Banking and the Digital Frontier

INTRODUCING FOCAL POINT — THE NEW MAGAZINE FOR MEMBERS point focal CONTENTS Happy New Year! We wish Security — Looking Out for You you all a healthy and Page 3 All you prosperous 2017.

As we start a new year, it’s Savvy Money never been more important ONCU Student Scholarships to utilize a local institution for Page 5 need to your financial services needs. Consider this: 52-Week Savings Challenge

• One is owned by its members — that’s An Investment in Your Future you and me and many others. There are no outside Page 6 worry stockholders or holding companies, just all of us working together to create a great financial Member Profile institution. Jason Feinberg

• All decisions regarding , fees, branch placement, FOX 5 Las Vegas News Anchor about new services and everything else are made by Page 7–8 Nevadans; people just like you who live here and understand local economic conditions. The NEW Branch Page 9–10 • When you need us, we’re right here. If you have is you. a concern or just need a little extra help with something, there’s a branch nearby staffed by folks Auto Buying Tips who care. And our call center is also right here in Page 11 Nevada. When you call us, you talk to one of us, not a third-party agent. Serving the Community Page 12 • We have everything the “big guys” have. Our technology is as good as (or better than) the big banks! Compare our mobile app for yourself and see. Did You Know? Employee Focus So if you also have accounts or loans elsewhere, consider Page 13 moving them to One Nevada.

Thank you for your membership.

Bradley W. Beal, President/CEO $399 GAP ADVANTAGE The benefits of GAP Advantage ONCU Other financial Dealerships Our price for GAP is institutions Focal Point is produced Send comments and When your car is wrecked, we hundreds of dollars quarterly by One Nevada suggestions to: $599 $799-$999 cheaper than most as a service to our banks and car One Nevada $399 or more or more members. The goals of have you covered with GAP! (avg. costs) (avg. costs) dealerships. Focal Point this magazine are to 2645 South Mojave Road • Pays the remaining • $1,000 principal • Protects FOCAL POINT STAFF inform you about our Las Vegas, NV 89121 balance of your auto reduction to finance your credit products, provide financial [email protected] in the event of a replacement rating and Greg Barnes, SVP MARKETING/CMO education and present a total loss, after an vehicle with us gives you topics important to you. For address corrections, Jennifer Salvador, AVP MARKETING insurance payout within 90 days of peace of please speak with a Financial Jake Ludens, AVP MARKETING Service Representative or (up to $50,000). settlement. mind. Copyright ©2017. One Nevada call us. Lisa Jansen, AVP MARKETING — NORTHERN NEVADA Credit Union. All rights reserved. Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Reproduction, in whole or in part, To find a branch in your area, Union. Property, casualty and life insurance offered through One Nevada Insurance Services, LLC. Call (800) 388-3000 or visit any local Jara Pearson, DIGITAL MEDIA STRATEGIST without written permission is go to OneNevada.org or IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from prohibited. Federally insured by consumer reporting agencies, such as driving record, claims and credit history reports. Future reports branch for more information. Greg Pace, SR GRAPHIC DESIGNER NCUA. Equal Housing Lender. download our mobile app. may be used to update or renew your insurance. point 3 LOOKING OUTFORYOU

focal United States were identity of victims credit ordebitcard account isopened. fraud occurs whenanunauthorized can take many forms, butonetypeof F More than 13 million adults in the More than13millionadults inthe concern. Identity theft plenty usreason of for identity theft have given raud, card skimmingand

your credit report. companies to putafraud on alert thethree• Askoneof credit reporting Fraud alert How to prevent identitytheft: fraud amount was $15 billion. Javelin Strategy &Research. The total fraud alone in 2015, according to

your credit report. companies to putasecurityfreeze on thethree• Askoneof credit reporting Security freeze (credit freeze): • Lasts90days, and you canrenew it. issued inyour name. your identity before any new credit is • Itrequires potential creditors to verify

