EXCLUSIVE MEMBER PERKS

Promotional period valid from April 8th, 2025 to July 8th, 2025. All Rates can change at any time and without notice.

*APR=Annual Percentage Rate.

¹Promotional rate only available for Nevada residents. Interest rate quoted assumes a purchase with 30 day lock pricing at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR* and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify.

APR* as low as 5.772%. The disclosed APR* is based on the payment of 0.000 origination point. For example, a $400,000 loan with a 5.772% APR* with a 360-month repayment term, the estimated monthly principal and interest payment is $2334.29.

All loans are subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. Down payments as low as 3% available. For the 3% down payment option, at least one borrower must be a First Time Home Buyer, otherwise a minimum 5% down payment is required. A 20% down payment is required to avoid Private Mortgage Insurance (PMI). Silver State Schools Credit Union (NMLS ID#382004) is located at 630 Trade Center Drive, Las Vegas, NV 89119, and can be contacted at 702.733.8820. Our Mortgage Loan Origination Officers are licensed through the National Mortgage Licensing System (NMLS).

²Refinance offer requires a minimum loan amount of $10,000. Silver State Schools Credit Union finances up to 100% of MSRP (new) or the Kelley Blue Book Retail Value (used vehicles). The maximum APR* will not exceed 16.79%. Loan amount may exceed 100% of the Loan-to-Value (LTV) of the vehicle with additional terms and conditions to qualify. Payment example: The payment per $1,000 for a car loan with a term of 60 months at 5.74% APR^* will be $19.22. Other terms, conditions, fees, and collateral requirements may apply. Excludes motorcycles, boats, or other recreational vehicles. Other vehicle loan programs may be available. May not be combined with other offers.

GAP: This product is optional, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including but not limited to loan to value (LTV) maximum, delinquent payments, late Whether or not you purchase the product will not affect your application for credit or the terms of any existing credit agreement you have with us. The deductible is covered as part of the deficiency balance settlement. It is not paid directly to the borrower. Not available in NY or AK.

Extended Warranty: This product is optional. Whether or not you purchase the product will not affect your application for credit or the terms of any existing credit agreement you have with us.

³ 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.

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.

⁴ 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%.

⁵ 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.

⁶ Up to 80% loan-to-value financing. Actual rate depends on credit score, term, and amount of loan.

⁷Personal 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.

⁸ 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.

⁹ 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.