Home buying tools of the trade. Pg 3 NEVER ROAD TRIP ALONE!
Take your One Nevada membership with you and get the best and most affordable insurance options to protect you and your ride. One Nevada Insurance Services has options to fit every make, model, and budget. Compare quotes from industry leading insurers online or over the phone.
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Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Union. Property, casualty and life insurance offered through One Nevada Insurance Services, LLC. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as driving record, claims and credit history reports. Future reports may be used to update or renew your insurance. point focal CONTENTS Fellow member-owners: The Tools You Need to March marked my first month Buy a Home as One Nevada Credit Union’s Page 3—4 new President and CEO. One of the first things I’d like to do is thank Bradley Beal, our Trending — Using Your former President and CEO, for Travel Benefits over three decades of service. Page 5—6 Our credit union has come a long way, in large part, due to Brad’s outstanding leadership. I’m quite confident we’ll carry this success Member Profile well into the future. We all wish Brad the best, and I Patricia Peters now stand ready with the entire One Nevada team to Owner & Operator Vegas Valley Winery continue serving your financial needs for many years Grape Expectations: to come. Nevada School of Winemaking In this Focal Point issue we’re focusing on just Henderson, Nevada that, your future. We’ve dedicated this issue to helping Page 7–8 you make financial decisions that benefit you and your family. In it, you’ll find information about buying a home in today’s market, what rising interest rates Riding Today’s Rate Waves could mean for your debt and how to utilize your travel Page 9–10 benefits to put relaxation back into your vacation. Whatever life throws your way, we’re here to help you Watching Your Credit Score be smart and be ready for whatever comes next. Page 11 With one focus,
Paul Parrish, President/CEO Serving the Community Page 12
Did You Know? Employee Focus Page 13
Focal Point is produced Send comments and quarterly by One Nevada suggestions to: as a service to our One Nevada Credit Union members. Our goal is to Focal Point FOCAL POINT STAFF help you understand all 2645 South Mojave Road that membership offers Deborah Colby, SVP MARKETING/CMO Las Vegas, NV 89121 you, 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 ©2018. One Nevada Services 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. Get to know the tools of the home buying trade.
uying a home in the 1. START WITH THE DOWN PAYMENT grants, and we’ll take care of the rest. Nevada market can be Depending on the loan and the home’s value, Qualify for a Home is Possible grant and tough. Really tough. Fact your down payment can be sizable. Today’s you could be awarded funding of up is, homes are being down payments range from 3% to 5% of the to 5% of the loan amount. The grant is sold right now for more home’s appraised value. That means you could forgivable after three years (if you stay in thanB their asking price, locking hard- need over $10,000 for the down payment on a your home). working families out of the running. So, $250,000 home. If you don’t have that kind of 2. POLISH YOUR CREDIT how can the typical Nevada homebuyer money saved up, you can use cash gifts from Sure, you don’t need perfect credit to get keep up with inflated prices? Being ready relatives or we can help you apply for a Home is a home loan, but it can make things easier and smart begins with the One Nevada Possible down payment assistance grant from and less expensive. Before you get pre- four-step, home buying tool belt. the Nevada Housing Division. qualified, get your FREE credit score and ONE NEVADA IS A HOME IS POSSIBLE report at onenevada.org or in our mobile PROGRAM QUALIFIED LENDER app. Just log in, choose ‘Credit Score’ and Just tell us you’d like to apply for one of the validate your identity to review your credit score and full report for free.
3 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 Get to know the tools of the home buying trade.
Review your credit report to ensure 3. GET PRE-QUALIFIED The great news is that as a One Nevada everything looks accurate. Should you notice You can speed up the process by getting pre- member, you have access to local realtors who anything that looks suspicious or might be qualified. Before you meet with your lender, know the areas where you want to buy a home. an error, including incorrect balances, contact organize the necessary documents including Get teamed up with the right realtor for you the agency listed on your report. They can your last two paystubs, last two W-2’s, your and your needs and start your home buying examine the details with you and make most recent financial statements (checking journey by getting pre-qualified at any branch corrections if needed. and savings), any IRA and retirement account or online at onenevada.org. The higher your credit score the better. To information, your current mortgage statement raise your score by a few points, try paying (if you already own a home) and copies of your down credit card balances and then putting last tax returns if you’re self-employed. the cards away for several months.1 Also, 4. FIND A QUALIFIED REALTOR avoid applying for any other credit (car loan, The right real estate professional can make all credit card, store charge card) before you the difference in the world when you’re buying apply for your mortgage. Call us directly at (702) 904-9525 or your first or next home. visit us online at: OneNevadaRealty.com
1This is not a promise of credit worthiness nor a guarantee to repair or improve a credit score. Consult a profession to discuss your current credit needs.
