Silver State Schools Credit Union may update the Annual Percentage Yield (APY), Annual Percentage Rate (APR), Interest Rate, Tiers, and Terms at any time without notice. Rates are effective as of May 20, 2024, unless noted.

Home Equity Lines of Credit (HELOC)3


Mortgage Loan Rates can change at any time and without notice.

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

1The disclosed APR is based on the payment of 1.000 origination point. For example, a $400,000 loan with a 7.477% APR with a 360-month repayment term, the estimated monthly principal and interest payment is $2,763. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify.

2Up to 90% loan-to-value financing. Actual rate depends on credit score, term, and amount of loan.

3Annual percentage rate may vary. As of January 1, 2024, the Annual Percentage Rate of 8.50% 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. Other HELOC programs may be available.

Silver State Schools Credit Union (NMLS ID #382004) is located at 630 Trade Center Drive, Las Vegas, NV 89119 and can be contacted at 702.733.8820. Our mortgage loan origination officers are all licensed through the National Mortgage Licensing System (NMLS).

Membership eligibility is required. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum balance.