Greater Nevada Credit Union Ups Aspire Checking, 4.00% APY Up To $50k


Deal Summary: Aspire Checking (reward checking account), 4.00% APY up to $50k.

Availability: Individuals who live or work in Nevada.

It’s been more than nine years since I first wrote about Greater Nevada Credit Union’s (GNCU) reward checking account (RCA). At the time, it was known as the Greater Checking account and earned 3.00% APY up to $25k. There have been a variety of changes since 2009, including an account name change (Aspire Checking), APY decreases/increases, a lowered balance cap, and an expansion of GNCU’s field of membership.

When I last wrote about Aspire Checking in April 2017, the account earned 3.00% APY on qualifying balances up to $15k. Earlier in January, the APY increased to 4.00% and the qualifying balance cap jumped to $50k. Qualifying balances of $50k+ earn 0.05% APY, as do all non-qualifying balances.

The rate increase and the balance cap expansion are impressive on their own – together, they make for a very good RCA deal.

4.00*%-$50kGreater Nevada Credit UnionAspire Checking
OTHER TIERS: 0.05% $50k+
Rates as of May 29, 2024.

Qualifying Requirements

  • Have at least nine (lowered from 15) debit card purchases.
  • Have at least one Direct Deposit.
  • Receive eStatements.

The Aspire Checking account has no minimum balance requirement or minimum opening deposit. The one potential drawback is the $15 monthly service change, which will be imposed if the qualifying requirements aren’t met. (FYI - it’s unusual for an RCA to have a monthly fee.) ATM fees will be reimbursed up to $15 per month when the qualification requirements are met. GNCU also participates in the CO-OP Shared Branch Network, giving members access to more than 30,000 fee-free ATMs nationwide.


Headquartered in Carson City, Greater Nevada Credit Union’s field of membership (FOM) is residency based, with all individuals who live or work in Nevada eligible to join. In addition, anyone related to a current GNCU member by blood, marriage or adoption, AND lives in the same household, also qualifies for membership.

Since I last wrote about GNCU in 2017, a merger with Frontier Financial Credit Union was finalized, making GNCU the largest locally-owned financial institution in northern Nevada.

Joining GNCU and/or opening an Aspire Checking account can be done online, or in person at any of 19 Nevada branches located in Carson City (4), Dayton, Elko (2), Ely, Fernley, Miden, Reno (6), Sparks (2), and West Wendover.

Credit Union Overview

Greater Nevada Credit Union has an overall health grade of "A" at, with a Texas Ratio of 8.48% (excellent), based on September 30, 2018 data. In the past year, GNCU increased its total non-brokered deposits by $88.66 million, an excellent annual growth rate of 12.08%. Please refer to our financial overview of Greater Nevada Credit Union (NCUA Certificate # 68228) for more details.

Founded in 1949, Greater Nevada Credit Union is currently Nevada’s largest credit union, with nearly 68,000 members and assets in excess of $938 million. According to an April 2016 CU Times article, the Credit Union entered,

into a 15-year naming rights agreement for the home venue of the Reno Aces Baseball Club in Reno, a Triple A affiliate of Major League Baseball’s Arizona Diamondbacks. The ballpark will be named Greater Nevada Field.

“We believe we share a mutual commitment toward encouraging continued economic revitalization and community development in our region,” Greater Nevada President/CEO Wally Murray said. “We’re looking forward to Greater Nevada Field becoming a year-round venue that hosts a variety of events and programs and provides a multitude of safe and enjoyable experiences for families, individuals and groups.”

How the Aspire Checking Compares

When compared to the High Yield Reward Checking Accounts tracked by that are available within the FOM and have maximum qualifying balances of at least $50k, Greater Nevada Credit Union’s Aspire Checking APY currently ranks first.

The above rates are accurate as of 2/1/2019.

