One Nevada Credit Union

What One Nevada Credit Union does

One Nevada Credit Union is a not-for-profit, member-owned financial cooperative founded in 1950 and headquartered in Las Vegas, Nevada, that operates as the largest locally owned federally insured credit union in the state. The institution serves Nevada residents (with specialized product lines for youth ages 15-21 and households earning under $35,000 annually) through a multi-channel distribution model consisting of 15+ full-service branches concentrated in Las Vegas, Henderson, North Las Vegas, Reno, and Pahrump, plus a 43,000+ ATM footprint enabled by the AllPoint network, online account opening, iOS/Android mobile apps, and 24/7 phone banking. Its product suite spans five verticals: personal banking (four checking tiers plus Primary/Secondary savings, money market, and CDs), Visa credit cards (Platinum Rewards, Signature Rewards, Share Secured), loans (personal, vehicle, mortgage, commercial real estate, BNPL, credit builder), insurance distribution through carrier partnerships, and investment services through partnered financial advisors. Digital features include mobile check deposit, Zelle P2P, SavvyMoney credit score monitoring, KeepTrack account aggregation, and the GetMyRate instant pre-qualification tool.

Name

One Nevada Credit Union

Legal name

One Nevada Credit Union

Website

https://onenevada.org

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

251–500 employees

Short description

One Nevada Credit Union is a federally insured, member-owned cooperative founded in 1950, serving Nevada residents through 15+ branches and digital channels with checking, savings, credit cards, consumer and commercial loans, insurance, and investment services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Virtual / Digital-First Credit Cards (FSAKABAK)

Keywords

• Retail banking services
• Consumer lending
• Credit union
• Deposit accounts
• Mortgage lending

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: The credit union earns interest income on various loan products including auto loans, mortgages, personal loans, credit cards, and home equity products
2. Account Fees and Service Charges: Monthly service fees on certain checking accounts, overdraft fees, and other banking service charges
3. Credit Card Operations: Interchange income and interest from Visa credit card products including Platinum Rewards, Signature Rewards, and Share Secured cards
4. Insurance Commission Revenue: Commissions earned through One Nevada Insurance Services partnerships offering auto, home, life, pet, and other insurance products
5. Investment Services Revenue: Revenue from financial planning and investment advisory services through partnered advisors

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

One Nevada Credit Union is a federally insured, member-owned financial cooperative offering consumer banking, lending, and wealth services. Core offerings include checking and savings accounts, Visa credit and debit cards, personal and vehicle loans, mortgages and home-equity products, commercial real estate loans, plus insurance distribution and investment advisory services delivered through partner providers. All members access 43,000+ surcharge-free ATMs, mobile and online banking, Zelle payments, and in-branch service across 15+ Nevada locations.

Product overview

One Nevada Credit Union operates as a full-service Nevada-based credit union offering a unified banking platform organized into five core product lines: (1) Personal Banking — checking accounts (One Checking® Rewards, One Checking®, MyChecking, Essential Checking), VISA® credit cards (Platinum Rewards, Signature Rewards, Platinum Share Secured), and savings accounts (Primary, Secondary, Money Market, CDs); (2) Loans — personal loans, vehicle loans, mortgage products, and commercial real estate loans; (3) Digital Banking — Mobile Check Deposit, CashBack+, and KeepTrack® financial monitoring; (4) Insurance — auto, home, renters, life, pet, Medicare, GAP, and payment protection offered through partnerships; and (5) Investment Services — financial planning, retirement income, and education planning through partnered advisors. The product suite is anchored by digital banking tools (mobile app, online banking, Zelle, AllPoint ATMs) that connect all account types.

