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.

3.00*%-$15kGreater Nevada Credit UnionAspire Checking
OTHER TIERS: 0.05% $15k+
Accounts mentioned in this post. Rates as of September 24, 2017.

Aspire Checking Qualifying Requirements

  • Have at least 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. There is a $15 monthly service change that will be waived if the qualifying requirements are met. ATM fees will be reimbursed up to $15 per month when qualification requirements at satisfied, but GNCU participates in the CO-OP Shared Branch Network, giving members access to more than 30,000 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.

Joining GNCU and/or opening an Aspire Checking account can be done online, or in person at any of 13 branches located in Carson City (3), Dayton, Elko, Ely, Miden, Reno (4), Sparks, and West Wendover.

GNCU also has a "Refer A Friend" promotion that pays $25 to you and $25 to the new member when they open a new membership and checking account. This offer is valid for checking accounts opened before June 30, 2017.

Credit Union Overview

Greater Nevada Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.54% (excellent), based on December 31, 2016 data. In the past year, GNCU increased its total non-brokered deposits by $79.56 million, an excellent annual growth rate of 15.2%. 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 third largest credit union, with more than 54,000 members and assets in excess of $676 million. According to a November 2016 news release, GNVU was named,

the 2016 National Lender of the Year, after the Credit Union obligated 17 loans worth over $120 million, all guaranteed by USDA's Business and Industry Guaranteed Loan Program.

"Greater Nevada has a comprehensive lending portfolio around USDA programs. Not only have they obligated loan guarantees for 17 rural businesses in seven states this year, they are now participating in the Biorefinery Assistance program and the Multi-Family Housing Guaranteed Program."

How the Aspire Checking Compares

When compared to the 59 High Yield Reward Checking Accounts tracked by that are available within the FOM and have maximum qualifying balances of at least $15k, Greater Nevada Credit Union’s Aspire Checking APY currently ranks third.

The above rates are accurate as of 4/15/2017.

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 or our Rates Map page.

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Availability: Individuals who live or work in Nevada

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