DEBT CONSOLIDATION
BOOST YOUR CASH FLOW AND REDUCE YOUR STRESS
You’ve worked hard to build financial security—now it’s time to maximize your cash flow by consolidating high-interest debt. Whether you choose a Personal Loan for speed and simplicity or leverage your Home’s Equity for even greater flexibility, Silver State Schools Credit Union (SSSCU) has options and the right solution for you.
TWO SMART SOLUTIONS. ONE CLEAR PATH TO SAVINGS!
PERSONAL LOAN
A Personal Loan can help you manage today’s expenses while keeping tomorrow’s long-term goals on track. No collateral needed, just fast, straightforward financial relief.
- Unsecured Personal Loan: Rates start as low as1 6.99% APR* with terms up to 36 months.
Zero Stress, No Hassle—Just A Smarter Way to Handle Your Debt. Get Started Now!
HOME EQUITY LOAN OR HOME EQUITY LINE OF CREDIT
Let your Home’s Equity and our exclusive member rates lighten the financial load—giving you more room to breathe.
- Home Equity Line of Credit (HELOC): Introductory rate starts as low as2 5.99% APR* for the first 12 months3.
- Home Equity Loan (HELOAN): Fixed rate starts as low as4 6.99% APR*.
Act Now to Lock in Your Low Rate!
YOUR MONEY, YOUR CHOICE—SSSCU CAN HELP YOU FIND THE BEST FIT FOR YOUR NEEDS
DEBT CONSOLIDATION
TAX LIABILITIES
HOME IMPROVEMENT PROJECTS
SIGNIFICANT PURCHASE
EDUCATION EXPENSES/ TUITION
DREAM VACATION
MEDICAL EXPENSES
EMERGENCY FUND
WEDDING
AND SO MUCH MORE!
CHOOSE THE LOAN THAT FITS YOUR GOALS
| HELOC | Home Equity Loan | Personal Loan | |
|---|---|---|---|
| BEST FOR | Ongoing expenses or long-term projects | Large, one-time expenses | Smaller, short-term expenses |
| TERM | Revolving credit, usually with a draw period and repayment period | Fixed term | Fixed term |
| PAYMENT CONSISTENCY | Variable payments, can change with interest rate | Predictable monthly payments | Predictable monthly payments |
| INTEREST RATE | Variable | Fixed | Fixed |
| FLEXIBILITY | More flexible, draw funds as needed (up to the credit limit) | Less flexible, lump sum | More flexible, no collateral required |
| TAX DEDUCTIBLE INTEREST | Yes, if used for home improvements (consult tax advisor) | Yes, if used for home improvements (consult tax advisor) | No |
| Apply Now | Apply Now | Apply Now |
EXPLORE OUR ACCOUNT OPTIONS
Advantage Checking
Earn dividends on your checking balance and get access to identity theft protection and credit monitoring, plus discounts, rewards, and more.
MyAccount Checking
Our checking account for students and young adults age 25 and under, with Online and Mobile Banking and a contactless Visa® Debit Card.
SMART Checking
Features a simple and secure Visa® Debit Card for children and teens ages 10 to 17.
*Annual Percentage Rate (APR). All loans are subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details.
1Personal Loan: Advertised APR* is available on a 36-month Personal Loan for loan amounts up to $50,000. For example, a 36-month Personal Loan at 6.99% APR* has an estimated monthly payment of $30.88 for every $1000.00 borrowed. For loan requests outside a 36-month term, the Annual Percentage Rate is as low as 10.49%. Rates, terms, and conditions are subject to change without notice and may end at any time. All loans are subject to credit approval and underwriting standards. Other terms and conditions may apply. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum balance.
2Advertised “as low as” APR* assumes excellent credit history and 80% Loan-to-Value. Special Rates for up to 90% Loan to Value are also available. The Annual Percentage Rate may vary. All loans are subject to credit approval, verification, and collateral evaluation. Loan requests above $100,000 require an appraisal. The appraisal fee can range between $600 – $750. Rates, terms, and conditions are subject to change without notice and can end at any time. Not valid for refinancing of existing SSSCU 1st and 2nd mortgages. Property Insurance Required. Other restrictions, qualifications, and fees may apply. As of January 1st, the Annual Percentage Rate of 5.99% assumes the use of the “as low as rate” for a loan with 80% Loan-to-Value. The rate may vary quarterly and will be equal to the Prime Rate as published at www.bankrate.com as the WSJ Prime Rate (“Index”), plus the margin. Increases in the Interest Rate will result in like increases in the Finance Charge and will affect the amount of your scheduled payments during the draw period and the repayment period. The maximum APR* will not exceed 18.00%.
3The Introductory Rate will expire twelve (12) months from the open date. Minimum advance or balance transfer of $10,000 required on the day of opening. The minimum amount of subsequent advance is $500.00. Following the expiration of the Introductory APR*, your plan will be subject to a Variable Rate. Subsequent advances/balance transfers not subject to the Introductory Rate will be subject to a Variable Rate and the Annual Percentage Rate can change as a result, as outlined per the terms of the Home Equity Line of Credit Agreement (corresponding to the periodic rate). The interest rate varies depending on your credit qualifications and the Loan-to-Value of your home.
4Up to 80% loan-to-value financing. Actual rate depends on credit score, term, and amount of loan.
Must be a Silver State Schools Credit Union (SSSCU) member to borrow. Membership at SSSCU requires a savings account with a minimum balance. Mortgage loan origination officers are all licensed through the national Mortgage Licensing System (NMLS). Silver State Schools Credit Union (NMLS #382004) originates mortgage at 630 Trade Center Drive, Las Vegas, NV 89119 and can be contacted at 702.733.8820.
Consult a tax advisor for deductibility of interest.
