WestStar Credit Union

What WestStar Credit Union does

WestStar Credit Union is a member-owned, Nevada state-chartered financial cooperative headquartered in Las Vegas, founded on October 17, 1975 (originally as Howard Hughes Employees' Federal Credit Union within the Silver Slipper Casino). The institution serves approximately 19,000 members through five branch locations across Nevada (Las Vegas, Reno, and Sparks), with a charter-defined field of membership centered on residents employed in the gaming, entertainment, and hospitality industries. Acquisition is driven by over 200 Select Employer Group (SEG) partnerships with major operators including Caesars Palace, MGM Grand, Wynn Resorts, Venetian, Boyd Gaming, and Station Casinos, supplemented by a Business Development team conducting regular on-site visits to casino properties for account opening and loan origination. Membership eligibility extends to family and household members of SEG employees and to members of partner organizations including AAA Nevada and Friends of Nevada Wilderness.

The product platform is a full-service retail banking offering spanning deposit products (Radiant Star Checking at $7/month, Star Checking, Base Checking, Fresh Start Checking, Regular Savings, Share Savings, Minor Share Savings, Holiday Club, Money Market, Term Certificates, and IRAs), consumer lending (home mortgages, HELOCs with a 3.49% APR 6-month introductory offer, home equity loans, auto loans with promotional refinance rates, secured/unsecured personal loans, lines of credit), and the FLEXRewards Platinum Mastercard. Underlying technology is delivered through vendor integrations rather than proprietary systems: digital banking powered by Kasasa/FIRSTBranch, online account opening and loan applications via MeridianLink, mortgage servicing by Colonial Mortgage Services and Dovenmuehle Mortgage, loan payments via ProfitStars Smart Pay, credit card management through MyCardInfo, and surcharge-free ATM access through the CO-OP network spanning 30,000+ ATMs. The website carries AudioEye WCAG 2.2 Level AA accessibility certification.

Revenue mechanics are standard for retail credit unions: net interest income on the loan portfolio (mortgages, auto, personal, credit card) is the primary stream, supplemented by account service fees (Radiant Star Checking $7/month, overdraft, ATM, wire), credit card interchange on FLEXRewards Mastercard transactions, and referral/affiliate income from insurance and investment product partnerships. Go-to-market combines on-site SEG outreach, direct-to-consumer digital onboarding, member referral incentives ($100 referrer / $50 friend), and content marketing through a financial education blog and consumer alerts program. As a Nevada state-chartered credit union (charter transitioned from Federal in 1997), deposits are insured by the NCUA up to $250,000, with additional Excess Share Insurance up to $2,250,000.

Name

WestStar Credit Union

Legal name

WestStar Credit Union

Website

https://weststar.org

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

51–100 employees

Short description

WestStar Credit Union is a member-owned Nevada state-chartered credit union founded in 1975, serving approximately 19,000 members across five branches. The institution provides retail banking products (deposits, consumer loans, mortgages, credit cards) to Nevada gaming, entertainment, and hospitality industry employees through 200+ Select Employer Group partnerships with major casino operators.

Ownership category

akta.pro rank

Product category

Retail Banking / Consumer Financial Services (Credit Union)

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer lending products
• Mortgage and home equity loans
• Credit union membership
• Personal financial services

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income - Loans: Interest earned on mortgage loans (home purchase, home equity, HELOC), auto loans, personal loans (secured and unsecured), and credit card balances.
2. Service Fees and Charges: Monthly service fees on premium checking accounts (Radiant Star Checking $7/month), overdraft fees, ATM fees for out-of-network usage, wire transfer fees, and other account service charges.
3. Insurance and Investment Products: Revenue from insurance product partnerships (pet insurance through Prudent Pet) and investment services/financial advising offerings.
4. Credit Card Interchange: Interchange fees earned on FLEXRewards Platinum Mastercard credit card transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

WestStar Credit Union is a member-owned financial cooperative providing retail banking products and consumer lending services to Nevada residents, primarily gaming, entertainment, and hospitality industry employees and their families. Core offerings include deposit accounts (checking, savings, money market, CDs, IRAs), consumer loans (mortgages, home equity/HELOC, auto, personal), a FLEXRewards Platinum Mastercard credit card, and supporting services such as digital banking, mobile deposit, financial advising, insurance referrals, and trust and will services.