ONENEVADA.ORG | Q2 2018 4 TRENDING Relax
Yeah, you probably left the lights on but your vacation is covered! ummertime travel is TAKE CONTROL prevent the fraudsters from using your card. Debit and credit cards can be a great All One Nevada debit cards come with a wonderful thing. convenience when you’re traveling. It’s so our Card Control feature. Using the One Whether you’re visiting a much easier than carrying cash or travelers’ Nevada mobile App, you can turn your cards theme park, traveling to some checks. But the bad guys increasingly try to on and off. Plus, you can use Card Controls Splace lush and green or going tropical, find ways to use your card fraudulently. To to establish spending limits and geographic relaxation is the name of the game. Part help protect yourself, keep your debit and boundaries tied to your smartphone’s of that leisure starts with some surprising credit cards in check with self-regulating location. This same service will be added to benefits that you can use to protect your spending limits and geographic controls. our credit cards in late 2018. vacation from the unexpected. These simple Card Control tools can help
5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 GO MOBILE Protect Your Luggage: When you pay for One Nevada Tip: If you’re in an accident with Download and utilize any smartphone the cost of your transportation with a your rental car, be sure to get a copy of the apps that allow you to securely manage card, your luggage may be covered up accident report, a copy of the final auto rental your money while on vacation. You never to a set dollar amount. One Nevada’s agreement, a copy of the repair estimate, a know when you will need to log in to Signature Card covers luggage theft or police report (if available) and two photographs check a balance or make a transfer. carrier misdirection up to $1,250. While of the damaged vehicle. This will help process The One Nevada Credit Union Mobile that covers a lot of what might be in your your claim quicker. App is a great way to add some financial luggage, it doesn’t cover everything. To Call for Roadside Assistance: Beyond car rental Zen to your vacation. Download it to your further protect your belongings, travel coverage, roadside dispatch may also be phone to transfer funds, pay bills, make with your camera, smartphone, computer, available with some credit cards. These often deposits, find nearby ATMs, and check cash, glasses, contact lenses, tickets or include 24/7 towing and locksmith referral your credit card purchases from anywhere deeds in your carry-on bag. services. in the world. Question the Rental Car Insurance and Protect Your Smartphone: Ever damage your 1 Damage Waiver. When you rent a car with HIDDEN VISA® PERKS smartphone? Many credit card companies a credit card, you may not need the car There are a lot of benefits to carrying and offer protection plans that can help fix your rental company’s add-on insurance. For using a credit card while on vacation. phone if it’s broken. When you pay your example, when you use a One Nevada Watch for many of these perks when monthly wireless bill with your One Nevada Credit Card, the Auto Rental Collision you pay for your plane tickets, hotels and Visa® you can cover your primary phone up Damage Waiver covers damage due to rental cars with your credit card or card to $100 per claim with the Cellular Telephone collision or theft and reimburses you for rewards points. Protection benefit, and this applies even when the deductible portion of your personal you’re not traveling. Get New Cards Quick: Most cards offer automobile insurance. If the car rental Our One Nevada Visa® Signature Rewards 24/7 replacement if your card is ever lost company insists that you purchase the and Visa® Platinum Rewards Credit Cards or stolen. Companies can also help with insurance or add the waiver, call your card come with these and many other travel perks. cash advances and ATM locations. It’s a provider. If you’re carrying a One Nevada nice perk that can turn a ruined vacation card, call (800) 397-9010 or (410) 902-8012 Check out all of these and other relaxing into a salvaged one. (outside the U.S.). member benefits at onenevada.org.