To look for the best Reward Checking Account rates, both nationwide and in your state, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Salt Lake City checking accounts, Reno checking accounts, reward checking accounts

Previous Comments
  |     |   Comment #1
Nice deal, if only I lived or worked there.
  |     |   Comment #2
Finally, a great deal right in my neighborhood just a few miles down the road from my house. It's great not having to jump through hoops to qualify for membership and transferring money back East to fund financial accounts.
  |     |   Comment #3
There are several 4% RCAs newly offered (e.g., Scott, Progressive, Liberty, and Orion) in addition to this one. I am impressed by the small number of debit card transactions needed and the larger limit ($50K). It does not have a limit as to how many RCAs one can open, either. But watch out for their fees and bad service, as reported on Ken's this CU site. And yes, very geographically limited, so no hope for me. I am staying with SWACU.
deplorable 1
  |     |   Comment #4
Ok now even I would do this RCA If I lived in the area. $50,000 cap 4% APY and only 9 transactions/mo. This is a must do if you live in the area.
Greater Nevada CU's Aspire Checking Earns 3.00% APY Up To $15k
Deal Summary: Aspire Checking, 3.00% APY up to $15k.

Availability: Individuals who live or work in Nevada.

I first wrote about Greater Nevada Credit Union’s (GNCU) Aspire Checking account in 2009. In the past eight years there have been several changes, including an account name change, APY decreases/increases, a lowered balance cap, and an expansion of the field of membership.

The Aspire Checking account currently earns 3.00% APY on qualifying balances up to $15k. Qualifying balances of $15k+ earn 0.05% APY, as do non-qualifying balances.

Continue Reading
Greater Nevada CU Has Top Rates On Four CDs - Limited Time Offer

UPDATE 5/21/2015: Rates were dropped on 5/20/2015.

Availability: Individuals who live or work in Nevada

Every so often, great rates appear where you might least expect them, and that’s exactly what happened today when Greater Nevada Credit Union (Greater Nevada CU) raised the rates on four of its CDs: 18-month CD (1.50% APY), 24-month CD (2.00% APY), 36-month CD (2.50% APY), and 48-month CD (3.00% APY).

The minimum opening deposit for any these CDs is $1K, with no maximum balance cap. The CDs are also available as IRAs...

Continue Reading
Top Rates on CD Specials at Greater Nevada Credit Union - Local Only

Greater Nevada Credit Union started offering great rates on IRA CD specials early this year. Those specials were extended a couple of months ago to regular CDs. The credit union has just changed the specials, and the new specials are even a better deal. The specials include a 3% APY 4-year CD, a 2.50% APY 3-year CD, a 2.00% APY 2-year CD and a 1.50% APY 18-month CD. These are also available as IRA CDs. Minimum deposit is $1,000. These rates are listed in the credit union’s rates page as...

Continue Reading
Special IRA CD Rates at Greater Nevada Credit Union - Local Only

IRA specials are common this time of year as banks and credit unions try to attract new customers. This time of year before April 15th, you can make IRA contributions for both the current year and the previous year. I came across a credit union with a nice IRA CD promotion. It’s Greater Nevada Credit Union, and it has three special IRA certificates with very competitive rates: 2.20% APY 37-month, 1.70% APY 27-month and 1.20% APY 17-month. Minimum deposit is $1,000. These rates are listed in the credit union’s rates...

Continue Reading
3.00% Reward Checking Account at Greater Nevada Credit Union

Update 7/27/10: The reward checking account is temporarily unavailable for new accounts.

Greater Nevada Credit Union has started a reward checking account called Greater Checking that pays 3.00% APY on balances up to $25,000 (0.25% for above) and refunds all ATM fees if the following monthly requirements are met: 1) 12 debit card transactions, 2) one direct deposit or ACH auto debit, and 3) receive electronic statements. If these are not met, the rate falls to 0.10%. There are no minimum balance requirements and no monthly service charges.

This is one of...

Continue Reading

More Past Offers

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.