Auto Loans
|
Loan Amount / Term
|
720+
|
680 - 719
|
650 - 679
|
625 - 649
|
600 - 624
|
<599
|
|---|---|---|---|---|---|---|
|
$5,000 to $9,999
(Max. Term 48 Months) |
6.79%
|
7.55%
|
9.19%
|
12.60%
|
18.00%
|
18.00%
|
|
$10,000 to $14,999
(Max. Term 60 Months) |
6.79%
|
7.55%
|
9.19%
|
12.80%
|
18.00%
|
18.00%
|
|
$15,000 to $24,999
(Max. Term 72 Months) |
7.24%
|
7.59%
|
9.64%
|
13.20%
|
18.00%
|
18.00%
|
|
Over $25,000
(Max. Term 84 Months) |
7.84%
|
8.29%
|
10.64%
|
14.25%
|
18.00%
|
18.00%
|
*Rates stated as annual percentage rate (APR). Loan rates accurate as of 05/22/2024 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
|
8.25% (Prime + 0.50)
|
|
Home Equity Line of Credit Up to 100% CLTV
|
10.75% (Prime + 3.00)
|
|
Fixed Rate Home Equity
|
9.25% (Prime + 1.50)
|
|
Solar Panel Home Equity Loan
|
9.00% (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 = 7.75% as of 11/08/2024). 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.
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
|
$15
|
|
Non-Sufficient Funds Fee (NSF)
|
$15
|
|
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.
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%
|
High-Yield Savings (Money Market) Rates
|
Balance
|
APY*
|
APR*
|
|---|---|---|
|
$2,500 – $9,999.99
|
0.75%
|
0.75%
|
|
$10,000 – $24,999.99
|
0.75%
|
0.75%
|
|
$25,000 – $49,999.99
|
0.80%
|
0.80%
|
|
$50,000 – $99,999.99
|
1.00%
|
1.00%
|
|
$100,000 – $249,999.99
|
1.05%
|
1.05%
|
|
$250,000+
|
1.10%
|
1.09%
|
Term Share Certificate Rates
Minimum $1,000 Deposit
|
Term
|
APY*
|
APR*
|
|---|---|---|
|
6 months
|
3.40%
|
3.36%
|
|
12 months
|
4.30%
|
4.23%
|
|
18 months
|
4.00%
|
3.94%
|
|
2 years
|
3.45%
|
3.41%
|
|
3 years
|
3.40%
|
3.36%
|
|
4 year & 5 year
|
3.35%
|
3.31%
|
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 11/12/2024. Share rates as of: 04/01/2024.
**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 by the NCUA and backed by the full faith and credit of the United States Government. Further, Great Basin members will have up to an additional $250,000 insured by the Excess Share Insurance Corporation (ESI), totaling up to $500,000 in deposit coverage.
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