money Market Account 0.50% 0.50%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.01 - $50,000.00; Annual Percentage Yield (APY) effective March 1, 2026, and subject to change without notice. Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Greater Nevada Credit Union Checking Rates

Product Rate APY View More
Aspire Checking Account 3.93% 4.00%
Min Balance $0
Details Qualifications Required: 9 debit card purchases must post and clear, at least one direct deposit received, and be enrolled to receive electronic statements (eStatements); Balance: $0.01 - $25,000.00; Other rewards received when monthly qualifications are met include up to $9.00 in out-of-network ATM fee rebates and waiver of the $15.00 monthly service fee. Proof of ATM fees of $5.00 or more may be required to process the fee rebate. For rebates of individual ATM fees of $5.00 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Aspire Checking Account 0.05% 0.05%
Min Balance $25,000
Details Qualifications Required: 9 debit card purchases must post and clear, at least one direct deposit received, and be enrolled to receive electronic statements (eStatements); Balance: $25,000.01 +; Other rewards received when monthly qualifications are met include up to $9.00 in out-of-network ATM fee rebates and waiver of the $15.00 monthly service fee. Proof of ATM fees of $5.00 or more may be required to process the fee rebate. For rebates of individual ATM fees of $5.00 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Greater Nevada Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 9.00%
Details Intro/promo APR: 6.99%; Intro rate expires: 6 months; Annual Percentage Rate (APR) can vary and is based on the Prime Rate plus a margin of 2.00% - 2.50% based on the borrower's credit rating and other qualifications. The APR is subject to change each month, based on changes to the highest Prime Rate published in the Wall Street Journal "Money Rates" table. The minimum base APR is 9.00%, and the maximum base APR is 17.75%. Up to 80% combined loan-to-value (CLTV) is available with credit lines from $25,000.00 - $450,000.00, subject to collateral type and borrower qualifications. Fees and closing costs to establish a HELOC generally total between $0.00 - $1,500.00 and are paid by the borrower. $75.00 annual fee beginning on the first anniversary date. $500.00 prepayment penalty if the HELOC is closed within 36 months of origination. Loans are available for 1 - 2 unit, owner-occupied properties in the state of Nevada only. Greater Nevada Credit Union membership is required prior
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Greater Nevada Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New or Used Auto Loan (Less Than 2 Years Old) - - 4.50%
Details As Low As; Lowest rate shown assumes excellent borrower credit history, financing a direct new or used auto loan less than two years old at a 36-month loan term, and includes a 0.25% rate discount for a loan-to-value below 90% available for well-qualified borrowers.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Used Auto Loan (2 - 6 Years Old) - - 4.55%
Details As Low As
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
Used Auto Loan (Greater Than 6 Years Old) - - 5.15%
Details As Low As
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Greater Nevada Credit Union Other Rates

Product Rate Points APY/APR Term View More
I Can Save Account 5.84% - 6.00%
Min Balance $0
Details Qualifications Required: at least one deposit must post and clear, and the total of all deposits must be less than $200.00; Balance: $0.01 - $2,500.00; Monthly qualifications are at least one deposit must post and clear, and the total of all deposits must be less than $200.00. Limit of one I Can Save account per member. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will not be allowed for a period of two years from the date of account closure.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
I Can Save Account 0.05% - 0.05%
Min Balance $2,500
Details Qualifications Required: at least one deposit must post and clear, and the total of all deposits must be less than $200.00; Balance: $2,500.01 +; Monthly qualifications are at least one deposit must post and clear, and the total of all deposits must be less than $200.00. Limit of one I Can Save account per member. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will not be allowed for a period of two years from the date of account closure.
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%
IRA Share Account 0.05% - 0.05%
Last Updated 09/22/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
Texas Ratio: 59.98%

Financial Health History

Greater Nevada Credit Union’s Texas Ratio rose from 40.34% in Q2 2023 to 59.98% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 2.9 to 1.0. 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.

0% 1.0★ 29% 2.0★ 57% 3.0★ 86% 4.0★ 114% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 40.34% F Q2 2023 F Q3 2023 F Q4 2023 F Q1 2024 F Q2 2024 F Q3 2024 F Q4 2024 F Q1 2025 F Q2 2025 F Q3 2025 F Q4 2025 59.98% F Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.7B59.98%1.0F
December 31, 2025$1.7B58.25%1.0F
September 30, 2025$1.7B66.75%1.0F
June 30, 2025$1.7B60.90%1.0F
March 31, 2025$1.8B84.61%1.0F
December 31, 2024$1.7B83.18%1.0F
September 30, 2024$1.8B53.93%1.7F
June 30, 2024$1.8B58.08%1.4F
March 31, 2024$1.8B61.64%1.1F
December 31, 2023$1.8B44.13%2.6F
September 30, 2023$1.8B42.60%2.7F
June 30, 2023$1.8B40.34%2.9F
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 Nevada 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 Nevada 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 Nevada Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Nevada Credit Union
Address 451 Eagle Station Ln, Carson City, NV 89701
Phone 775-882-2060
Fax 775-884-5353
President Bill Arensdorf
CEO Daniel DeLaRosa
Full-Time Employees 298
Part-Time Employees 2
Branch Locations 14
ATM Locations 3
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (30/100)
Texas Ratio
59.98%
Return on Assets (ROA)
0.2140%
Return on Equity (ROE)
6.4254%
Non-Performing Loans Ratio (NPL)
4.41%
Total Assets
1,690,616,662
Total Amount of Shares and Deposits
1,615,388,810
Total Shares and Deposits < 1 Year
1,564,852,763
Total Shares and Deposits 1 3 Years
47,209,418
Total Shares and Deposits > 3 Years
3,326,629
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
125,275,549
Total Uninsured Shares and Deposits > $250K (F+J)
125,275,549
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,490,113,261
Total Interest Expense (Sum of items 6 8)
5,354,150
Share Certificates
10,165
Number of Accounts for Share Drafts
67,036
IRA KEOGH Accounts
1,850
Number of Accounts for Regular Shares
100,949
All other shares
940
Money Market Shares
4,009
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Significantly Undercapitalized
Net Worth Classification if credit union is a new credit union
Marginally Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
178,753,534
Total Liabilities
1,649,554,607
Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Greater Nevada Credit Union

How many branches does Greater Nevada Credit Union operate?

Greater Nevada 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 Nevada Credit Union?

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

Does Greater Nevada Credit Union offer online and mobile banking?

Most modern institutions like Greater Nevada 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.gncu.org.

Current Greater Nevada Credit Union Rates

  • 12-Month CD3.25%
  • 18-Month CD3.30%
  • 24-Month CD3.35%
  • 60-Month CD3.50%
  • Savings0.05%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.