Home Loans

Home Sweet Home Starts Here.

You’ve worked hard for your home, now, put it to work for you. From DIY projects to major renovations, we’re here to work with you to make your house a home.
Your home buying dream start here:
What We Offer

Home Loan Options

Home Equity Line of Credit

Similar to a credit card, a Home Equity Line of Credit (or HELOC) can use the equity in your home to affordably finance expenses like college tuition, medical bills, renovations and so much more. You can even pay down your existing debts into one, simple monthly payment.

  • Borrow from $10,000 to $250,000, up to 80% of Combined Loan to Value (CLTV)
  • Variable rate up to 16.00% APR* up to 10 years
  • No closing costs
  • Access your funds online, in a branch, or with a check

Apply Online

Fixed Home Equity Loan

Similar to a HELOC, you can finance whatever you need to using your home’s equity. With a Home Equity Loan, you can:

  • Borrow from $5,000 to $75,000 for up to 180 months, up to 80% of Combined Loan to Value (CLTV)
  • A fixed rate, fixed loan amount, and fixed term
  • No closing costs

Apply Online

Solar Panel Home Equity Loans

We make going Solar simple. With a Solar Loan from Great Basin, you can borrow up to $75,000 for up to 180 months and enjoy the peace of mind that comes with a low, fixed-rate, fixed term, and fixed loan amount. Enjoy a 0.25 rate discount** on Solar Loans (when compared to our standard Fixed Rate Home Equity Loan).

Apply Online


First home? Second home? Upgrading or downsizing? Whatever your needs, we’ve partnered with Mason-McDuffie Mortgage to help find your next home.

Mason-McDuffie Mortgage is a mortgage broker; we have a Mortgage Loan Officer in the local Reno office. Great Basin FCU conducts initial conversations and refers the member to apply with Mason-McDuffie who will complete all the loan processing. Once you have been approved for a loan, we will work with Mason-McDuffie to fund your loan. If the loan does not meet the parameters of our funding policy, Mason-McDuffie would be able to seek another lender that could help you with final financing. After reviewing the website, if you are interested in speaking with our partner Mortgage Officer, please fill out the pre-application.

Apply Online

Owning a Home

Learn the costs you should expect and the benefits you can gain from owning a home!
Person holding small house in hand with keys on finger

*Early closure fees may apply on all Home Equity Loans if closed within 36 months. On approved credit; for qualified borrowers. No closing costs; no points; no origination fees. Appraisal may be required; can be reimbursed upon funding. The interest rate is tied to the Prime Rate as listed in the Wall Street Journal. Interest rate may change quarterly on variable rate loans; annually, your payment may change as a result of changes in the Prime Rate throughout the year. Home Equity Line of Credit Annual Percentage Rate (APR) based on Prime + 50 basis points or Prime + 300 basis points (depending on Combined Loan to Value – CLTV – amount) with floor rate of 5.00% (Prime = 7.50% as of 12/15/2022). Prime + 50 or 300 basis points will apply for the life of your loan; not a promo rate. Fixed Rate Home Equity Loans also available. Great Basin FCU will finance qualifying new Home Equity Loans or refinance qualifying Home Equity Loans from other financial institutions. Existing GBFCU loans not eligible for refinance. Please ask for examples of CLTV.

**Member will receive a 25-basis point discount from the traditional Fixed Equity rate. Maximum CLTV is 85.00%. Members can apply for this loan to purchase and install a Solar Panel System. Member must provide an invoice or pricing proposal to confirm this is a new installation. The loan amount will be for the full amount shown on the invoice and will be payable upon completion to solar provider of the installation. Offer not valid on previously purchased or leased systems.


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Holiday Closings 2023

  • Christmas

    Monday, December 26, 2022

  • New Year's Eve

    Monday, January 2, 2023

  • Martin Luther King Jr. Day

    Monday, January 16, 2023 (as well as Saturday, January 14th)

  • President’s Day

    Monday, February 20, 2023 (as well as Saturday, February 18th)

  • Memorial Day

    Monday, May 29, 2023 (as well as Saturday, May 27th)

  • Juneteenth: National Independence Day

    Monday, June 19, 2023

  • Independence Day

    Tuesday, July 4, 2023

  • Labor Day

    Monday, September 4, 2023 (as well as Saturday, September 2nd)

  • Nevada Day

    Friday, October 27, 2023 (as well as Saturday, October 28th)

  • Veterans Day

    Saturday, November 11, 2023

  • Thanksgiving Day

    Thursday, November 23, 2023

  • Family Day

    Friday, November 24, 2023 (as well as Saturday, November 25th)

  • Christmas Day

    Monday, December 25, 2023