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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Create Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Create Credit Union's Level Up CD - 60 month rates are at 4.28%, Level Up CD - 48 month rates are at 4.23%, CD of Deposit - 36 month rates are at 4.18%, Level Up CD - 36 month rates are at 4.18%, CD - 24 month rates are at 4.13%. Create Credit Union's savings rates are at 0.15%. Create Credit Union's money market rates are at 3.04%. Create Credit Union's checking rates are as high as 8.30%. Create Credit Union's Auto Loan Rates are as low as 4.24%. Create Credit Union's Credit Card Rates are at 12.40%. Create Credit Union's CD rates are 47% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Create Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates last updated and verified on 10/30/2026. Create Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Create Credit Union? Share your experience about Create Credit Union by leaving a review below, or read customer reviews before you decide to use Create Credit Union. Create Credit Union
TENAYA BRANCH 2625 N TENAYA WAY
https://www.createcu.org/ LAS VEGAS, NV 89128-0427 Privately insuredNot NCUA Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Create Credit Union CD Rates
Create Credit Union Savings Rates
Create Credit Union Money Market Rates
Create Credit Union Checking Rates
Create Credit Union Auto Loan Rates
Create Credit Union Credit Card Rates
Financial Health HistoryCreate Credit Union’s Texas Ratio rose from 1.24% in Q3 2023 to 2.45% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Create Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Create Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Create Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Create Credit Union
Website
https://www.createcu.org/
Address
2625 N TENAYA WAY,
LAS VEGAS, NV 89128-0427
Phone
702-228-2228
Fax
President
Michael Schramm
CEO
Matt Kershaw
Full-Time Employees
218
Part-Time Employees
6
Branch Locations
6
ATM Locations
6
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.45%
Return on Assets (ROA)
0.7101%
Return on Equity (ROE)
6.1033%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
1,641,755,739
Total Amount of Shares and Deposits
1,448,800,903
Total Shares and Deposits < 1 Year
1,416,618,019
Total Shares and Deposits 1 3 Years
24,464,418
Total Shares and Deposits > 3 Years
7,718,466
Total Interest Expense (Sum of items 6 8)
16,470,479
Share Certificates
9,318
Number of Accounts for Share Drafts
41,316
IRA KEOGH Accounts
1,455
Number of Accounts for Regular Shares
67,856
Money Market Shares
12,769
Net Income (unless the amount is already included in Undivided Earnings)
11,657,509
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
242,558,054
Total Liabilities
1,462,277,469
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Create Credit Union
Frequently Asked Questions About Create Credit UnionDoes Create Credit Union offer CDs?Yes. Create Credit Union current CD rates include its Level Up CD - 60 month at 4.28% APY, its Level Up CD - 48 month at 4.23% APY and its CD of Deposit - 36 month at 4.18% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Create Credit Union NCUA insured?No. Create Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Create Credit Union?The highest Create Credit Union CD rate is its Level Up CD - 60 month at 4.28% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Create Credit Union offer?Create Credit Union CD rates are 4.02% APY for a 12 month CD, 4.07% APY for an 18 month CD, 4.13% APY for a 2 year CD, 4.18% APY for a 3 year CD, 4.23% APY for a 4 year CD and 4.28% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Create Credit Union for its full lineup. What is the highest savings rate at Create Credit Union?The highest Create Credit Union savings rate is its IRA Savings - Fixed Rate at 0.15% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Create Credit Union?The highest Create Credit Union money market rate is its Consumer Money Market - Variable Rate at 3.04% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Create Credit Union?The highest Create Credit Union checking rate is its Bonus Checking at 4.07% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Create Credit Union?The lowest Create Credit Union auto loan rate is its Auto Loans at 4.24% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Create Credit Union?The lowest Create Credit Union credit card APR is its Credit Cards at 12.40% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Create Credit Union operate?Create Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Create Credit Union?Yes, to access services at Create Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Create Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Create Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Create Credit Union offer online and mobile banking?Most modern institutions like Create Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.createcu.org/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Create Credit Union rates compare?Create Credit Union's CD rates are 47% higher than the MonitorBankRates national average, and it has an A+ health rating. Create Credit Union's top rates are its Level Up CD - 60 month at 4.28% APY, its IRA Savings - Fixed Rate at 0.15% APY, its Consumer Money Market - Variable Rate at 3.04% APY, its Bonus Checking Plus 1 / Bonus Checking 2 at 8.30% APY, its Auto Loans at 4.24% APR and its Credit Cards at 12.40% APR, verified by MonitorBankRates on October 30, 2026. Current Create Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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