Compare the best banks and credit unions in Nevada — up to 0.50% APY, verified fees, minimums, and membership rules from 21+ local institutions.
Nevada residents have access to a mix of state-chartered credit unions, regional community banks, and nationwide online banks. This page ranks the strongest options for savings APY, checking rewards, and CD specials — all verified against the institution's own rate page as of September 2026.
Best banks and credit unions in Nevada 2026
America First Credit Union — CD: 3.95% APY, $500 min, no monthly fee. 12-month 12-17 Months Certificate Account: $500.00 minimum opening balance and $500.00 minimum earning balance; early-withdrawal penalties may apply; rates and terms are accurate as of Friday, September 04, 2026. Read Sep 7, 2026 on americafirst.com. Rates as of 2026-09-04 per the page.
Mountain America Credit Union — CD: 3.90% APY, $500 min, no monthly fee. 12-month standard certificate: $500 minimum balance; the standard certificate table, not the 18-month special; penalties for withdrawing funds before the end of the designated term may apply. Read Sep 7, 2026 on macu.com.
Navy Federal Credit Union — CD: 3.70% APY, $1,000 min, no monthly fee. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
Greater Nevada Credit Union — CD: 3.25% APY, $500 min, no monthly fee. 12 Months Share Certificate: The minimum opening deposit is $500.00; certificate rates remain fixed for the term; a penalty may be imposed for withdrawals before maturity; APY effective January 28, 2026. Read Sep 7, 2026 on gncu.org.
Credit Union 1 — CD: 3.25% APY, $1,000 min, no monthly fee. 12 Months Share Certificate: $1,000 minimum balance to open and earn dividends; standard Share Certificate table, not the 7-month (3.85% APY) or 15-month (3.70% APY) limited-time specials; last dividend declaration date April 29, 2026; 90 days' dividends early withdrawal penalty. Read Sep 7, 2026 on creditunion1.org. Rates as of 2026-04-29 per the page.
United Federal Credit Union — CD: 1.55% APY, $500 min, no monthly fee. 12 Months Share Certificate: Minimum balance for consumer is $500; the standard term, not the highlighted 6 Month or 11 Month specials; the 1.65% "APY with Bonus Rate" requires an Ultra Checking account; a penalty may be charged for early withdrawal; effective date September 01, 2026. Read Sep 7, 2026 on unitedfcu.com. Rates as of 2026-09-01 per the page.
Nevada Bank and Trust Company — Money Market: 1.00% APY, $2,500 min, no monthly fee. Money Market Account: $2,500.00 minimum opening deposit; the up-to-$9,999.99 daily balance tier; interest rates and annual percentage yields are current as of 02/04/2026. Read Sep 7, 2026 on nevadabankandtrust.com. Rates as of 2026-02-04 per the page.
Navy Federal Credit Union — Money Market: 0.80% APY, $2,500 min, no monthly fee. Money Market Savings Account (MMSA): Must maintain a minimum daily balance of $2,500 to earn dividends ($0-$2,499 earns 0.00% APY); $2,500-$9,999 tier. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
Every bank with a branch in Nevada
45 FDIC-insured banks run 386 full-service offices in Nevada. 12 of them are community banks, and 13 operate nowhere else. This is the federal record: every figure below is the regulator's own.
Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.
Every bank we publish a page for in Nevada
32 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.
23 federally insured credit unions run 125 offices in Nevada, between them serving 20,054,714 members. 10 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.
Navy Federal Credit Union — 4 offices in Nevada, 15,350,733 members, $203.6bn in assets, net worth ratio 11.37%.
America First — 18 offices in Nevada, 1,552,965 members, $24.7bn in assets, net worth ratio 11.61%.
Mountain America — 5 offices in Nevada, 1,433,256 members, $22.7bn in assets, net worth ratio 9.41%.
Communityamerica — 2 offices in Nevada, 591,912 members, $8.98bn in assets, net worth ratio 9.65%.
United — 10 offices in Nevada, 190,895 members, $4.40bn in assets, net worth ratio 11.64%.
Credit Union 1 — 1 office in Nevada, 167,836 members, $2.64bn in assets, net worth ratio 10.88%.
Greater Nevada — 16 offices in Nevada, 89,066 members, $1.69bn in assets, net worth ratio 3.33%. Significantly undercapitalised under NCUA thresholds.
Operating Engineers Local Union #3 — 3 offices in Nevada, 121,682 members, $1.65bn in assets, net worth ratio 15.26%.
Clark County — 7 offices in Nevada, 60,753 members, $1.61bn in assets, net worth ratio 11.37%.
Aloha Pacific — 2 offices in Nevada, 70,841 members, $1.53bn in assets, net worth ratio 9.55%.
One Nevada — 15 offices in Nevada, 74,308 members, $1.51bn in assets, net worth ratio 16.27%.
Silver State Schools — 11 offices in Nevada, 68,633 members, $1.32bn in assets, net worth ratio 9.88%.
A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.
What makes a Nevada bank account worth opening
Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Nevada residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.
Is my money safe at a Nevada bank or credit union?
Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances — the FDIC or NCUA ID is listed on the full provider row.
Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.