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Rates

Current Rates

Rates are effective as of: 5/1/2021

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
0.05%
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%

*APY = Annual Percentage Yield. Rates may change after account opening. Annual Percentage Yield is accurate as of the effective date above. Fees may reduce earnings on the account. 

Checking

Checking
Minimum Balance to Earn Dividends
Rate
APY*
Advantage Checking1
$0.00 - $20,000.00
0.74%
0.75%
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. Rates may change after account opening. Annual Percentage Yield is accurate as of the effective date above. Fees may reduce earnings on the account.

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
0.05%
0.05%
$2,500.00 - $24,999.99
0.05%
0.05%
$25,000.00+
0.10%
0.10%
Insured Money Market Plus
$100,000.00
$0.00 - $99,999.99
0.15%
0.15%
$100,000.00+
0.25%
0.25%

*APY = Annual Percentage Yield. Rates may change after account opening. Annual Percentage Yield is accurate as of the effective date above. Fees may reduce earnings on the account. 

Regular Certificates

($500.00 Minimum Deposit to Open)

Term
Rate
APY*
3-5 months
0.25%
0.25%
6-11 months
0.25%
0.25%
12-23 months
0.34%
0.35%
24-35 months
0.44%
0.45%
36-47 months
0.64%
0.65%
48-59 months
0.74%
0.75%
60 months
0.84%
0.85%

*APY = Annual Percentage Yield. Fees may reduce earnings on the account. Early Withdrawal Penalty for a Certificate Account with terms 12 months or less, a 90 days of dividends penalty will apply. Early Withdrawal Penalty for a Certificate Account with terms greater than 12 months, a 180 days of dividends penalty will apply.

Jumbo Certificates

($100,000.00 Minimum Deposit to Open)
 
Term
Rate
APY*
3-5 months
0.25%
0.25%
6-11 months
0.25%
0.25%
12-23 months
0.34%
0.35%
24-35 months
0.44%
0.45%
36-47 months
0.64%
0.65%
48-59 months
0.74%
0.75%
60 months
0.84%
0.85%

*APY = Annual Percentage Yield. Fees may reduce earnings on the account. Early Withdrawal Penalty for a Certificate Account with terms 12 months or less, a 90 days of dividends penalty will apply. Early Withdrawal Penalty for a Certificate Account with terms greater than 12 months, a 180 days of dividends penalty will apply.

Traditional, Roth, & Education IRA Savings

Minimum Balance to Earn Dividends
Rate
APY*
$0.00 - $2,499.00
0.20%
0.20%
$2,500.00 - $24,999.00
0.20%
0.20%
$25,000.00+
0.20%
0.20%

*APY = Annual Percentage Yield. Rates may change after account opening. Annual Percentage Rate is accurate as of the effective date above. Fees may reduce the earnings on the account.

Traditional, Roth, & Education IRA Certificates

($500.00 Minimum Deposit to Open)
 
Term
Rate
APY*
12-23 months
0.34%
0.35%
24-35 months
0.44%
0.45%
36-47 months
0.64%
0.65%
48-59 months
0.74%
0.75%
60 months
0.84%
0.85%

*APY = Annual Percentage Yield. Fees may reduce earnings on the account. Early Withdrawal Penalty for a Certificate Account with terms 12 months or less, a 90 days of dividends penalty will apply. Early Withdrawal Penalty for a Certificate Account with terms greater than 12 months, a 180 days of dividends penalty will apply.

Jumbo IRA Certificates

($100,000.00 Minimum Deposit to Open)
 
Term
Rate
APY*
12-23 months
0.34%
0.35%
24-35 months
0.44%
0.45%
36-47 months
0.64%
0.65%
48-59 months
0.74%
0.75%
60 months
0.84%
0.85%

*APY = Annual Percentage Yield. Fees may reduce earnings on the account. Early Withdrawal Penalty for a Certificate Account with terms 12 months or less, a 90 days of dividends penalty will apply. Early Withdrawal Penalty for a Certificate Account with terms greater then 12 months, a 180 days of dividends penalty will apply.

