Clark County logo

Clark County in Las Vegas, NV

4.0/5

Create Credit Union (formerly Clark County Credit Union) is a Nevada-based, member-owned credit union offering auto loans, mortgages, checking/savings accounts, and business banking services.

Data compiled from public sources · Rating from CreditDoc methodology

Clark County Review

Create Credit Union is a member-owned, not-for-profit credit union serving Nevada residents and businesses. The organization recently rebranded from Clark County Credit Union to Create Credit Union, reflecting an evolution in its mission and service offerings. The institution is NCUA-insured, providing members with deposit protection up to $250,000.

Create offers a comprehensive suite of financial products including auto loans (with refinancing and Members Auto programs), mortgage loans (VA/FHA, home equity lines of credit, land and construction financing), personal loans, and a variety of checking and savings accounts. The credit union provides credit cards with rewards programs, business banking with commercial lending, investment services, and insurance products through partnerships with Acrisure and TruStage. Digital banking features include online bill pay, eStatements, and Zelle integration. Members can access 24/7 fraud reporting and cybersecurity resources.

Create distinguishes itself through member-centric service, offering loan prevention programs (mortgage foreclosure prevention, vehicle repossession prevention), payment protection options (GAP insurance, mechanical protection), and educational resources including financial basics, calculators, and The Perfect Bite Podcast. The credit union actively emphasizes community involvement and membership advantages. Routing/ABA number 322484113 is provided for direct deposit and transfers.

As a credit union, Create operates on a not-for-profit model where profits are returned to members through better rates and lower fees. However, membership eligibility requirements may apply (listed as "Who Can Join?" but specifics are not detailed on the homepage). The organization is mid-transition from its legacy brand, which may create temporary confusion in materials and communications.

Services & Features

Auto loans and auto loan refinancing with collateral protection insurance (CPI) and guaranteed asset protection (GAP)
Business deposit accounts and commercial loans with dedicated commercial lending team
Checking accounts (Bonus Checking Plus, Bonus Checking, Essential Checking, Spark Checking, CheckAgain) with overdraft options
Digital banking including online bill pay, eStatements, Zelle integration, and cybersecurity resources
Insurance products including TruStage Insurance, Acrisure auto insurance, and Acrisure home insurance
Investment services through Investment Center and debit card services
Mortgage loans, home equity lines of credit, VA/FHA loans, and land & construction financing
Personal loans, credit cards with rewards programs, and payment protection insurance
Savings accounts, money market accounts, certificates of deposit, and individual retirement accounts (IRAs)
Vehicle repossession prevention and mortgage foreclosure prevention programs

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Member-owned, not-for-profit structure typically offers better interest rates on loans and savings than for-profit banks
  • Comprehensive auto lending with specialized programs like Members Auto, GAP insurance, and vehicle repossession prevention services
  • Diverse mortgage offerings including VA/FHA loans, home equity lines of credit, and foreclosure prevention programs
  • Multiple checking account options with different features (Bonus Checking Plus, Essential Checking, Spark Checking, CheckAgain)
  • Business banking services including commercial loans and dedicated commercial lending team
  • Free digital tools including calculators, financial education (Banzai Financial Education), and fraud protection resources
  • NCUA deposit insurance protection and established routing number (322484113) for reliable banking operations

Cons

  • Membership eligibility requirements exist but are not clearly detailed on the website, potentially limiting access for some consumers
  • Ongoing rebranding from Clark County Credit Union to Create may cause confusion with outdated materials and communications still in circulation
  • Limited information about specific membership fees, APRs, and product requirements available on the homepage—detailed rates require navigation or contact
  • No indication of whether the credit union offers emergency small loans or payday alternative loans (PALs) commonly available at credit unions
  • Physical branch presence appears limited to Clark County area, making in-person services inaccessible for those outside Nevada

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
4.2
Ease of Use
4.0

Frequently Asked Questions

Is Clark County legitimate?

Yes. Clark County is a registered company, headquartered in Las Vegas, NV, founded in 1951.

How long does Clark County take to show results?

Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.

Quick Facts

Founded
1951
Headquarters
Las Vegas, NV
BBB Accredited
No
Certifications
NCUA Insured Charter #86752
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Clark County

CreditDoc Diagnosis

Doctor's Verdict on Clark County

Create Credit Union is ideal for Nevada residents and businesses seeking competitive rates and member-focused services, particularly those interested in auto loans, mortgages, or business banking. The primary caveat is that membership eligibility requirements apply—specific requirements should be confirmed by contacting the credit union directly at 702-228-2228, and the ongoing rebranding transition may result in inconsistent information across materials.

CFPB Transparency Report

Public data from the Consumer Financial Protection Bureau

Issues Resolved
98.3%
Timely Responses
99.8%

Source: consumerfinance.gov | Last checked 2026-05-01

Best For

  • Nevada residents and businesses seeking competitive auto and mortgage loans with member-owned rates and repossession prevention support
  • Homeowners looking for VA/FHA mortgages, home equity lines of credit, or foreclosure prevention assistance
  • Small business owners needing commercial banking, business loans, and dedicated lending support
  • Consumers prioritizing financial education, fraud protection, and community involvement alongside traditional banking services
Updated 2026-05-14

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