Product overview

WestStar Credit Union is a member-owned financial cooperative serving Nevada residents since 1975, primarily serving gaming, entertainment, and hospitality professionals. The company operates a platform-plus-modules architecture offering core banking products including multiple checking account tiers (Radiant Star Checking, Star Checking, Base Checking, Fresh Start Checking), savings accounts (Share Savings, Regular Savings, Minor Share Savings, Holiday Club), and investment accounts (Money Market, Term Certificates, IRAs). The lending portfolio spans home loans (Mortgage, Home Equity, HELOC), auto loans, personal loans (Unsecured, Secured, Line of Credit), and credit cards (FLEXRewards Platinum Mastercard). Supporting modules include Digital Banking (online/mobile with Mobile Deposit), insurance services, financial advising, trust and will services, and GreenPath financial wellness education. The credit union serves over 19,000 members through five branch locations and was voted Best of Las Vegas in 2025 for Best Credit Union, Best Mortgage Lender, Best Savings Account, Best Finance Customer Service, and Best Credit Card Rewards.

Differentiator

Problem solved

Functional benefit

Products and services

• Radiant Star Checking Premium checking account offering financial convenience with personal protection, money-saving discounts, and lifestyle support services including cell phone protection, ID theft aid, telemedicine, pet care benefits, and bill negotiation; $7 monthly fee.
• Star Checking Standard/premium checking account with basic features and access to digital banking services, including ID Theft Aid, credit monitoring, and identity monitoring.
• Base Checking Basic checking account option for members seeking simple account features.
• Fresh Start Checking Checking account designed for members rebuilding their financial history.
• Share Savings Essential savings account establishing credit union membership with $5 minimum deposit, earning competitive dividends on balances of $500 or more.
• Regular Savings Savings account with no monthly service fee or minimum balance requirements, competitive dividends on daily balance paid monthly, up to 6 free in-branch withdrawals.
• Minor Share Savings Savings account for children up to 18 years old to teach financial literacy, requires $5 minimum deposit and $25 balance to earn dividends; legal adult joint owner.
• Holiday Club Account Savings account for holiday season planning with funds disbursed automatically in November each year.
• Money Market Account Investment savings account with competitive dividend rates and limited check-writing privileges.
• Term Certificates Certificate of Deposit (CD) products with fixed terms and competitive rates.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including Traditional and Roth IRA options.
• Home Mortgage Loans Mortgage financing for purchasing homes with various term options and competitive rates.
• Home Equity Loans / HELOC Loans using home equity as collateral, including a revolving Home Equity Line of Credit (HELOC) with flexible borrowing up to a set limit; 3.49% APR introductory rate available for 6 months.
• Auto Loans Vehicle financing for new and used cars with competitive rates, including refinancing options with up to 2% rate reduction and 90 days no payment promotions.
• Unsecured Personal Loans Personal loans not requiring collateral, offering fixed rates and set monthly payments for various financial needs.
• Secured Loans Loans backed by collateral such as savings or CDs, typically offering lower rates than unsecured options.
• Personal Line of Credit Revolving credit account providing flexible access to funds as needed, with variable rates.
• FLEXRewards Platinum Mastercard Credit card with rewards program offering cash back and travel benefits, including the Summer Memories Rewarded promotion.
• Digital Banking Online and mobile banking platform providing free online banking, free mobile banking, free eStatements, and Mobile Deposit capabilities.
• Debit Cards (Mastercard) Mastercard debit cards providing ATM access and point-of-sale purchases with card controls.
• Trust and Will Services Estate planning assistance through partnership for creating trusts and wills.
• Insurance Services Various insurance products including pet insurance through Prudent Pet (with 10% member discount), identity protection through Deluxe Provent, and other partner-referred coverage options.
• Financial Advising Investment and financial planning services provided through partnerships to help members achieve financial goals.
• GreenPath Financial Wellness Free financial counseling and education partnership providing articles, webinars, and one-on-one counseling for debt management, home buying, and credit building for WestStar members.
• Mortgage Estimator Tool Interactive online calculator providing real-time rate estimates, monthly payment calculations, and fee information for home mortgage loans.

