Rates & Fees

Auto Loans

Loan Amount / Term
720+
680 - 719
650 - 679
625 - 649
600 - 624
<599
$5,000 to $9,999
(Max. Term 48 Months)
6.94%
7.70%
9.34%
12.85%
18.00%
18.00%
$10,000 to $14,999
(Max. Term 60 Months)
6.94%
7.70%
9.34%
12.85%
18.00%
18.00%
$15,000 to $24,999
(Max. Term 72 Months)
7.39%
7.74%
9.79%
13.45%
18.00%
18.00%
Over $25,000
(Max. Term 84 Months)
7.99%
8.44%
10.79%
14.45%
18.00%
18.00%

*Rates stated as annual percentage rate (APR). Loan rates accurate as of 01/01/2024 and are subject to change without notice. Additional lending policies may apply. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history. Existing Great Basin loans not eligible for refinance. 25 basis points (0.25) will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more.

Home Equity Loans

Product
Current Rate As Low As
Home Equity Line of Credit Up to 80% CLTV
9.00% (Prime + 0.50)
Home Equity Line of Credit Up to 100% CLTV
11.50% (Prime + 3.00)
Fixed Rate Home Equity
10.00% (Prime + 1.50)
Solar Panel Home Equity Loan
9.75% (Prime + 1.25)

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 = 8.50% as of 7/27/2023). 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.

Interested in applying for a mortgage? Click here to view our current rates.

Credit Cards

Credit Score
Rate
Max Credit Limit
680
9.25%
$10,000
650-679
11.25%
$10,000
625-649
13.25%
$5,000
600-624
15.25%
$2,500
<599
18.00%
$1,000

*Rates stated as annual percentage rate (APR). Rates and loan amounts vary depending on applicant financial status & credit history. Loan rates accurate as of 05/01/2022 & are subject to change without notice. Additional lending policies may apply.

Toy Loans

Loan Amount / Term
680+
650 - 679
625 - 649
600 - 624
<599
$5,000 to $14,999
(Max. Term 84 Months)
10.20%
12.20%
18.00%
18.00%
18.00%
$15,000 to $24,999
(Max. Term 96 Months)
10.45%
12.45%
18.00%
18.00%
18.00%
$25,000 to $49,999
(Max. Term 120 Months)
10.70%
12.70%
18.00%
18.00%
18.00%
Over $50,000 to $74,999
(Max. Term 144 Months)
10.70%
12.70%
18.00%
18.00%
18.00%
Over $75,000
(Max. Term 180 Months)
10.70%
12.70%
18.00%
18.00%
18.00%

Rates stated as annual percentage rate (APR). Loan rates accurate as of  02/01/2023 and are subject to change without notice. Additional lending policies may apply. 25 basis points (0.25) will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history.

Personal Loans

Product
APR Range
Lifestyle Loans
12.89% – 18.00%
Energy Saver Loan
11.89% – 17.00%
Credit Builder Loan
Secondary Savings Rate + 3.00%
Share Secured Loan
Primary Savings Rate + 3.00%
Advance Line
17.00%

Rates stated as annual percentage rate (APR). Loan rates accurate as of 02/01/2023 and are subject to change without notice. Additional lending policies may apply. 1% will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history.

Share Savings Rates

Product
Amount
APY*
APR*
Primary & Secondary Savings
Paid on balances $300 or more
0.10%
0.10%
Christmas Club
0.25%
0.25%
Youth Savings (Jr. Savers & Young Investors)
0.10%
0.10%

High-Yield Checking** Rates

Balance
APY*
APR*
Up to $15,000
4.50%
4.41%
Over $15,000
0.05%
0.05%
All balances if qualifications are not met
0.01%
0.01%

Premium Money Market Rates

Balance
APY*
APR*
$2,500 – $9,999.99
0.70%
0.70%
$10,000 – $24,999.99
0.70%
0.70%
$25,000 – $49,999.99
0.70%
0.70%
$50,000 – $99,999.99
0.80%
0.80%
$100,000 – $249,999.99
0.90%
0.90%
$250,000+
1.00%
1.00%

Term Share Certificate Rates

Minimum $1,000 Deposit

Term
APY*
APR*
6 months
3.60%
3.55%
12 months
4.65%
4.57%
18 months
4.65%
4.57%
2 years
4.25%
4.18%
3 year, 4 year, 5 year
4.25%
4.18%

