Current Rates
Rates are effective as of: 5/25/2013
Deposit Rates
Savings| Savings | Minimum Balance to Earn Dividends | Rate | APY* |
|---|
| Regular Savings | $100.00 | 0.05% | 0.05% | | Junior Savings | $25.00 | 0.05% | 0.05% | | MYAccount Savings | $50.00 | 0.05% | 0.05% | | Secondary Savings | $0.00 | 0.05% | 0.05% |
Checking| Checking | Minimum Balance to Earn Dividends | Rate | APY* |
|---|
| Regular Checking | $0.00 - $999.99 | 0.00% | 0.00% | | $1,000.00 - $4,999.99 | 0.05% | 0.05% | | $5,000.00+ | 0.05% | 0.05% |
Member Advantage| Member Advantage | Minimum Balance to Earn Dividends | Rate | APY* |
|---|
| Adult Accounts (Regular Savings & designated Checking) | $500.00 | 2.96% | 3.00% | | * Designated savings and checking accounts will earn higher rates if you qualify for the Member Advantage Program during any calendar month. Earn 3.00% on the first $500 in your primary savings account and on the first $500 in your regular checking account. To qualify for the Member Advantage Program, Adult members must meet the following requirements monthly: 1) maintain a minimum daily balance of $500.00 in Regular Savings; 2) maintain a minimum daily balance of $500.00 in Regular Checking; 3) receive eStatements; and 4) receive a direct deposit of $500.00 minimum or conduct two (2) bill-pay transactions. | | Junior Accounts (Junior Savings) | $500.00 | 2.96% | 3.00% | | * Designated savings will earn higher rates if you qualify for the Member Advantage Program during any calendar month. To qualify for the Member Advantage Program, Junior members must meet the following requirements monthly: 1) maintain a minimum daily balance of $500.00 in Junior Savings; and 2) receive eStatements. |
Money Market Accounts| Money Market Accounts | Minimum Deposit to Open | Minimum Balance to Earn Dividends | Rate | APY* |
|---|
| Insured Money Market | $2,500.00 | $0.00 - $2,499.00 | 0.05% | 0.05% | | | $2,500.00 - $24,999.00 | 0.05% | 0.05% | | | $25,000.00+ | 0.15% | 0.15% | | Insured Money Market Plus | $100,000.00 | $0.00 - $99,999.00 | 0.05% | 0.05% | | | $100,000.00+ | 0.25% | 0.25% |
Regular Certificates| ($500.00 Minimum Deposit to Open) |
|---|
| Term | Rate | APY* |
|---|
| 3-5 months | 0.15% | 0.15% | | 6-11 months | 0.25% | 0.25% | | 12-23 months | 0.30% | 0.30% | | 24-35 months | 0.45% | 0.45% | | 36-47 months | 0.55% | 0.55% | | 48-59 months | 0.85% | 0.85% | | 60 months | 1.00% | 1.00% |
Jumbo Certificates| ($100,000.00 Minimum Deposit to Open) |
|---|
| Term | Rate | APY* |
|---|
| 6-11 months | 0.30% | 0.30% | | 12-23 months | 0.35% | 0.35% | | 24-35 months | 0.45% | 0.45% | | 36 months | 0.55% | 0.55% |
Traditional, Roth, & Education IRA Savings| Minimum Balance to Earn Dividends | Rate | APY* |
|---|
| $0.00 - $2,499.00 | 0.25% | 0.25% | | $2,500.00 - $24,999.00 | 0.25% | 0.25% | | $25,000.00+ | 0.25% | 0.25% |
Traditional, Roth, & Education IRA Certificates| ($500.00 Minimum Deposit to Open) |
|---|
| Term | Rate | APY* |
|---|
| 12-23 months | 0.30% | 0.30% | | 24-35 months | 0.45% | 0.45% | | 36-47 months | 0.55% | 0.55% | | 48-59 months | 0.85% | 0.85% | | 60 months | 1.00% | 1.00% |
Jumbo IRA Certificates| ($100,000.00 Minimum Deposit to Open) |
|---|
| Term | Rate | APY* |
|---|
| 12 months | 0.35% | 0.35% | | 24 months | 0.45% | 0.45% |
Loan Rates
Auto, Truck & Motorcycle Loans| Type | Terms | APR* Range |
|---|
| New | up to 84 months | 2.29% - 12.99% | | Used | up to 72 months | 2.49% - 14.99% | | Note: Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Boat Loans| Type | Terms | APR* Range |
|---|
| New | up to 144 months | 6.29% - 15.49% | | Used | up to 120 months | 6.49% - 17.49% | | Note: Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Recreational Vehicle Loans| Type | Terms | APR* Range |