1For One Nevada’s card benefits, visit OneNevada.org/loans/credit-cards/
ONENEVADA.ORG | Q2 2018 6 PATRICIA PETERS
Owner & Operator Vegas Valley Winery Grape Expectations: Nevada School of Winemaking Henderson, Nevada
7 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 When Patty Peters first “Two years ago, the law changed moved to Las Vegas in 1981, again,” she added. “It allowed wineries she never imagined she’d in Clark and Washoe Counties. That’s W be part owner of a winery and when we opened Vegas Valley Winery winemaking school. Her life was on adjacent to Grape Expectations. It’s a different trajectory that included a two separate wine businesses under career with the Las Vegas Metropolitan one roof. And it’s been a huge success Police Department and a membership thanks to some amazing people.” with One Nevada Credit Union. Since retiring in 2016 from the police “My husband Charlie was a first department, she has devoted her time level Sommelier. He had over 25 years to the school and winery, putting in working in the food and beverage long hours over countless days. But industry,” Patty explained, smiling Patty wouldn’t have it any other way. with the memory. “We wanted to “We’re all still trying to find a way open a wine school in Clark County. to take a day off here and there,” Patty However, Nevada law made it illegal to laughed. “I’m very busy and I’m very ferment wine unless you were a winery. happy. Winemaking is such a social Unfortunately, wineries weren’t legal in thing. I love it. I think that’s why I enjoy any Nevada county with a population One Nevada so much. Everyone there is over 100,000.” so friendly, reliable, and consistent.” After visiting a well-established As the winery and school continue winemaking school in New Jersey, to grow, so does its reputation for we started the process of getting the developing great wines, such as their law changed and developing Grape Syrah, Zinfandel, dry white, Rosé, and Expectations.” Riesling with names like Whimsical, La With the help of lawmakers, the Rosa, and Subtle Blonde. Nevada law was changed in 2005 Never one to sit idle, Patty and her allowing winemaking schools within business partners have harvested and the state. Over time and through word- produced five barrels of Nevada grown Grape Expectations: of-mouth, the school outgrew its wines, which are currently sitting in Nevada School of Winemaking modest home. On September 1, 2012, oak barrels waiting to be released (grapeexpectationslasvegas.com) they moved to a much larger 11,000 sometime in 2020. became a reality and moved into a square foot facility. “And yes, you can grow grapes in 3,200-square foot facility in Henderson, Eight days later, Charlie died Nevada,” Patty said. “This is such a Nevada. Students came to craft their unexpectedly. great adventure.” own barrel of wine over a 9-month Patty found herself working You can learn more about Grape experience that included crushing, alongside her late husband’s Expectations and Vegas Valley Winery pressing, racking, and bottling. friends. Together, they built Grape at grapeexpectationslasvegas.com and Students end up with 240 bottles (20 Expectations into what it is today vegasvalleywinery.com. cases) of their own wine to give out as and later formed Vegas Valley Winery gifts and enjoy in their own home. (vegasvalleywinery.com).
ONENEVADA.ORG | Q2 2018 8 Riding today’s rate waves urfing can be a great raise America’s prime rate for loans. LOCK-IN BEFORE THE WAVE analogy for life. As any It’s estimated that even a quarter- If you’re riding comfortably at a certain stoked wave rider will tell percentage-point hike could cost interest rate, find a way to lock it by you, surfing is all about consumers an additional $1.5 billion in consolidating that debt into a fixed rate catching a tasty wave, interest over the next year. With so many loan. One Nevada offers Personal Loans or Sriding it as far as you can, then wiping Americans living paycheck to paycheck, Home Equity Loans that lock your rate and out with style. However, riding atop it’s easy to see how even a small rate monthly payments. credit card balances and other loans hike can affect countless families. can get a little tricky, and a whole lot Think about how much credit card BUILD AN EMERGENCY FUND more expensive, when you mix in rising or other debt you have with a variable The reason many U.S. families get variable rates. interest rate. If you’re carrying too much into credit card debt isn’t only due to A variable interest rate is when the variable interest rate debt, even a small overspending. It’s because families don’t APR1 on your loan changes based on rise could put pressure on your budget. have emergency savings. When something market rates. As you may have heard, Here are a few ways you can balance unexpected happens, people pay for it the Federal Reserve is expected to your finances before they balance you. with a payday advance, credit card or other
9 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 form of variable interest rate credit. That balance is then paid for over time, which means the interest charges continue to grow. By building an emergency Once that balance is paid off, take the fund, you can help avoid this pitfall. full amount you were paying and add it to the loan with the next-highest rate. You’ll PAY YOUR BALANCES IN WAVES be making the minimum monthly payment This method can help you pay off your loans on that loan, the minimum monthly from faster. First, make the minimum monthly the prior loan, plus your additional payment GET ADDITIONAL ADVICE payment on all of your loans, except the one amounts. You’ll be surprised how quickly this The BALANCE Financial Fitness Program with the highest interest rate. You’ll want to can pay off a handful of loan balances. at onenevada.org/balance can help you make the minimum monthly payment on Repeat as necessary until all of your ride the rate wave and improve your that loan too, plus whatever else you can add variable interest rate loans are paid in full. You financial wellness. to it. If the minimum is $100/month, and you can even automate those payments using can add another $50 to it, do so. One Nevada Online and Mobile Banking. 1APR=Annual Percentage Rate.
