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Overview / Commentary
775-882-2060
451 Eagle Station Lane
Carson City, NV 89701

Greater Nevada Credit Union is headquartered in Carson City and is the 3rd largest credit union in the state of Nevada. It is also the 404th largest credit union in the nation. It was established in 1949 and as of September of 2016, it had grown to 219 employees and 53,252 members at 13 locations. Greater Nevada Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Greater Nevada Credit Union is open to anyone who lives or works within the state of Nevada and to immediate family of existing members.
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Reviews (6)

Just too many fees

Posted by: Shrugger | Jan 10, 2015

Greater Nevada Credit Union (GNCU) rates above average in all categories except when it comes to fees . Everything has a fee and the requirements to waive the fees are way too restrictive to be fair . For example a cashiers check will cost $6 no matter how much money you have on deposit . You have to use your debit card at least 10 times in a billing cycle to avoid the service charges on a checking account , which in themselves are way too high . Our retirement account has an annual fee of $20 , with no way to avoid the fee , and we are being paid one tenth of one percent interest .

When we opened our accounts the teller turned out to really be a saleslady . She continually tried to get us to buy more products and talk to her in house investment adviser , who charges high fees . I had to complain to the manager in order to get her to stop . In the end the manager apologized and entered a "Do not up sell" into our file .

If you are going to use this bank to hold some emergency money and maybe some retirement money it is better than average . For day to day banking I advise you to go shop around .

Beware the of the fees .

This Credit Union has too many fees and not enough of an opportunity to avoid them . Marginal customer service and restrictive policies. If you are financially responsible do not bank here. They will fee you to insolvency.

The Worst

This Credit Union has too many fees and not enough of an opportunity to avoid them . Marginal customer service and restrictive policies. If you are financially responsible do not bank here. They will fee you to insolvency.

WORST CU EVER!!!!!

Posted by: dougslick | Dec 16, 2014

They get one star because there is no ZERO star option... When I opened my account(s), I made it EXTREMELY CLEAR that I wouldn't be using my account very much and I would NOT open an account with ANY TYPE of "service charge". I was PROMISED by Melinda in the Reno branch that there would be NO SERVICE CHARGES AT ALL.. On my very first statement, there was a service charge. I made a phone call and was told that it is their policy to NEVER answer calls and that I had to wait "TWO HOURS" for a return call.. Next day,, STILL NO CALL,, I left more messages,, STILL NO RETURN CALL!!! I have left over a dozen messages and STILL NO CALL from the "management team".. This is hands down the WORST CU I have ever heard of.. I guess as long as Mr. Murry (CEO) gets his FAT PAYCHECK,, why bother trying to have happy customers... I had every intention of transferring all of my money into my GNCU accounts.. NOT A CHANCE now.. I will close my accounts as soon as I am near a branch.. I only hope there is something left by the time I get there.. THIS CU SUCKS!!!!!!!!!

WORST EVER!!!!!!!

Posted by: dougslick | Dec 16, 2014

They get one star because there is no ZERO star option... When I opened my account(s), I made it EXTREMELY CLEAR that I wouldn't be using my account very much and I would NOT open an account with ANY TYPE of "service charge". I was PROMISED by Melinda in the Reno branch that there would be NO SERVICE CHARGES AT ALL.. On my very first statement, there was a service charge. I made a phone call and was told that it is their policy to NEVER answer calls and that I had to wait "TWO HOURS" for a return call.. Next day,, STILL NO CALL,, I left more messages,, STILL NO RETURN CALL!!! I have left over a dozen messages and STILL NO CALL from the "management team".. This is hands down the WORST CU I have ever heard of.. I guess as long as Mr. Murry (CEO) gets his FAT PAYCHECK,, why bother trying to have happy customers... I had every intention of transferring all of my money into my GNCU accounts.. NOT A CHANCE now.. I will close my accounts as soon as I am near a branch.. I only hope there is something left by the time I get there.. THIS CU SUCKS!!!!!!!!!

Manipulate There Policies To Create Revenue .

