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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Post Master's Certification Loan

Retirement Credits Home Equity Loan

Borrow against the equity in your home to fund the purchase of retirement credits and retire early. This loan is designed for educational employees participating in the Public Employees’ Retirement System (PERS) of Nevada.


  • Fixed, competitive interest rate
  • Up to 80% loan-to-value financing
  • Terms of 60 to 240 months (limited to the number of years remaining before member reaches retirement age)
  • Available for primary residence only

To qualify for this loan, a member must have direct deposit of payroll into, as well as automatic payment transfer from, an SSSCU checking or savings account. In addition, to take advantage of this loan you must furnish us with a “purchase of service agreement” from PERS.


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Loan Payment Example

Dollar Amount Term APR Monthly Payment
$50,000 120 months 3.99% $506

Loan Rates

Retirement Credits Home Equity Loan

Loan AmountTermsAPR* Range
$3,500 to $250,00060 to 120 monthsAs low as 3.99%
$3,500 to $250,000144 to 240 monthsAs low as 4.49%
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.

*Annual Percentage Rate

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