THE NEW ONE NEVADA WEBSITE! See Story Page 3-4 the Cash You Need, When You Need It
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THE NEW ONE NEVADA WEBSITE! See story page 3-4 The cash you need, when you need it. Short-term loans in minutes up to $1,500—94% approval. Get an Advance Pay short-term loan from One Nevada Credit Union. We’re faster and charge less than the competition. • Loans up to $1,500 for two weeks. • Pay only $12.50 per $100 borrowed. Notice: A short-term loan should be used for short-term financial needs • No application fees. only, not a long-term financial solution. Consumers with financial difficulties can visit getadvancepay.com for free access to financial education and online tutorials. The cost is $12.50 per $100 borrowed if you have direct deposit, $15 per $100 borrowed without direct deposit. Visit getadvancepay. com for complete details and costs associated with this product. Call (800) 388-3000 or visit a local branch to apply. OneNevada.org/advancepay point focal CONTENTS NEW OneNevada Website Fellow member-owners: We would like to call to your Page 3—4 attention a recent trend in the financial services industry that Trending — Banking Outside the could adversely affect you. It Branch seems more and more lenders and Page 5—6 $ % service providers are promising Short-term loans in minutes up to 1,500—94 approval. incredible ease and convenience, but at an exorbitant cost. Member Profile Mortgage loans are a prime example. Several lenders Major General L.D. Johnston (Ret) are now widely advertising incredibly fast and easy U.S. Air Force services, particularly via the internet. We’ve researched their fees and charges and found that on average they Page 7–8 charge several thousand dollars more than ONCU for an identical loan. Plus, the process isn’t really any easier or Balance — Get Financially Fit faster after the initial application is filed. Page 9–10 This marketing gimmick is also popping up for those interested in selling a home. Several companies are advertising that they will buy your home, pay the title and Borrow — Don’t be fooled by escrow fees, and even pay for your move. We’ve found that “Mortgage Magicians” these companies are either paying significantly below Page 11 market value for your home or assessing large fees. We too believe in providing fast and easy service, Serving the Community but in an honest and forthright way. We also offer the convenience of applying for a mortgage or auto loan Page 12 online through our website and mobile app. Our mortgage team is right here in Nevada and will guide you through Did You Know? the process without overcharging you. Shred Event So when you’re ready to buy or sell your home, be sure Employee Focus to shop around. Compare costs, fees and service then make an informed decision. We’ll even help you compare, Page 13 at no cost or obligation. Thank you for your membership. Bradley W. Beal, President/CEO Focal Point is produced Send comments and quarterly by One Nevada suggestions to: as a service to our One Nevada Credit Union members. The goals of Focal Point this magazine are to 2645 South Mojave Road inform you about our Las Vegas, NV 89121 FOCAL POINT STAFF products, provide financial Jennifer Salvador, AVP MARKETING education and present [email protected] topics important to you. For address corrections, Jake Ludens, AVP MARKETING please speak with a Financial AVP MARKETING — NORTHERN NEVADA Lisa Jansen, Copyright ©2017. One Nevada Service Representative or Credit Union. All rights reserved. call us. Jara Pearson, DIGITAL MEDIA STRATEGIST Reproduction, in whole or in part, To find a branch in your area, Corey Scribner, SR DIGITAL CONTENT DESIGNER without written permission is prohibited. Federally insured by go to OneNevada.org or Greg Pace, SR GRAPHIC DESIGNER NCUA. Equal Housing Lender. download our mobile app. Check It Out! he OneNevada.org website your account. The Online Banking system app, a link to the app is available on the debuted a brand-new look on you use to access your accounts retains home page of the website when you visit September 13, 2017. The website the same design with which you’re using your smartphone or tablet. now adjusts automatically for already familiar. Be sure to try out our enhanced Search any device you use – from On mobile devices, the most features to help you find what you’re Tsmartphones to desktop computers – to frequently accessed items are now right looking for on OneNevada.org. You’ll be help you find the information you need. on the home page of OneNevada.org, and able to find detailed information and easily We also relocated the login form to you can find the complete site menu by contact our Customer Support team to ask provide