Miscellaneous Certificate Rates

Product
APY*
APR*
Payday Certificate ($250 min. 1 yr term)
1.00%
1.00%
Achieve My Dream Certificate ($250 min. 1 yr term Jr. Savers & Young Investors only)
1.00%
1.00%

*APR=Annual Percentage Rate. APY=Annual Percentage Yield. Please see a member service representative for further details. Dividend rates and terms are subject to change without prior notice. Fees could reduce earnings. Certificate dividends are paid quarterly and are subject to early withdrawal penalties. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

Share certificate rates as of  10/01/2023. Share rates as of: 12/01/2023.

**High-Yield Rewards Checking: Qualifications and rewards may vary by account. Monthly Qualifications Include: (1) Have at least 15 debit card purchases post and settle, (2) Have at least 1 automatic payment (ACH) or direct deposit or bill pay transaction post and settle, and (3) Be enrolled in eStatements. Limit 1 Reward Checking per primary member Social Security Number. There are no recurring monthly service charges or fees to open or close this account.

As a Great Basin member, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Click here for important information about The Children’s Online Privacy Protection Act (COPPA).

Account Fees

Fee Type
Amount
Checking Monthly Fee
$0
Primary Savings Fee
If your Primary Savings is your ONLY product, a minimum $300 balance must be maintained; fee charged if requirement not met.
$10/month
Sole Proprietor Business Account Fee
$12 per month*
Premium Money Market Fee
$10 per month
(Waived for balances $2,500+)
Early Withdrawal Fee for Christmas Club, Pay Day Certificate, Achieve My Dream Certificate
$10
Account Closure Fee
$25
(within 90 days of opening)
Dormant Account Fee
$5/month
(365 days inactive)

Loan Fees

Fee Type
Amount
Return Loan Payment Fee
$35
Return Visa Loan Payment Fee
$35
Annual Skip-a-Pay Fee
$35 (Waived for accounts with active checking)

Transactional Fees

Fee Type
Amount
Cashier’s Check Fee
$5 (waived for age 55+)
Check Cashing Fee Non-Member
$5
Foreign Check Processing Fee
As much as $35 (Plus fees from 3rd party processors passed to the member)
Member Privilege Fee
$30
Non-Sufficient Funds Fee (NSF)
$30
Return Deposit Item Fee
$10

Miscellaneous Fees

Fee Type
Amount
Check Copies & Statement Copies Fee
$5 each copy
After 5 items, research fee may apply. Statements/check images in Online Banking for FREE.
Debit/Credit Card Replacement Fee
$10
Research/Legal Reconciliation Fee
$20 per 30 minutes (minimum 30 minutes)
Return Mail/Bad Address Locator Fee
$5
VISA Foreign Transaction Fee
2% (of transaction amount)**
Wire Transfer Fees
(Great Basin FCU does not process and send wire transfers outside of the United States)
Incoming Wire Fee - $0
Outgoing Wire Fee - $25

ALL FEES ARE SUBJECT TO CHANGE.
OTHER FEES MAY APPLY TO SPECIFIC PRODUCTS AND ARE DISCLOSED AT TIME OF OPENING THE PRODUCT.
*Non-Profit Business Accounts and Corporation/Partnership/LLC Business Accounts are no longer offered. Monthly fees for existing accounts of this type are: $5 for Non-Profit and $15 for Corp./Partnership/LLCs.
**VISA Foreign Transaction Fee or International Service Assessment Fees (ISAF) applies to VISA Debit and Credit. It is assessed even on online purchases made within the United States but where the merchant is located internationally.

Auto Loans

Loan Amount / Term
720+
680 - 719
650 - 679
625 - 649
600 - 624
<599
$5,000 to $9,999
(Max. Term 48 Months)
6.94%
7.70%
9.34%
12.85%
18.00%
18.00%
$10,000 to $14,999
(Max. Term 60 Months)
6.94%
7.70%
9.34%
12.85%
18.00%
18.00%
$15,000 to $24,999
(Max. Term 72 Months)
7.39%
7.74%
9.79%
13.45%
18.00%
18.00%
Over $25,000
(Max. Term 84 Months)
7.99%
8.44%
10.79%
14.45%
18.00%
18.00%

*Rates stated as annual percentage rate (APR). Loan rates accurate as of 01/01/2024 and are subject to change without notice. Additional lending policies may apply. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history. Existing Great Basin loans not eligible for refinance. 25 basis points (0.25) will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more.