ONENEVADA.ORG | Q2 2018 10 PROTECTION
It’s 2:00 a.m. do you know where your credit score is?
oday’s world moves at the speed of data. In case you’re potential problems before they make you ineligible curious, that’s really, really fast. And lurking in the for a loan or cost you more money. shadows of that high-speed, data-centric world are scammers, hackers and credit thieves. Protect Yourself T Get savvy with your money by getting involved with While it’s impossible to keep a 24/7 vigil on every aspect of your your credit report and your score. SavvyMoney® is a financial life, One Nevada makes it possible to keep a very close free member benefit that includes: eye on your credit. Through our partnership with SavvyMoney®, you can have access to your credit score and credit report anytime • Your current credit score you like for FREE. Plus, you can even setup alerts to monitor your • Credit report reviews credit activity. This can help protect you from the fraudsters. • Credit score and report alerts • Reviews of your credit usage Don’t Follow the Crowd • Online financial guidance According to the Consumer Federation of America (CFA), 32% of Americans have never looked at their credit report and 44% of SavvyMoney® is available whenever you’re ready. adults haven’t looked at their credit score in the past 12 months. Just login to online banking at OneNevada.org or in That’s staggering, considering what could be in there, specifically our mobile app. Then choose ‘credit score’ from the duplicate and fraudulent accounts opened in your name without your consent. Both your score and the report can help you spot main menu.
11 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 SERVICE KUDOS
Don’t miss our FREE Shred Events! ALYSHA H. I went in to learn more about building my credit, ended up leaving with an account with them and on the right path to build my credit. Marco was very patient and helpful, great customer service!! I’m very happy I went here.
Southern Nevada Northern Nevada Friday, April 27 Friday, May 4 Green Valley Branch Damonte Ranch Branch 1090 W Sunset Road 57 Damonte Ranch Pkwy 10:00 a.m. – 1:00 p.m. 10:00 a.m. – 2:00 p.m. Donations supporting Donations supporting
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Focal Point
Magazine survey April is National Financial Literacy Month and One Nevada is celebrating by sponsoring the We’d love your Women’s Money Conferences in Las Vegas and Reno. This informative and entertaining event opinion about our will inspire and guide you to establish the financial foundation for lasting success, so you member magazine. can relax and enjoy life. The event is FREE to attend. Register online OneNevada.org/survey at www.womensmoney.org/events Las Vegas Conference: April 14, 8:00 a.m. – 2:00 p.m. Texas Station, North Las Vegas Reno Conference: April 28, 8:00 a.m. – 2:00 p.m. Grand Sierra Resort, Reno ONENEVADA.ORG | Q2 2018 12 EMPLOYEE FOCUS Cely Farinas DID YOU KNOW? Mortgage Loan Processor How long have you been with the Credit Union? I have been with the credit union for 12 years, since Travel insurance is an old invention October 2005. Tell us about your position and what you do. As a loan processor, I help n 1863, a guy named James Batterson created travel during the entire process of getting a insurance for the upper class. Back then, theft or a missed member’s loan closed. The integral ship or train could cost someone tens of dollars. All joking part of a loan processor’s job is aside, his insurance protected people from unexpected being organized. Once a member I gets their income and asset circumstances while traveling. Over time, travel insurance information verified with a real became a necessity for business travelers and anyone going estate loan officer, the processors overseas. receive a file with a conditional Today, most people carry travel insurance through their loan approval from the mortgage credit cards. Additional premium-coverage options include underwriter. We then reach out to terrorism, acts of war, and political incursions. Some policies the member introducing ourselves to let them know we handle even cover ransom and extraction from hostile areas. But really, the loan’s process going forward. if you need to cover a helicopter ride out of a warring region, Can only members obtain a you might want to reconsider your travel plans altogether. mortgage with us? Potential members are welcome to apply for a mortgage loan. Once their loan is conditionally approved by the mortgage underwriter, and as part of the process, we inform them they’ll need to establish an account with us. What would you say is the most critical thing a borrower needs to do before even starting the mortgage loan process? Is it the same for a refinance? For good measure, borrowers should be pre-approved for a mortgage loan prior to house hunting. This will help when dealing with sellers and real estate agents in preparing the contractual residential purchase agreement. As for a refinance, a real estate loan officer is happy to explain loan terms at the time of loan origination, by providing members with our Loan Estimate. A Loan Estimate is a good faith estimate of the costs of the loan. How can a borrower help the process go smoothly? As a golden rule, it’s always best to be prepared with the necessary documents when members meet with a real estate loan officer at time of loan origination. The best prepared file presented at the time of the initial loan review/approval, will make the process go much smoother. What sets One Nevada apart from other mortgage lenders? Simple, we offer a wide variety of products to meet members’ financial needs. We’re a local lender with competitive interest rates and low fees. What do you find to be the most rewarding part of your job? When the loan comes together and the member’s loan is finally approved. At times, members can feel intimidated with the mortgage loan process, as there are many variables and third parties. It’s rewarding to put the pieces together for our members to make them feel at ease. What do you like to do in your free time? I’m pretty simple. I just like spending quality time with close friends and family.
