Silver State Schools Credit Union
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Current Rates

Rates are effective as of: 11/23/2014

We may change the information in this deposit rate sheet at any time without notice. As examples, we may add, delete or change APYs, tiers and Certificate terms. Please review the rate and fee schedule - deposit accounts for additional provisions and conditions that apply to these accounts.

Deposit Rates

Savings

SavingsMinimum Balance to Earn DividendsRateAPY*
Regular Savings$100.000.05%0.05%
Junior Savings$25.000.05%0.05%
MYAccount Savings$50.000.05%0.05%
Secondary Savings$0.000.05%0.05%

Checking

CheckingMinimum Balance to Earn DividendsRateAPY*
Regular CheckingN/A0.00%0.00%

Member Advantage

Member AdvantageMinimum Balance to Earn DividendsRateAPY*
Adult Accounts (Regular Savings & designated Checking)$500.002.96%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)$500.002.96%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 AccountsMinimum Deposit to OpenMinimum Balance to Earn DividendsRateAPY*
Insured Money Market$2,500.00$0.00 - $2,499.000.05%0.05%
$2,500.00 - $24,999.000.05%0.05%
$25,000.00+0.15%0.15%
Insured Money Market Plus$100,000.00$0.00 - $99,999.000.05%0.05%
$100,000.00+0.25%0.25%

Regular Certificates

($500.00 Minimum Deposit to Open)
TermRateAPY*
3-5 months0.15%0.15%
6-11 months0.25%0.25%
12-23 months0.30%0.30%
24-35 months0.45%0.45%
36-47 months0.55%0.55%
48-59 months0.85%0.85%
60 months1.00%1.00%

Jumbo Certificates

($100,000.00 Minimum Deposit to Open)
TermRateAPY*
6-11 months0.30%0.30%
12-23 months0.35%0.35%
24-35 months0.45%0.45%
36 months0.55%0.55%

Traditional, Roth, & Education IRA Savings

Minimum Balance to Earn DividendsRateAPY*
$0.00 - $2,499.000.25%0.25%
$2,500.00 - $24,999.000.25%0.25%
$25,000.00+0.25%0.25%

Traditional, Roth, & Education IRA Certificates

($500.00 Minimum Deposit to Open)
TermRateAPY*
12-23 months0.30%0.30%
24-35 months0.45%0.45%
36-47 months0.55%0.55%
48-59 months0.85%0.85%
60 months1.00%1.00%

Jumbo IRA Certificates

($100,000.00 Minimum Deposit to Open)
TermRateAPY*
12 months0.35%0.35%
24 months0.45%0.45%

Loan Rates

Auto, Truck & Motorcycle Loans

TypeTermsAPR* Range
Newup to 84 months2.29% - 12.99%
Usedup to 72 months2.49% - 14.99%
Note: Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Boat Loans

TypeTermsAPR* Range
Newup to 144 months6.29% - 15.49%
Usedup to 120 months6.49% - 17.49%
Note: Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Recreational Vehicle Loans

TypeTermsAPR* Range
Newup to 144 months6.29% - 15.49%
Usedup to 120 months6.49% - 17.49%
Note: Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Power Sport Loans

TypeTermsAPR* Range
Newup to 120 months6.29% - 14.49%
Usedup to 84 months6.49% - 16.49%
Note: Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Utility Trailer Loans

TypeTermsAPR* Range
Newup to 120 months6.29% - 14.49%
Usedup to 84 months6.49% - 16.49%
Note: Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Certificate & Savings Secured Loans

Loan AmountTermsAPR*
Balance of Savings/CertificateUp to 144 months3.00% over Savings/Certificate Rate
Note: All loans subject to credit approval, verification, and collateral evaluation.

Personal Loans

Loan AmountTermsAPR* Range
Up to $20,000Up to 72 months7.49% - 15.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.

Personal Lines of Credit

Loan AmountTermsAPR* Range
Up to $7,500N/A9.99% - 17.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.

Auto Title Loans

Loan AmountTermsAPR* Range
Up to $20,000Up to 60 months5.49% - 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 AmountTermsAPR* Range
Up to $5,000Up to 48 months5.49% - 12.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.

Classroom Supply Loan

Loan AmountTermsAPR*
$1,00012 months1.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.

Retirement Credits Personal Loan

Loan AmountTermsAPR* Range
Up to $25,000Up to 72 months5.49% - 12.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.

Retirement Credits Home Equity Loan

Loan AmountTermsAPR* Range
$3,500 to $250,00060 to 120 months3.49% - 11.99%
$3,500 to $250,000144 to 240 months4.49% - 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 AmountTermsAPR*
Up to $2,00012 months12.00%
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 AmountTermsAPR* Range
$3,500 to $250,00060 to 120 months5.49% - 13.99%
$3,500 to $250,000144 to 240 months6.49% - 15.49%
Note: Up to 80% loan-to-value financing. Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Home Equity Lines of Credit

Loan AmountTermsAPR* Range
$10,000 to $250,00010 year draw4.00% - 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, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Mortgage Loans

TermsRateAPRPOINTS
30 Year Fixed Rate4.000%4.192%1.000%
TermsRateAPRPOINTS
20 Year Fixed Rate3.750%4.014%1.000%
TermsRateAPRPOINTS
15 Year Fixed Rate2.875%3.207%1.000%
TermsRateAPRPOINTS
VA 30 Year Fixed Rate4.000%4.303%0.000%
Note: Rates are not guaranteed. Rates may vary with type of loan. Call 702.697.8033 for a firm quote. Variable rates are adjustable monthly based on change to the Prime Rate.

*APY=Annual Percentage Yield, APR=Annual Percentage Rate

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New Teacher Loans 2
Personal and Vehicle Loans 2
American Share Insurance
Equal Housing Lender