|---|
| New | up to 144 months | 6.29% - 15.49% | | Used | up to 120 months | 6.49% - 17.49% | | Note: Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Power Sport Loans| Type | Terms | APR* Range |
|---|
| New | up to 120 months | 6.29% - 14.49% | | Used | up to 84 months | 6.49% - 16.49% | | Note: Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Utility Trailer Loans| Type | Terms | APR* Range |
|---|
| New | up to 120 months | 6.29% - 14.49% | | Used | up to 84 months | 6.49% - 16.49% | | Note: Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Certificate & Savings Secured Loans| Loan Amount | Terms | APR* |
|---|
| Balance of Savings/Certificate | Up to 144 months | 3.00% over Savings/Certificate Rate | | Note: All loans subject to credit approval, verification, and collateral evaluation. |
Personal Loans| Loan Amount | Terms | APR* Range |
|---|
| Up to $20,000 | Up to 72 months | 7.49% - 14.99% | | Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details. |
Personal Lines of Credit| Loan Amount | Terms | APR* Range |
|---|
| Up to $7,500 | N/A | 9.99% - 17.99% | | Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details. |
Auto Title Loans| Loan Amount | Terms | APR* Range |
|---|
| Up to $20,000 | Up to 60 months | 5.49% - 20.99% | | Note: Vehicle is used as collateral. All loans subject to credit approval. Other terms and conditions may apply, ask for details |
Advanced Curriculum Loan| Loan Amount | Terms | APR* Range |
|---|
| Up to $5,000 | Up to 48 months | 5.49% - 12.99% | | Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details. |
Classroom Supply Loan| Loan Amount | Terms | APR* |
|---|
| $1,000 | 12 months | 1.99% | | Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details. |
Retirement Credits Personal Loan| Loan Amount | Terms | APR* Range |
|---|
| Up to $25,000 | Up to 72 months | 5.49% - 12.99% | | Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details. |
Retirement Credits Home Equity Loan| Loan Amount | Terms | APR* Range |
|---|
| $3,500 to $250,000 | 60 to 120 months | 3.49% - 11.99% | | $3,500 to $250,000 | 144 to 240 months | 4.49% - 15.49% | | Note: Up to 80% loan-to-value financing. All loans subject to credit approval, verification, and collateral evaluation.Other terms and conditions may apply, ask for details. |
New Teacher Loan| Loan Amount | Terms | APR* |
|---|
| Up to $2,000 | 12 months | 12.00% | | Note: Two $1,000 non-qualifying personal loans are available to newly-contracted teachers entering their first contract year with the Clark County School District. A new teacher has an opportunity to take advantage of one, or both, of these loans within 30 days of their new hire orientation date. Other terms and conditions may apply, ask for details. |
Home Equity Loans| Loan Amount | Terms | APR* Range |
|---|
| $3,500 to $250,000 | 60 to 120 months | 5.49% - 13.99% | | $3,500 to $250,000 | 144 to 240 months | 6.49% - 15.49% | | Note: Up to 80% loan-to-value financing. Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Home Equity Lines of Credit| Loan Amount | Terms | APR* Range |
|---|
| $10,000 to $250,000 | 10 year draw | 4.00% - 18.00% | | Note: 10 year draw and then 10 year amortization. Rate is based on Prime plus a margin with a 4% floor and 18% cap. Actual rate depends on relationship with SSSCU, credit score, term, amount of loan, and auto pay discount. All loans subject to credit approval, verification, and collateral evaluation. |
Mortgage Loans
*APY=Annual Percentage Yield, APR=Annual Percentage Rate
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