13 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q2 2018 Buying or selling a home in Las Vegas?
At One Nevada Realty Services, Your Local Real Estate Experts With over 130 years of combined experience, you’ll receive: 15 professional agents, and a 5% listing guarantee, One Nevada Realty Services has been your home • 5% home listings buying and selling partner for over 13 years. • Complete representation • Full-service MLS listing with professional photos and a virtual tour • Marketing on social media
If your home is currently listed, please disregard this offer. Not valid with Call One Nevada Realty Services any other real estate benefits program. REALTORS® are members of the National Association of REALTORS® and members of the Greater Las Vegas at (702) 682-9196. Current listings Association of REALTORS®. One Nevada Realty Services, LLC is a wholly- owned subsidiary of One Nevada Credit Union. available at onenevadarealty.com PRSRT STD U.S. POSTAGE PAID Las Vegas, NV Permit No. 2020
Products and Services available to One Nevada Members Handy Information Checking Accounts Savings Accounts Loans Southern Nevada Branches 12 in Southern Nevada, full branch listing at One Checking® Rewards— Tons Primary—Smart, simple savings. Auto—New, used and refinance. OneNevada.org. of free services, earn unlimited Holiday—Easy way to save for Home Loans—First, second, home cash back on debit card All branches except Nellis AFB, transactions, $5 monthly fee. holiday expenses. equity and home equity lines of credit. 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Auto—We shop multiple carriers 401K Rollovers—Many IRA rollover Services to find you the best rates. options available. Mobile Apps—Manage your Lost/Stolen Cards Home—We’ll get you all the Annuities, Mutual Funds and account with your smartphone or To report lost or stolen credit cards: protection you need. Brokerage Accounts—Get income tablet, pay bills, deposit checks or (800) 449-7728 you need for retirement. send money. Life—Term, whole and mortgage To report lost or stolen debit cards: protection. Financial Planning—Local Allpoint ATMs—Enjoy 46,000 (800) 528-2273 representatives are ready to fee-free ATMs nationwide. Renters—Protects your personal personally assist you and your Ca$h Perks—Get rewards based 24-Hour Debit Card Help Fraud / Disabled Visa property and provides liability family’s needs. Debit Card: (866) 664-9364 protection. on where you shop everyday with your debit or credit card. 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CFS are not NCUA/NCUSIF or otherwise Search “One Nevada Credit Union” federally insured, are not guarantees or Online Bill Pay—Pay bills online Umbrella—Get liability coverage obligations of the credit union, and may above the limits of your auto for free. Holiday Closings involve investment risk including possible loss • May 28 – Memorial Day and home policies. of principal. Investment Representatives are E-Statements—Save paper and • July 4 – Independence Day registered through CFS. One Nevada Credit postage. Guaranteed Auto Protection— Union has contracted with CFS to make Helps cover the difference non-deposit investment products and services Social Media—Keep in touch with between the balance of your available to credit union members. the credit union via Facebook, loan in an emergency. Twitter and other online sites. *Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Account Alerts—Sign up for text Credit Union. Property, casualty and life insurance offered through One Nevada Insurance or e-mail alerts for information Services, LLC. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as driving record, claims and credit history about your account. reports. Future reports may be used to update or renew your insurance.