Posted by: 2bnhealth | Dec 19, 2011

I have had now 3 times that GNCU has put a hold on my deposits to create non- sufficient fund charges on my account. It is a way for them to manipulate their policies against you. They have taken my deposits and run them through within 24 to 48 hours normally. However, when they know that they can manipulate their polices they will hold your deposits for 3 - 4 days. In order to discuss any issue in this form they only have you use message system, denying direct contact with a customer representative. I am done dealing with this manipulation. I would recommend not having any money in this Credit Union, as what I see is that they do not care about how they treat their customers. Personally I really feel that I would not give them any star rating for this reason.



Health
A

Health Grade Components

Overall
NCUA #68228
Year Chartered1949
Employees219
Primary Regulator
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD11.63%
Annual Interest Income$17.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$651.9MM$563.6MM
LoansQ3 2016vs Q3 2015$443.6MM$374.3MM
DepositsQ3 2016vs Q3 2015$580.7MM$499.0MM
Equity CapitalQ3 2016vs Q3 2015$64.3MM$57.2MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.5MM$2.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.0MM$2.3MM
Real Estate OwnedQ3 2016vs Q3 2015$0$442.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Greater Nevada Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Savings Shares
0.05%--Christmas Club
0.05%--Minor Shares
0.05%--IRA Shares
0.05%--Roth IRA Shares
0.05%--Health Savings Account

Greater Nevada Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Money Market
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $25k

Greater Nevada Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$10kAspire Checking
OTHER TIERS: 0.05% $10k+

Greater Nevada Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$10k*-60 Month CD
OTHER TIERS: 1.15% $1k - $10k
1.05%*$10k*-48 Month CD
OTHER TIERS: 0.95% $1k - $10k
0.85%*$10k*-36 Month CD
OTHER TIERS: 0.75% $1k - $10k
0.70%*$10k*-30 Month CD
OTHER TIERS: 0.60% $1k - $10k
0.65%*$10k*-24 Month CD
OTHER TIERS: 0.55% $1k - $10k
0.50%*$10k*-18 Month CD
OTHER TIERS: 0.40% $1k - $10k
0.40%*$10k*-12 Month CD
OTHER TIERS: 0.30% $1k - $10k
0.30%*$10k*-6 Month CD
OTHER TIERS: 0.20% $1k - $10k
0.20%*$10k*-3 Month CD
OTHER TIERS: 0.10% $1k - $10k

Greater Nevada Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$10k*-60 Month IRA
OTHER TIERS: 1.15% $1k - $10k
1.05%*$10k*-48 Month IRA
OTHER TIERS: 0.95% $1k - $10k
1.00%*$10k*-60 Month IRA - Special Distribution
OTHER TIERS: 0.90% $1k - $10k
0.85%*$10k*-36 Month IRA
OTHER TIERS: 0.75% $1k - $10k
0.80%*$10k*-48 Month IRA - Special Distribution
OTHER TIERS: 0.70% $1k - $10k
0.70%*$10k*-30 Month IRA
OTHER TIERS: 0.60% $1k - $10k
0.65%*$10k*-24 Month IRA
OTHER TIERS: 0.55% $1k - $10k
0.60%*$10k*-36 Month IRA - Special Distribution
OTHER TIERS: 0.50% $1k - $10k
0.50%*$10k*-18 Month IRA
OTHER TIERS: 0.40% $1k - $10k
0.45%*$10k*-30 Month IRA - Special Distribution
OTHER TIERS: 0.35% $1k - $10k
0.40%*$10k*-12 Month IRA
OTHER TIERS: 0.30% $1k - $10k
0.40%*$10k*-24 Month IRA - Special Distribution
OTHER TIERS: 0.30% $1k - $10k
0.25%*$10k*-18 Month IRA - Special Distribution
OTHER TIERS: 0.15% $1k - $10k
0.15%*$10k*-12 Month IRA - Special Distribution
OTHER TIERS: 0.05% $1k - $10k
Locations

Greater Nevada Credit Union has 13 locations. Click to view all Greater Nevada Credit Union locations.