Silver State Schools Credit Union
Our Westcliff Branch, located at 170 South Rainbow Blvd. is now open. Hours: Mon-Fri 9-5pm & Sat 9-3pm.Our Westcliff Branch, located at 170 South Rainbow Blvd. is now open. Hours: Mon-Fri 9-5pm & Sat 9-3pm.
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Home Equity Loans

Home Equity Loans

Silver State Schools Credit Union home equity loans and lines of credit are a great way to access the equity in your home.

Home Equity Loan

Perfect for that 'big-ticket' item that requires a one-time lump sum payment such as remodeling a kitchen or bath, or consolidating your debts into one easy payment.

  • Fixed terms up to 20 years
  • Fixed rates
  • Up to 80% loan-to-value financing
  • Borrow $3,500 to $250,000 of your available equity
  • Up to 100% tax deductible interest (consult your tax advisor for details)
  • No pre-payment penalties

Home Equity Line of Credit

Borrow the funds as you need them for home repairs, to pay for your child's education expenses, or to take a vacation. The line of credit replenishes as you repay the funds and the money becomes available to borrow again.

  • Draw funds for the first 10 years
  • Easy access to funds
  • Up to 80% loan-to-value financing
  • Borrow $10,000 to $250,000 of your available equity
  • Up to 100% tax deductible interest (consult your tax advisor for details)
  • No pre-payment penalties

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Home Equity Team

Home Equity Loan Officer Email Phone
Benjamin Renteria brenteria@silverstatecu.com 702.939.8669

Loan Rates

Home Equity Loans

Loan AmountTermsAPR* Range
$5,000 to $250,000Up to 240 monthsAs low as 5.49%
Note: Up to 80% loan-to-value financing. Actual rate depends on 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 drawAs low as 4.75%
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 credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

*Annual Percentage Rate

Post-Master's Certification Loan 2
Home & Equity Loans 4
American Share Insurance
Equal Housing Lender