Frequently Asked Questions (FAQs) About the Greater Nevada Merger with America First Credit Union

This merger brings together Greater Nevada’s local focus with America First’s scale, strength, and resources. Our goal is to continue serving members and communities while expanding access, convenience, and long-term value.

No. There is nothing you need to do at this time. Please continue using your Greater Nevada accounts as you do today, including visiting or calling the same branches, using Digital Banking, and using your debit cards as you normally do. If you need to take action in the future, we will provide clear instructions and advance notice.

Your Greater Nevada accounts, account numbers, services, and access will remain the same for now and will continue to be separate from America First until the conversion date. Please continue using your accounts as you do today. We will provide clear guidance before any future changes take place.

The merger became official after all required approvals were received and the process was completed. Throughout the process, both organizations worked closely with regulators and completed all required steps before the merger was finalized at the beginning of October. By bringing together the strengths of Greater Nevada and America First, we can provide Nevada members with greater access, additional resources, and more benefits over time.

No service interruption is expected on October 1, 2026. Please continue accessing and using your Greater Nevada accounts as you do today. We will communicate in advance if future changes are expected to affect service availability.

Yes. Your deposits will continue to be federally insured by the National Credit Union Administration (NCUA) up to applicable insurance limits.

If you had deposits at both Greater Nevada and America First before the merger, those deposits generally remain separately insured for six months following October 1, 2026. Certain Share Certificates may remain separately insured beyond the six-month period:

• If a Share Certificate matures after the six-month period, it generally remains separately insured until its first maturity date after that period.

• If a Share Certificate matures during the six-month period and is renewed for the same term and dollar amount, separate coverage generally continues until its first maturity date after the six-month period.

• If a Share Certificate is renewed on different terms or is not renewed, separate coverage generally ends when the six-month period expires.

No. There are no plans to close any Greater Nevada branches at this time. The same local branches and team members will continue serving you.

Yes. The Greater Nevada team members you know and trust will continue to be available to help you at your local branches.

Yes. Greater Nevada will continue serving members under the Greater Nevada name as a division of America First Credit Union. Our local service and community presence will continue to be an important part of how we serve you.

Not yet. Account access will remain separate until the conversion date. In the meantime, please continue using your current branches, digital banking, debit cards, and other services as you do today. We will continue to monitor member needs and share updates as they become available.

Not at this time. Please continue using your existing Greater Nevada debit and credit cards as you do today. As we get closer to the conversion, we will share more information so you know what to expect.

No. There are currently no changes to your automatic payments or direct deposits. They will continue to process normally. We will provide clear information before any future changes take place.

Yes. As of October 1, 2026, certain fees will be adjusted as Greater Nevada and America First align their fee structures. Please review the updated Fee Schedules for details.

Yes. As of October 1, 2026, certain deposit rates will change. New Share Certificates opened on or after October 1, 2026, will receive the posted rate in effect at that time. Existing Share Certificates will retain their current rates until maturity. Certificates renewing on or after October 1, 2026, will renew at the rate in effect at that time. Please review the current Deposit Rates for details.

Yes. As of October 1, 2026, loan rates will be aligned between Greater Nevada and America First. Existing loans will retain their current rates and terms. Changes apply only to new loan applications received on or after that date. Please review the current Loan Rates for details.

Greater Nevada will continue serving members locally under the Greater Nevada name while being part of America First Credit Union. This partnership allows us to offer expanded products and services, provide additional resources, and better serve our members and communities.

No. Your membership will continue without interruption, and you do not need to reapply for membership.

As a member of Greater Nevada Credit Union, you will continue to have access to your accounts and services. This partnership allows us to build on the strengths of both organizations while expanding products, services, resources, and convenience for our members.

Yes. Individuals who do not reside in Nevada may still qualify for membership through eligible geographic areas, Consumer Councils, or the Financial Fitness Association. Please visit the Membership page for eligibility information.

Bringing Greater Nevada and America First together creates opportunities for expanded products and services, enhanced digital capabilities, greater convenience, and additional resources to help support your financial goals. We look forward to sharing more details as these benefits become available.

We are here to help. For the latest merger information, visit GNCU.org/AFCU. For questions about your Greater Nevada accounts, use the website contact form, visit a local branch, or call the Greater Nevada Call Center at (800) 421-6674.

For questions about your America First accounts, visit an America First branch or call (800) 999-3961.