EXCLUSIVE MEMBER PERKS
At Silver State Schools Credit Union (SSSCU), we know your financial journey is unique. That’s why we offer customizable financing and saving solutions to move your dreams forward.
YOUR WALLET DESERVES AN UPGRADE, SSSCU GIVES YOU OPTIONS
Don’t Wait—This Offer is Only Available for a Limited Time!
2% Cash Back Credit Card
Introductory Offer: 0% APR* for 6 months on every Purchase1. Plus, 0% APR* for 6 months on Balance Transfers1 with a low 3% fee per Transfer.
Benefits: 2% Cash Rewards on every dollar spent.
Annual Fee: $0
Enjoy the Flexibility of 0% Interest— Start Earning Cash Rewards Right Now!
Low Rate Credit Card
Introductory Offer: 0% APR* for 6 months on every Purchase1. Plus, 0% APR* for 6 months on Balance Transfers1 with a low 3% fee per Transfer.
Benefits: Low rate after the introductory period.
Annual Fee: $0
Pay 0% For 6 Months and Enjoy a Low Rate Thereafter—Get Started Today!
BANKING DONE BETTER, REWARDS DONE RIGHT
We offer memberships tailored with both checking and savings accounts to fit your needs, whether you’re just starting out, building your future, or securing long-term goals. Now, we’re making it even more rewarding to become a member with a Bonus Cash Offer when you open an account today!
$50 BONUS CASH2
Elevate your Financial Wellness with industry-leading Checking Account benefits like Healthcare and Travel Discounts, robust Identity Protection, comprehensive Rideshare Coverage, and more—crafted to give you the freedom to focus on what truly matters.
$25 BONUS CASH2
Designed to help you grow toward a stronger financial tomorrow—you will enjoy checking account essentials, as well as the exclusive perks and personalized support that come with being a valued member.
$25 BONUS CASH2
For ages 18-25, take control of your finances with no maintenance fees and free Financial Education tools to guide your growth. It’s banking that empowers your goals and prepares you for life’s next chapter.
$25 BONUS CASH2
Equip your young savers and teens with the tools to start building a strong financial foundation with a Checking Account featuring a Visa® Debit Card (ages 10-17), free Financial Education, Scholarship opportunities, and more!
BOOST YOUR CASH FLOW AND REDUCE YOUR STRESS
Whether you choose a Personal Loan for speed and simplicity or leverage your Home’s Equity for even greater flexibility, SSSCU has options and the right solution for you.
- Home Equity Line of Credit (HELOC): Introductory rate starts as low as3 5.99% APR* for the first 12 months4.
- Home Equity Loan (HELOAN): Fixed rate starts as low as5 6.99% APR*.
- Unsecured Personal Loan: Fixed rate starts as low as6 6.99% APR* with terms up to 36 months.
GUARANTEED FIXED-RATE DIVIDENDS
Boost your savings by locking in a competitive rate with a Certificate Account, better known as a Certificate of Deposit. Whether planning for life’s next big milestone or you’re preserving your retirement nest egg, your money works harder—helping you reach your financial goals with confidence.
- Exclusive Member Rates: Competitive rates as high as APR*.
- Steady Growth: Guaranteed fixed rate dividend7 paid monthly.
- Customizable Options: Minimum deposit as low as $500 and terms ranging from 3 to 60 months.
- Effortless Flexibility: Automatically renew to compound your earnings or transfer them to use right away.
- Maximum Security: Insured up to $500,0008.
NOT A MEMBER YET?
1 Introductory Offer: Purchases and Balance Transfers are 0% APR* for 6 months from account opening. 3% Balance Transfer Fee per transfer will apply ($2.00 minimum charge). Promotion of 0% APR* is only available for Balances Transferred from non-SSSCU accounts. Total value of transfers cannot exceed your credit limit.
*APR=Annual Percentage Rate.
Click here to view the Credit Card Solicitation Disclosure (PDF)
Click here to view the Cash Back Rewards Terms and Conditions (PDF)
Click here for Additional Terms & Conditions
Cash back offer excludes Silver State Schools Credit Union Secured Visa and Low Rate Visa Credit Cards. Refer to Silver State Schools Credit Union (SSSCU) Card Solicitation Disclosure for more information. All loans are subject to approval. Rates, terms, and conditions are subject to change. Other terms and conditions may apply, ask for details.
2Bonus Cash will automatically be credited to Checking Account after it has been open for 30 calendar days. Offer available only to new members who do not have an existing checking account. Existing members upgrading to Advantage Checking Accounts qualify only once per membership.
3 Advertised “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 7.75% 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%.
4 The 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. Consult a tax advisor for deductibility of interest.
5 Up to 80% loan-to-value financing. Actual rate depends on credit score, term, and amount of loan.
6Personal 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.
7 Compounded and credited monthly. If you elect to have dividends paid to you by check, or transferred to another account, compounding will not occur. See complete account disclosures.
8 American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per account.
Must be a Silver State Schools Credit Union (SSSCU) member to borrow. Membership at SSSCU requires a savings account with a minimum balance.
