Welcome GNCU

Welcome GNCU

Greater Nevada Credit Union Is Now a Division of America First Credit Union

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Share Secured Loans
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Share Secured Loans

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Share Secured Loans

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Share Secured Loans
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Lower Your Loan Rate

A share-secured loan from America First is a good idea if you're looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With this type of financing, you borrow against your savings at America First and receive a low-rate loan, while still earning interest on your deposits.

SEE OUR RATES

Lower Your Loan Rate

SEE OUR RATES
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A share-secured loan from America First is a good idea if you're looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With this type of financing, you borrow against your savings at America First and receive a low-rate loan, while still earning interest on your deposits.

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A man and a woman enjoying coffee in front of their laptop.

Credit Builder Plus

This type of loan allows those with bad credit or no credit at all to strengthen their credit score. This share-secured loan uses the proceeds pledged in your share savings account until the loan is paid in full.

  • Pledge amount reduces as payments are made
  • 1-year terms
  • 10.00% APR*

Credit Builder Plus

A man and a woman enjoying coffee in front of their laptop.
A man and a woman enjoying coffee in front of their laptop.

This type of loan allows those with bad credit or no credit at all to strengthen their credit score. This share-secured loan uses the proceeds pledged in your share savings account until the loan is paid in full.

  • Pledge amount reduces as payments are made
  • 1-year terms
  • 10.00% APR*
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Build your Credit

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Loans secured by your Share Savings can be an ideal option if you're seeking to rebuild your credit.

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Secure Your Funds

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Utilize your money without decimating your savings. Discover how easy it can be to get a share-secured loan from America First Credit Union.

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  • You can borrow up to 100% of the balance in your Share Savings Account.
  • No fees.
  • Flexible terms - up to 120 months.
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Check Your Application Status

Get updates on the status of new America First account and loan applications. You can also securely send us new account or loan documents through this portal, excluding mortgages, construction financing, and commercial lending.

LEARN MORE

Check Your Application Status

LEARN MORE
People looking at a tablet
app-status

Get updates on the status of new America First account and loan applications. You can also securely send us new account or loan documents through this portal, excluding mortgages, construction financing, and commercial lending.

OUR PRODUCTS
TERM
1 Years
APR* (AS LOW AS)
12.49% Fixed
APPLY ONLINE
APPLY NOW
TERM
Monthly Payment = 3.5% of balance
APR* (AS LOW AS)
16.49% Variable
APPLY ONLINE
APPLY NOW
TERM
APR* (AS LOW AS)
Certificate Rate + 3.00% Fixed
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APPLY NOW
TERM
APR* (AS LOW AS)
10.0% Fixed
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TERM
10 Years
APR* (AS LOW AS)
3.05% Variable
APPLY ONLINE
APPLY NOW
TERM
APR* (AS LOW AS)
3.05% Variable
APPLY ONLINE
APPLY NOW

*The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.

PRODUCT TERM APR* (AS LOW AS) APPLY ONLINE
PERSONAL 1 Years 12.49% Fixed
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LINE OF CREDIT Monthly Payment = 3.5% of balance 16.49% Variable
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CERTIFICATE SECURED Certificate Rate + 3.00% Fixed
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Credit Builder Plus 10.0% Fixed
SHARE SECURED 10 Years 3.05% Variable
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SHARE SECURED LINE OF CREDIT 3.05% Variable
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*The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.

We're Here to Help You

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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