Home Equity Loans

Product
Current Rate As Low As
Home Equity Line of Credit Up to 80% CLTV
9.00% (Prime + 0.50)
Home Equity Line of Credit Up to 100% CLTV
11.50% (Prime + 3.00)
Fixed Rate Home Equity
10.00% (Prime + 1.50)
Solar Panel Home Equity Loan
9.75% (Prime + 1.25)

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 = 8.50% as of 7/27/2023). 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.

Interested in applying for a mortgage? Click here to view our current rates.

Credit Cards

Credit Score
Rate
Max Credit Limit
680
9.25%
$10,000
650-679
11.25%
$10,000
625-649
13.25%
$5,000
600-624
15.25%
$2,500
<599
18.00%
$1,000

*Rates stated as annual percentage rate (APR). Rates and loan amounts vary depending on applicant financial status & credit history. Loan rates accurate as of 05/01/2022 & are subject to change without notice. Additional lending policies may apply.

Toy Loans

Loan Amount / Term
680+
650 - 679
625 - 649
600 - 624
<599
$5,000 to $14,999
(Max. Term 84 Months)
10.20%
12.20%
18.00%
18.00%
18.00%
$15,000 to $24,999
(Max. Term 96 Months)
10.45%
12.45%
18.00%
18.00%
18.00%
$25,000 to $49,999
(Max. Term 120 Months)
10.70%
12.70%
18.00%
18.00%
18.00%
Over $50,000 to $74,999
(Max. Term 144 Months)
10.70%
12.70%
18.00%
18.00%
18.00%
Over $75,000
(Max. Term 180 Months)
10.70%
12.70%
18.00%
18.00%
18.00%

Rates stated as annual percentage rate (APR). Loan rates accurate as of  02/01/2023 and are subject to change without notice. Additional lending policies may apply. 25 basis points (0.25) will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history.

Personal Loans

Product
APR Range
Lifestyle Loans
12.89% – 18.00%
Energy Saver Loan
11.89% – 17.00%
Credit Builder Loan
Secondary Savings Rate + 3.00%
Share Secured Loan
Primary Savings Rate + 3.00%
Advance Line
17.00%

Rates stated as annual percentage rate (APR). Loan rates accurate as of 02/01/2023 and are subject to change without notice. Additional lending policies may apply. 1% will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history.

Share Savings Rates

Product
Amount
APY*
APR*
Primary & Secondary Savings
Paid on balances $300 or more
0.10%
0.10%
Christmas Club
0.25%
0.25%
Youth Savings (Jr. Savers & Young Investors)
0.10%
0.10%

High-Yield Checking** Rates

Balance
APY*
APR*
Up to $15,000
4.50%
4.41%
Over $15,000
0.05%
0.05%
All balances if qualifications are not met
0.01%
0.01%

Premium Money Market Rates

Balance
APY*
APR*
$2,500 – $9,999.99
0.70%
0.70%
$10,000 – $24,999.99
0.70%
0.70%
$25,000 – $49,999.99
0.70%
0.70%
$50,000 – $99,999.99
0.80%
0.80%
$100,000 – $249,999.99
0.90%
0.90%
$250,000+
1.00%
1.00%

Term Share Certificate Rates

Minimum $1,000 Deposit

Term
APY*
APR*
6 months
3.60%
3.55%
12 months
4.65%
4.57%
18 months
4.65%
4.57%
2 years
4.25%
4.18%
3 year, 4 year, 5 year
4.25%
4.18%

Miscellaneous Certificate Rates

Product
APY*
APR*
Payday Certificate ($250 min. 1 yr term)
1.00%
1.00%
Achieve My Dream Certificate ($250 min. 1 yr term Jr. Savers & Young Investors only)
1.00%
1.00%

*APR=Annual Percentage Rate. APY=Annual Percentage Yield. Please see a member service representative for further details. Dividend rates and terms are subject to change without prior notice. Fees could reduce earnings. Certificate dividends are paid quarterly and are subject to early withdrawal penalties. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

Share certificate rates as of  10/01/2023. Share rates as of: 12/01/2023.