you with the most secure Online clicking the icon on the upper right corner them questions about your account or any Banking experience possible. You can now of any page of the site. If you haven’t of One Nevada’s services. click the “Login” link and go directly to the experienced how easy it is to access your The Help documentation within the secure Online Banking system to access accounts with the One Nevada mobile Online Banking system has been improved Log on to online banking Site search Download the mobile app 3 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q4 2017 Check It Out! as well. Just click the “Help” link on the upper right corner of any page while accessing your account to find answers for your Online Banking questions. If you have any questions, please call our Nevada-based Contact Center (OneNevada.org/contact) and we’ll be happy to help! Locate no-fee ATMs Log on to online banking See current rates ONENEVADA.ORG | Q4 2017 4 TRENDING Banking Outside the Branch. What can you do remotely with the One Nevada mobile app? Here are a few features available to members at No Charge. LOG IN WITH YOUR APPLY FOR LOANS CHECK YOUR CREDIT FINGERPRINT Start your loan application or check SCORE & CREDIT REPORT Tired of typing passwords? You can the status of an existing application A fantastic new feature in the configure “Quick Access” from the right inside the mobile app! You can One Nevada mobile app is the One Nevada app’s side menu and apply for Credit Cards, Home Loans, ability to not only see your log in to your account using just Personal Loans and Auto Loans any current credit score, but also your fingerprint. This biometric time on your smartphone or tablet. access your complete credit technology can save you time and report. One Nevada members keep your login information secure. can access their credit information 24 hours a day through this feature, included with all One Nevada accounts. 5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q4 2017 CARD CONTROLS Switch Cards On and Off Instantly enable groceries and fuel for everyday If you happen to misplace your debit Turn your card on and off with purchases, but disable entertainment or credit card, card control allows you a single touch, and the status is and travel until required. changed immediately. With ultimate to turn your cards on and off to protect Customize Transaction Types control comes peace of mind. your accounts from unauthorized Enable specific types of transactions, use. You can also set up spending Choose Merchant Categories depending on expected card usage. For limits that will automatically turn Enable specific categories of example, if you do not shop online often, off your card when you have reached merchants, depending on expected you can disable eCommerce but turn it a specified amount. Card control card usage. For example, you can on instantly when required. is included with all of One Nevada checking and credit card accounts. ONENEVADA.ORG | Q4 2017 6 MAJOR GENERAL LD JOHNSTON (RET) Major General LD Johnston (Ret) Former Commander, Air Warfare Center, Nellis Air Force Base Las Nevada, NV It’s the Airman... F-4 Phantom It’s the Airman, not the General, who stands armed atop the bunker on Christmas Eve It’s the Airman, not the General, who crews the jet in the snow and the blowing sand It’s the Airman, not the General, who wades waist-deep in the murk to fix the water line It’s the Airman, not the General, who rigs the wires on which the Orders are sent It’s the Airman, not the General, who jumps under fire, to rescue the downed lieutenant It’s the Airman, not the General, who sews tight the wounds of a gravely injured comrade It’s the Airman, not the General, who drafts the letter to a fallen warrior’s Mother Today, it’s the Airman, not the General, whose children are born...when he is TDY, again! Thus, it is to the Airman, that the General and each of us F-16 Fighting Falcon must dedicate ourselves...fully, faithfully, and forever! L.D.J. 7 When approached to be the member profile L.D. said: “I really don’t measure up to the truly Great Americans I’ve known, nor the young troops who are serving overseas right now... I can’t imagine anyone would want to read about an old L.D. with wife Sherri. Richard (L.D. and Sherri’s busted-up fighter pilot!” son), daughter-in-law Jangme and their cat Kayla. Q: How long have you been with One Q: What Air Force planes did you fly Q: What was the toughest part of your Nevada? primarily? 32 years in the Service? A: Since 1990 A: During the first 10 years, I flew the F-4 A: “Family separation” has always been in Vietnam, California, Georgia, Spain a challenge for military members, and Q: Favorite thing about One Nevada and Germany.