One Nevada Credit Union

This is the credit card needed in unexpected situations. Annual fees and high percentage rates aren't the best features, however most people are approved and if payments are made on time it will help build better credit.

BEWARE THEY WILL RUIN YOUR CREDIT!!!! I have been a member for almost 10 years. I applied for a car loan to buy out the car I have had on lease, and was denied. I have perfect credit history except for 2 late payments when covid began and I was sick. I contact BMW to push the lease payments out since I was sick which they did, but they still reports them as late at the beginning of 2020. So two late payments in 2020 and 100% on time or early with all other credit cards and they deny me. I had a letter added to credit file explaining issue 6 months ago. I asked why I was denied and they claimed multiple late payments. I asked if it was the 2 to BMW and they refuse to answer. Told me I would get a letter which I never did! I was a member of another credit union before joining One Nevada as recommended and could get a loan at anytime with great rates! I talked to the person who suggest I move and they have since left also due to rude service, and problems with them messing up their credit. This bank needs to be shut down or sued for all the shady stuff they do! FYI, BMW and CapitalOne both offered to finance the car with Zero down and a good rate. Figured I would try the credit union, big waste of time and ended up with multiple hits on my credit from them that wont go away for years.... AVOID THIS BANK!!!!

I DO NOT recommend !! I wish I could give a 0 score. The phrase, "One hand doesn't know what the other is doing" applies. I paid off my car loan with them 8 years ago and received my title signed off by one of their representatives as paid off and title lien released and I zero'ed out and closed all of my accounts with them. However, a few months ago I received a letter from them recommending I change my user name. When I called today to check on it fearing identity theft, they said they have an outstanding balance in their Collections Department for that car loan. WTH ! It is now supposedly in a manager's hands. I'll try to add an update once it is resolved.

I unfortunately bank with these folks. 1st their system doesnt allow you to transfer funds from one bank to another- So you will need to set up Google Pay, however any APP transaction can get flagged and when you cancel the transaction it takes them more then a few days to clear the pending transaction from your account. Most normal banks have up to date systems that will release funds back into the account however One nevada does not. Their customer service will not help and will ask for a letter head from the APP institution to release the funds back. Google Pay will NOT do this after speaking to one of their reps and it is due to the fact they send multiple cancel confirmations that should be considered sufficient. Dont waste your time with this Dinosaur of a bank

The initial purchase transaction went OK. We got a very low 3.125% fixed rate in August 2017 and I don't have much complaints about that. We did not quite get to 20% down, so we pay about $33 PMI for the first 21 months of the mortgage. The PMI will fall off automatically without a refi once we get to a certain level of equity based on the purchase price.

TL;DR: Our loan officer called me up a year after the purchase and tried to scam me with a refi loan that would cost more now, probably more for the next year, and definitely more after the next year. She didn't listen to me at any point in the conversation, or she did listen to me but she just has a low opinion of my intelligence.

A year later, the One Nevada CU loan officer who helped with the purchase called to let me know that the home value had risen and that a refi could remove the PMI. I explained that we only pay $33 in monthly PMI and we have less than a year to go. The cost of the refi transaction couldn't possibly be less than the $330 in total future PMI. That's not even enough for an appraisal, much less a credit check and bank loan fee. The loan officer wouldn't give up though. She pointed out that the $33 in PMI could go to the principal instead. I tried to explain that even if the refi were 100% free, the short term PMI savings would be wiped out by paying higher interest since rates have risen. And after July 2019, we would be stuck with the higher rate for the life of the loan, much more expensive than a year with PMI. I don't think I got through to her why this was such a bad deal, or maybe she didn't care.

It just goes to show that a credit union won't hesitate to rip off less gullible consumers just as many of the larger banks have been doing. It's more than a little disappointing.

I dealt with Kenneth Hughes and have never in my life been so shocked at what transpired with him and this company. I will try to make it brief. My wife and I applied for a mortgage and one nevada had the best rate around 4.62 prequalified. fast forward a few weeks before closing and ken sent me paperwork with 5% interest rate. I asked him over the phone and he told me this just locked in the rates and once we got deletion letters from an apartment 7 years we would be good. I got deletion letters from all 3 credit bureaus and gave them to ken. He said we were good and the rate would be 4.75. and begin the s-storm. I asked if we could sign something saying that and he said we would closer to closing. fast forward a few days before closing I cant get a hold of ken and he wont answer my questions about why when he pulled my wifes credit again the apartment was still on there after I gave him the deletion letters and I called all 3 credit bureaus and they said its not on their records either. ken still assures me it will be ok and he guarantees me at least 4.87 before closing. So guess what we signed today and ken lied but he was smart and only did it over the phone. no paper trail. final rate 5.08% apr. Please never use him or you will regret it. at first he is very easy going and you wont think twice about it till the last day and its too late.

Everything about this bank that you think is wonderful in the beginning ends up being a pain and not worth it. They have horrible interest rates, customer service is terrible, never available when you have an emergency. Hours of operation are awful, not available on weekends or early in the morning. People that work their don't know whats going on with their website or policies. They want you to jump through a hoop to close the account. They must think they can make people keep an account open if they make the process of closing an account absolutely ridiculous.

I have been a member of One Nevada Credit Union since 2010. I have been pleased with no fee e-checking, basic savings, and the cash back perks, as little as they are. However, in 2013 I applied for a car loan through One Nevada so that I could upgrade my coupe to a sedan as my family was growing. I was contacted and informed that I would be approved at 11% interest rate. My credit score was over 700 at that time. None the less, I was approved about 30 minutes later by the dealership financing for 3%. One Nevada seems to be on the lesser end of credit unions in Nevada. Good for the basics, but bad for the rest.

I was initially very wary about using a credit union for our car loan, but as it turned out it was the best decision we could have made. We were able to get the terms of the loan explained to us clearly and upfront. We had looked around for more favorable terms, but we kept coming back to Nevada Credit Union and their offer. We have not had one single issue in the entire time we have been customers and are considering moving some of our investments here as well. I would advise anyone looking for great service to stop and chat with a branch representative. You won't regret it!

Nevada Federal Credit Union is a really nice place to do business. They told me that If I bank with them they will in time trust me and approve loans for a car or a home. I remember going in to the bank at Tropicana and Sandhill. An older woman, just a doll was so sweet to me she explained everything perfectly clear to me and I understood everything that she told me. I must say that I had a great experience there. One of the greatest benefits to this bank is that they have there ATM machines inside of the actual bank unlike Washington Mutual there ATM's are directly inside of the bank and so it makes me feel safe when withdrawing large amounts of cash right on the spot. This bank is the only bank that I have ever seen empathy towards one's financial irresponsibility's, let me tell you what happened I went in owing money I was negative on my bank account and the customer service representative called the manager and he pardoned me of 27 dollars I paid 17 and he said he would do this for me one time so that I could bring my account out of the negative this was very nice of them and I have never seen it done before with any other bank. I am glad they were there to work with people they will work with you to go in and see for yourself.