**High-Yield Rewards Checking: Qualifications and rewards may vary by account. Monthly Qualifications Include: (1) Have at least 15 debit card purchases post and settle, (2) Have at least 1 automatic payment (ACH) or direct deposit or bill pay transaction post and settle, and (3) Be enrolled in eStatements. Limit 1 Reward Checking per primary member Social Security Number. There are no recurring monthly service charges or fees to open or close this account.

As a Great Basin member, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Click here for important information about The Children’s Online Privacy Protection Act (COPPA).

Account Fees

Fee Type
Amount
Checking Monthly Fee
$0
Primary Savings Fee
If your Primary Savings is your ONLY product, a minimum $300 balance must be maintained; fee charged if requirement not met.
$10/month
Sole Proprietor Business Account Fee
$12 per month*
Premium Money Market Fee
$10 per month
(Waived for balances $2,500+)
Early Withdrawal Fee for Christmas Club, Pay Day Certificate, Achieve My Dream Certificate
$10
Account Closure Fee
$25
(within 90 days of opening)
Dormant Account Fee
$5/month
(365 days inactive)

Loan Fees

Fee Type
Amount
Return Loan Payment Fee
$35
Return Visa Loan Payment Fee
$35
Annual Skip-a-Pay Fee
$35 (Waived for accounts with active checking)

Transactional Fees

Fee Type
Amount
Cashier’s Check Fee
$5 (waived for age 55+)
Check Cashing Fee Non-Member
$5
Foreign Check Processing Fee
As much as $35 (Plus fees from 3rd party processors passed to the member)
Member Privilege Fee
$30
Non-Sufficient Funds Fee (NSF)
$30
Return Deposit Item Fee
$10

Miscellaneous Fees

Fee Type
Amount
Check Copies & Statement Copies Fee
$5 each copy
After 5 items, research fee may apply. Statements/check images in Online Banking for FREE.
Debit/Credit Card Replacement Fee
$10
Research/Legal Reconciliation Fee
$20 per 30 minutes (minimum 30 minutes)
Return Mail/Bad Address Locator Fee
$5
VISA Foreign Transaction Fee
2% (of transaction amount)**
Wire Transfer Fees
(Great Basin FCU does not process and send wire transfers outside of the United States)
Incoming Wire Fee - $0
Outgoing Wire Fee - $25

ALL FEES ARE SUBJECT TO CHANGE.
OTHER FEES MAY APPLY TO SPECIFIC PRODUCTS AND ARE DISCLOSED AT TIME OF OPENING THE PRODUCT.
*Non-Profit Business Accounts and Corporation/Partnership/LLC Business Accounts are no longer offered. Monthly fees for existing accounts of this type are: $5 for Non-Profit and $15 for Corp./Partnership/LLCs.
**VISA Foreign Transaction Fee or International Service Assessment Fees (ISAF) applies to VISA Debit and Credit. It is assessed even on online purchases made within the United States but where the merchant is located internationally.

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Existing members – apply in Online Banking for a faster experience! If you’re not registered yet, click to Sign Up.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Existing members – apply in Online Banking for a faster experience! If you’re not registered yet, click to Sign Up.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Existing members – apply in Online Banking for a faster experience! If you’re not registered yet, click to Sign Up.

Ready to Apply?

Please click below to follow the link to our secure loan application.

Existing members – apply in Online Banking for a faster experience! If you’re not registered yet, click to Sign Up.

2024 Holiday Schedule

  • New Year's Day

    Monday, January 1, 2024

  • Martin Luther King Jr. Day

    Saturday, January 13th – Monday, January 15th

  • President’s Day

    Saturday, February 17th – Monday, February 19th

  • Memorial Day

    Saturday May 25th – Monday, May 27th

  • Juneteenth: National Independence Day

    Wednesday, June 19th

  • Independence Day

    Thursday, July 4th

  • Labor Day

    Saturday, August 31st – Monday, September 2nd

  • Nevada Day

    Friday, October 25th – Saturday, October 26th

  • Veterans Day

    Monday, November 11th

  • Thanksgiving Day

    Thursday, November 28th – Saturday, November 30th

  • Christmas Eve

    Tuesday, December 24th – closing @ 1pm

  • Christmas Day

    Wednesday, December 25th