Differentiator

Problem solved

Functional benefit

Products and services

• One Checking Rewards Premium consumer checking account that earns 0.5% cash back on signature-based debit card purchases. Includes early direct deposit (up to 2 days), no ATM fees at AllPoint locations, instant-issued debit card, and carries a $5 monthly fee waived with 15+ signature-based debit transactions or $2,000 average daily balance.
• One Checking Basic consumer checking account with a free Visa debit card, Zelle person-to-person payments, bill pay, and access to 43,000+ surcharge-free ATMs. Monthly fee of $5 is waived with 15+ signature-based debit transactions or $2,000 average daily balance.
• MyChecking Fee-free youth checking account for members ages 12-17 (and listed as 15-21 on the product page) designed to teach financial responsibility. No overdraft capability, individual card control settings, Zelle access, and digital banking tools included. Must be opened in-branch and converts to One Checking at age 21.
• Essential Checking No-monthly-fee checking account for households with verified income of $35,000 or less annually. Includes a free Visa debit card, AllPoint surcharge-free ATM access, and mobile and digital banking. Must be opened in-branch with routine income verification.
• Visa Platinum Rewards Credit Card Rewards-bearing Visa credit card issued by One Nevada with competitive rates and transparent terms. Combines spending rewards with Visa worldwide acceptance for One Nevada consumer and member cardholders.
• Visa Signature Rewards Credit Card Premium-tier Visa credit card offering enhanced rewards and signature-level benefits, with competitive rates and rewards programs designed for responsible spending members.
• Visa Platinum Share Secured Credit Card Secured credit card backed by a member's share savings deposit, designed to help build or rebuild credit history with transparent terms and competitive rates.
• Primary Savings Basic savings account serving as the primary share deposit account for members, offering dividends on balances and NCUA-insured deposit protection.
• Secondary Savings Additional savings account for members who want to separate savings goals or build supplementary emergency funds alongside their Primary Savings balance.
• Money Market Accounts Tiered savings account offering higher interest rates than standard savings with limited check-writing and ATM access, designed for members holding larger balances.
• Certificates of Deposits (CDs) Term savings products offering fixed rates and terms for members who can lock funds in for a set period in exchange for predictable returns.
• Personal Loans Suite of unsecured and secured consumer lending products including signature loans, lines of credit, savings-secured loans, credit builder loans, Advance Pay, and Buy Now Pay Later (BNPL).
• Vehicle Loans Lending products for vehicle purchases and refinancing including new and used auto loans, motorcycle/ATV loans, RV loans, and watercraft loans. New auto loans begin at 5.49% APR with a 90-day no-payment promotional option for qualified borrowers financing directly with One Nevada.
• Mortgage Products Full mortgage lending suite for owner-occupant and homeowner needs including purchase loans, refinance loans, reverse mortgages, home equity loans, and home equity lines of credit (HELOCs), originated through One Nevada's Mortgage Center.
• Commercial Real Estate Loans Business-purpose real estate financing for commercial property acquisitions and refinances, originated through dedicated commercial loan officers such as Michael Zufelt.
• One Nevada Insurance Services Insurance distribution service offering auto, homeowners, renters, life, umbrella, pet, Medicare, accidental death and dismemberment (AD&D), GAP, payment protection, and major mechanical protection through partnerships with top-rated insurance carriers.
• One Nevada Investment Services Wealth management and financial planning services including retirement income planning, education planning, and access to financial advisors Chris Wible and Jeffery W Zemp, delivered through partnerships with qualified investment advisors.

Quantifiable outcome

• Rates lower than national banks with flexible terms
• +4 more outcomes

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• AllPoint NetworkcoreTechnology or IntegrationAllPoint partnership provides 43,000+ surcharge-free ATMs nationwide including 500+ in Nevada. Members access cash withdrawals without fees at all AllPoint locations.
• SavvyMoneycoreTechnology or IntegrationSavvyMoney partnership enables free credit score access and alerts for members through online and mobile banking platform.
• VisacoreTechnology or IntegrationVisa debit and credit card issuance partnership providing Visa-branded cards accepted worldwide. Includes Platinum Rewards, Signature Rewards, and Share Secured credit cards.
• ZellecoreTechnology or IntegrationPerson-to-person payment integration allowing members to send and receive money directly between bank accounts.
• Insurance PartnerscoreChannel Partner/ Reseller/ DistributorPartnerships with top-rated insurance providers offering auto, home, renters, life, pet, Medicare, umbrella, and other insurance products through One Nevada Insurance Services.
• Investment AdvisorscoreChannel Partner/ Reseller/ DistributorPartnership with qualified investment advisors for retirement planning, wealth management, and financial planning services including Chris Wible and Jeffery W Zemp.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Alliant Credit Union: Federally chartered digital-first credit union offering checking, savings, credit cards, auto loans, and mortgages nationally. Directly comparable member-owned cooperative model with strong digital banking focus.
• Golden 1 Credit Union: California-based member-owned credit union offering a comparable full-service suite including checking, savings, auto loans, mortgages, credit cards, and digital banking. Direct peer as a similarly scaled, community-focused, federally insured credit union competing in retail banking.
• PenFed Credit Union: Large federally chartered credit union with nationwide membership, offering checking, savings, mortgages, auto loans, and credit cards. Comparable cooperative model and product breadth, with broader geographic reach.
• Greater Nevada Credit Union: Nevada-based credit union with branches across Reno and northern Nevada, offering similar retail banking and lending products. Closest in-state direct competitor for member deposits, auto loans, and mortgages.
• SchoolsFirst Federal Credit Union: Large California credit union serving a defined membership group with full retail banking, lending, and investment services. Comparable in scale, member-owned cooperative structure, and breadth of consumer financial products.

Regional players

• Bank of Nevada: Las Vegas-based community bank competing for Nevada retail deposits, mortgages, and commercial lending. Operates in the same geography with comparable retail and small-business banking services.
• Nevada State Bank: Nevada-headquartered community bank operating across the same geography with deposit, lending, and treasury products. Direct in-market competitor for Las Vegas and Reno deposits, mortgages, and small-business banking.

Broad incumbents

• Discover Financial Services: Direct bank and card issuer offering deposit products, personal loans, student loans, and credit cards. Competes with One Nevada on credit card rewards and personal lending rates.
• Wells Fargo: National bank with substantial Nevada branch presence competing for retail deposits, mortgages, auto loans, and credit cards. Sets the rate and convenience benchmark One Nevada must meet to retain members.
• Ally Bank: Digital-first national bank offering high-yield savings, low-fee checking, auto loans, mortgages, and investment products. Competes with One Nevada on deposit rates, auto loan pricing, and digital UX for Nevada residents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/onenevada
• YouTubeyoutube.com/user/onenevadacu
• Facebookfacebook.com/onenevada
• LinkedInlinkedin.com/company/one-nevada-credit-union

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One Nevada Credit Union