Skip to main content
Text Size
Home / / Rates

Rates

Current Rates

Rates are effective as of: 11/12/2019

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

Savings
Minimum Balance to Earn Dividends
Rate
APY*
Regular Savings
$100.00
0.10%
0.10%
Junior Savings
$25.00
0.10%
0.10%
MYAccount Savings
$50.00
0.10%
0.10%
Secondary Savings
$0.00
0.10%
0.10%

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

Checking

Checking
Minimum Balance to Earn Dividends
Rate
APY*
Advantage Checking1
$0.00 - $20,000.00
0.995%
1.00%
Advantage Checking
$20,000.01 and over
0.00%
0.00%
Basic Checking
N/A
0.00%
0.00%
MY Account Checking
N/A
0.00%
0.00%

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

1Advantage Checking Qualifications: Maintain at least $1,000 in recurring direct deposits into your SSSCU account each statement cycle AND make at least 25 SSSCU Visa® Debit Card purchases each statement cycle. No minimum balance to open or earn dividends. Fees may reduce earnings on the account. This is a variable rate account. Rates may change at any time without notice.

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 - $2,499.99
0.20%
0.20%
$2,500.00 - $24,999.99
0.20%
0.20%
$25,000.00+
0.40%
0.40%
Insured Money Market Plus
$100,000.00
$0.00 - $99,999.99
0.35%
0.35%
$100,000.00+
0.50%
0.50%

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

Regular Certificates

($500.00 Minimum Deposit to Open)

Term
Rate
APY*
3-5 months
0.35%
0.35%
6-11 months
0.55%
0.55%
12-23 months
1.29%
1.30%
24-35 months
1.88%
1.90%
36-47 months
1.98%
2.00%
48-59 months
2.08%
2.10%
60 months
2.28%
2.30%

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

Jumbo Certificates

($100,000.00 Minimum Deposit to Open)
 
Term
Rate
APY*
3-5 months
0.45%
0.45%
6-11 months
0.65%
0.65%
12-23 months
1.39%
1.40%
24-35 months
1.98%
2.00%
36-47 months
2.08%
2.10%
48-59 months
2.18%
2.20%
60 months
2.37%
2.40%
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Traditional, Roth, & Education IRA Savings

Minimum Balance to Earn Dividends
Rate
APY*
$0.00 - $2,499.00
0.30%
0.30%
$2,500.00 - $24,999.00
0.30%
0.30%
$25,000.00+
0.30%
0.30%
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Traditional, Roth, & Education IRA Certificates

($500.00 Minimum Deposit to Open)
 
Term
Rate
APY*
12-23 months
1.29%
1.30%
24-35 months
1.88%
1.90%
36-47 months
1.98%
2.00%
48-59 months
2.08%
2.10%
60 months
2.28%
2.30%
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Jumbo IRA Certificates

($100,000.00 Minimum Deposit to Open)
 
Term
Rate
APY*
12-23 months
1.39%
1.40%
24 months
1.98%
2.00%
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Certificate of Deposit Promotion

($500.00 Minimum Deposit to Open)
 
Term
Rate
APY*
13 Month CD
1.982%
2.00%
25 Month CD
2.958%
3.00%
*APY=Annual Percentage Yield, APR=Annual Percentage Rate
CD Promotion offer is valid through December 31, 2019.

Loan Rates

Auto & Truck Loans

Terms
APR* Range
Up to 60 months
As low as 3.49%
72 months
As low as 3.99%
84 months
As low as 4.29%
Note: Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

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

Auto Title Loans

Terms
APR* Range
Up to 84 months
As low as 4.99%
Note: Vehicle is used as collateral. All loans subject to credit approval. Other terms and conditions may apply, ask for details
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Boat Loans & Recreational Vehicles

Terms
APR* Range
Up to 144 months
As low as 5.49%
Note: Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

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

Motorcycle Loans

Terms
APR* Range
Up to 84 months
As low as 5.49%
Note: Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

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

Power Sport Loans

Terms
APR* Range
Up to 84 months
As low as 5.49%
Note: Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

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

Towable Trailer Loans

Terms
APR* Range
Up to 144 months
As low as 5.49%
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

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

Personal Loans

Loan Amount
Terms
APR* Range
Up to $30,000
Up to 60 months
As low as 8.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Personal Lines of Credit

Loan Amount
Terms
APR* Range
Up to $30,000
N/A
As low as 10.99%
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.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Advanced Curriculum Loan

Loan Amount
Terms
APR* Range
Up to $5,000
Up to 48 months
As low as 6.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Classroom Supply Loan

Loan Amount
Terms
APR*
$1,000
12 months
4.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Retirement Credits Personal Loan

Loan Amount
Terms
APR* Range
Up to $25,000
Up to 60 months
As low as 6.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Retirement Credits Home Equity Loan

Loan Amount
Terms
APR* Range
Minimum $5,000
Up to 120 months
As low as 5.50%
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.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Educator Loan

Loan Amount
Terms
APR*
$2,000
24 months
6.99%
Note: The Educator Loan requires full-time licensed educator employment with proof of contract for the current school year in the state of Nevada. Other terms and conditions may apply, ask for details.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Home Equity Loans

Loan Amount
Terms
APR* Range
$5,000 to $250,000
Up to 240 months
As low as 7.50%
Note: Up to 100% 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.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Home Equity Lines of Credit

Loan Amount
Terms
APR* Range
$10,000 to $250,000
10 year draw
As low as 6.00%
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 credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate

Credit Cards

Type
APR* Range
Points Reward
As low as 11.00%
No Rewards Best Rate
As low as 9.00%
Secured Card
As low as 12.99%
Note: All loans subject to credit approval. Other terms and conditions may apply, ask for details.
*APY=Annual Percentage Yield, APR=Annual Percentage Rate
Credit Card Solicitation Disclsoure

Mortgages

View Rates

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

Back to top