Loan Rates

Auto & Truck Loans

Terms
APR* Range
Flexible Terms
As low as 2.99%

*APR = Annual Percentage Rate. Actual rate depends on the credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Auto Title Loans

Terms
APR* Range
Flexible Terms
As low as 4.99%

*APR = Annual Percentage Rate. Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Boat Loans & Recreational Vehicles

Terms
APR* Range
Flexible Terms
As low as 5.49%

*APR = Annual Percentage Rate. Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Motorcycle Loans

Terms
APR* Range
Flexible Terms
As low as 5.49%

*APR = Annual Percentage Rate. Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Power Sport Loans

Terms
APR* Range
Flexible Terms
As low as 5.49%

*APR = Annual Percentage Rate. Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Towable Trailer Loans

Terms
APR* Range
Flexible Terms
As low as 5.49%

*APR = Annual Percentage Rate. Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Certificate & Savings Secured Loans

Loan Amount
Terms
APR*
Balance of Savings/Certificate
Flexible Terms
3.00% over Savings/Certificate Rate

*APR = Annual Percentage Rate. All loans subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. 

Personal Loans

Loan Amount
Terms
APR* Range
Up to $30,000
Flexible Terms
As low as 8.99%

*APR = Annual Percentage Rate. Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval and verification. Other terms and conditions may apply, ask for details. 

Personal Lines of Credit

Loan Amount
APR* Range
Up to $30,000
As low as 10.99%

*APR = Annual Percentage Rate. 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
Flexible Terms
As low as 6.99%

*APR = Annual Percentage Rate. 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
4.99%

*APR = Annual Percentage Rate. All loans subject to credit approval. Other terms and conditions may apply, ask for details. A $1,000 Classromm Supply Loan at 4.99% APR for 12 months has an estimated monthly payment of $85.45.

Retirement Credits Personal Loan

Loan Amount
Terms
APR* Range
Up to $25,000
Flexible Terms
As low as 6.99%

*APR = Annual Percentage Rate. 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
Minimum $5,000
Flexible Terms
As low as 5.50%

*APR = Annual Percentage Rate. 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. 

Educator Loan

Loan Amount
Terms
APR*
$2,000
24 months
6.99%

*APR = Annual Percentage Rate. The Educator Loan requires full-time licensed educator employment with proof of contract for the current school year in the state of Nevada. All loans subject to credit approval and verification. Other terms and conditions may apply, ask for details. A $2,000 Educator Loan at 6.99% APR for 24 months has an estimated monthly payment of $89.31.

Home Equity Loans^

Loan Amount
Terms
APR* Range
$5,000 to $250,000
Flexible Terms
As low as 7.75%

*APR = Annual Percentage Rate. 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. Other terms and conditions may apply, ask for details.

Home Equity Lines of Credit^

Loan Amount
Terms
APR* Range
$10,000 to $250,000
10 year draw
As low as 4.00% (variable rate)

*APR = Annual Percentage Rate. Annual percentage rate may vary. As of July 1, 2020, the Annual Percentage Rate of 4.00% assumes the use of the “as low as rate” for a loan with 80% Loan-to-Value. The maximum APR will not exceed 18.00%. The minimum amount of subsequent advances is $500. The minimum payment amount is based on your outstanding balance and current interest rate, rounded to the nearest $5, and subject to a minimum of $100. Property insurance required. Flood insurance, closing costs, and mortgage insurance premiums may be required. Other terms, conditions, and fees may apply. A $250 HELOC processing fee will apply. Additionally, Excess Title Fees above $250 may apply and can range between $250-$650. An appraisal fee of $650 is required on all loan amounts exceeding $100,000. Maximum Loan-to-Value for first mortgage and equity loan may not exceed 80% of property value. Offer available for 1- to 4-family owner-occupied properties. Offer excludes refinancing of other existing SSSCU loans. Other home equity line of credit programs may be available.

Credit Cards

Type
APR* Range
Cash Back
As low as 13.99% (variable rate)
Low Rate
As low as 7.99% (variable rate)
Secured Card
12.99% (fixed rate)

*APR = Annual Percentage Rate. Cash back offer excludes Silver State Schools Credit Union Secured Visa and Low Rate Visa Credit Cards. All loans subject to credit approval. Other terms and conditions may apply, ask for details.
Credit Card Solicitation Disclosure

Mortgages^

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^Mortgage loan origination officers are all licensed through the National Mortgage Licensing System (NMLS). Consult a tax advisor for deductability of interest. Silver State Schools Credit Union (NMLS# 382004) is located at 630 Trade Center Drive, Las Vegas, NV 89119 and can be contacted at 702.733.8820.

Must be a Silver State Schools Credit Union (SSSCU) member to borrow. Membership at SSSCU requires a savings account with a minimum balance of $25.00. To determine Member Eligibility, click here.