Quantifiable outcome

• Same-day direct deposit posting
• +3 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core and minor.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerPartnership with GreenPath provides free financial education resources for WestStar members including articles, webinars, and financial counseling services. GreenPath offers experience with various financial situations including debt management, home buying, and credit building.
• Prudent PetminorGTM or Marketing PartnerPet insurance partnership offering WestStar members a 10% discount on pet insurance coverage. Members can access free quotes through a dedicated WestStar-specific webpage.
• Get Away Today VacationsminorGTM or Marketing PartnerVacation booking partnership where a portion of every vacation booked by WestStar members is donated to Children's Miracle Network 'Credit Unions for Kids' program benefiting local children's hospitals.
• AAA NevadacoreGTM or Marketing PartnerPartnership providing automatic membership eligibility for AAA Nevada employees and members. WestStar waives the AAA enrollment fee for members joining through this partnership. Cross-promotional relationship.
• Friends of Nevada WildernesscoreGTM or Marketing PartnerEnvironmental nonprofit partnership providing automatic membership eligibility for members and donors of Friends of Nevada Wilderness, a nonprofit dedicated to preserving Nevada public lands as wilderness.
• Enterprise Rent-A-CarminorGTM or Marketing PartnerCar rental partner offering WestStar members 10% off all rentals in Nevada. Enterprise provides complimentary pickup service.
• Alamo Car RentalminorGTM or Marketing PartnerCar rental partner offering WestStar members up to 25% off rentals plus additional coupons. Includes self-serve check-in at kiosks.
• National Car RentalminorGTM or Marketing PartnerCar rental partner offering WestStar members up to 25% off plus additional coupons. Emerald Club members can bypass counter and choose own car.
• TurboTax (Intuit)minorGTM or Marketing PartnerTax software partnership offering WestStar members savings of up to 20% on TurboTax federal products.
• H&R BlockminorGTM or Marketing PartnerTax preparation partnership offering WestStar members savings of up to $25 on in-office tax prep services.
• CO-OP Credit Union NetworkcoreTechnology or IntegrationATM network partnership providing WestStar members access to over 30,000 surcharge-free ATMs nationwide through the CO-OP network.
• Colonial Mortgage ServicescoreTechnology or IntegrationMortgage loan servicing partner (formerly CU Members Mortgage) handling mortgage loan servicing, payments, and document access for WestStar members with mortgages through this servicer.
• Dovenmuehle Mortgage (DMI)coreTechnology or IntegrationMortgage loan servicing partner handling mortgage loan servicing, payments, and document access for WestStar members with mortgages through DMI.

Scale indicators7 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Travis Credit Union: Northern California community credit union with similar mid-sized asset base and member-owned structure. Comparable in scale, product mix, and community-focused positioning.
• One Nevada Credit Union: Las Vegas-headquartered community credit union serving Nevada residents with branches across the state. Comparable in geography, product breadth, and member-owned cooperative model.
• SAFE Credit Union: Sacramento-area community credit union with comparable member count and branch network size. Comparable mid-sized community credit union operations and product breadth.
• MIT Federal Credit Union: Employer-affiliated federal credit union serving MIT employees and affiliated communities. Comparable SEG-based membership acquisition with on-campus/on-site outreach model.
• Clark County Credit Union: Nevada-based community credit union headquartered in Las Vegas serving residents statewide. Comparable in geographic focus, member base size, and core banking offerings.
• Great Basin Federal Credit Union: Nevada-based community credit union serving northern and rural Nevada. Comparable in state-chartered credit union model with multi-branch Nevada footprint.
• Silver State Schools Credit Union: Las Vegas-based credit union serving Nevada school employees with a similar mid-sized, SEG-driven membership model. Directly comparable in scale, geography, and product mix.
• Space Age Federal Credit Union: Colorado-based federal credit union serving aerospace/defense employees through employer partnerships. Comparable niche employer-anchored membership and field outreach model.
• BCU (Baxter Credit Union): Employer-based credit union serving select employee groups and their families nationally. Comparable SEG-driven membership model with employer partnership acquisition strategy.

Regional players

• Desert Financial Credit Union: Arizona-based credit union with deep roots serving gaming and hospitality employees in the Southwest. Comparable niche employer-based acquisition strategy and member-focused value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/WestStarCU
• LinkedInlinkedin.com/company/weststar-credit-union
• Instagraminstagram.com/WestStar_CU
• Xx.com/WeststarCU

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 WestStar Credit Union