Pay your restaurant tab withacredit or you handyour card to someoneelse. point salemachines, of butalsowhen keypad. asyouyour punchitinonthe PIN the sophistication, somecanrecord Plus,magnetic stripe. dependingon information stored onyour card’s unnoticeable. They read theaccount The physical skimmersare almost frequently, onagasoline pump. on topanATM of machineormore fraudsters place adevice overlaid place. card the past, skimminghastaken its concerned aboutidentity theft thanin and recover from identity theft. one-stop resource to helpyou report • You canalsovisitIdentityTheft.gov, a monitor your credit andmore. report soon beableto track your credit score, available inonlinebanking. You’ll you free credit score card andreport withSavvyMoneypartnered to bring atonenevada.org.FREE Wehave Review your online credit report in your nameuntil thefreeze islifted. • Noonecanopenanewcredit lineof government canstillget access to it.) seeing acredit at report all.(The • This keeps potential creditors from It canhappennotjustat ATMs or Card skimmingoccurs when Although fewer consumers are • • • • or stolen. even turnitoff ifit’s lost card isbeingusedand when andhow your soyou cancontrolalerts limits andsetuptext merchants. You canalsosetspending and limittransactions andcertain to turnyour debitcard onandoff mobile app. Card Controls allow you Use Card Controls intheOneNevada suspicious activity. your mobiledevice andreport Check your account onlineorfrom immediately contact us. transaction orafter pressing cancel, If your card isnotreturned after the look right, don’t useit. machine before Ifitdoesn’t usingit. Look at theATM orpoint-of-sale Don’t give itto anyone. Cover Keep your PIN. safe. your PIN becoming askimmingvictim: Here aresometipsto helpyou avoid is notablylighter. thing you know, your checkingaccount card whenit’s your outof sight. Next the waiter might bedoingwiththe debit card andyou have noideawhat ONENEVADA.ORG | Q1 2017 Q1 to keep itsafe. Cover your PIN SAFETY TIP: 4 TRENDING SAVE INVEST

Get Savvy About Your Money. 52-week Savings An Investment In Challenge Your Future e have partnered COMING with SavvyMoney SOON! to bring you a free W credit score and report card, coming soon in online banking. You’ll be able to track your credit score, monitor your credit report and find better loan options available to you. THE 52-WEEK SAVINGS CHALLENGE IS FOR Track your Credit Score THE WHOLE FAMILY. Do you know your credit score rating? Do you have the lowest ooking for ways to save more? possible rates on your loans? We Here is a fun way to teach your want you to earn your personal family about the power of saving best score and have the best rates L throughout the year. The idea is on loans. We make it all FREE! simple and the results are worth the wait. Left to right: Danny Duffy, Eric Greth, CRC®, Chris Wible, CFP® and Marc Sultan, MBA Credit Monitoring HERE’S HOW IT WORKS. Have peace of mind when by refinancing your existing debt at SavvyMoney is Start with $1 during week one. ne of the benefits of membership at One Nevada you subscribe to email alerts. One Nevada. Plus we will highlight coming soon in • Increase your savings by $1 each subsequent Credit Union is a complimentary consultation with SavvyMoney will send you a new credit cards, personal loans and online banking. week. one of our team’s CFS* Advisors. Our team of notification when something car loans that will save you money. • In week 37 you save $37 and on week 52 seasoned financial advisors has over 99 combined changes on your credit report. O you’ve put away $52. years of experience in the business of investments, financial We compare the rates, you get SavvyMoney credit score provided is intended to help information provided to the credit union when you • Ultimately you will end up saving $1,378 planning and assisting people in their goals of achieving a more you understand the factors that affect your credit apply for a loan. The credit score found in the credit after 52 weeks. the savings. score, and ways you may be able to save money with report may be different than the credit score you see secure financial future. Based on your credit score, we’ll One Nevada Credit Union loan products. It is not through SavvyMoney. The offers presented are not Each week, savings increase. Your CFS* Advisors are here to assist you in all life stages, used for loan approval purposes or for determining offers to lend. Terms and conditions and offers are show you how you can save money loan rates. Loan rates and approvals are based on subject to change at any time. whether you are just starting out as an investor, planning This can be done forwards or backwards. for retirement or want to protect your accumulated wealth for Try starting with setting aside $52. your heirs. Then next week, decrease that amount by a Financial freedom is not achieved by chance, but by design. Let ne Nevada Credit Union Scholarships in the amount of $1,000 each buck and set aside $51. us assist you in designing a personalized financial plan for you. Scholarships has partnered with are awarded. Verification of enrollment On week 37 you’ll save $16 and on week 52 Change Lives. The Public Education (class schedule) is required. The funds must you’ll save a whopping $1. Call 702-641-4323 for a complimentary consultation! O Foundation to administer be applied toward tuition, fees and other www.oncuinvestments.com our Community Leadership Scholarship appropriate educational expenses. These For the kids, use smaller denominations and Program. funds will be disbursed in equal payments you can still teach a lifelong concept of savings The ONCU Community Leadership over two semesters. that will pay off. Scholarships are awarded annually to four Applications are judged on academic • Saving quarters will equal $344.50 eligible students as a way of recognizing achievement, leadership, career goals, quality • Saving dimes, will equal $137.80 and rewarding those graduating high of answers to the leadership essay questions 99 *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a school seniors that have contributed to and the scope of the student’s community For added fun, build your own bank for the registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations the success of their community through activity. Go to onenevada.org/about-us/ whole family. of the credit union, and may involve investment risk including possible loss of principal. Investment their volunteer and leadership efforts Representatives are registered through CFS. One Nevada Credit Union has contracted with CFS to make scholarships/ for more information. non-deposit investment products and services available to credit union members. and demonstrated leadership skills.

5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q1 2017 ONENEVADA.ORG | Q1 2017 6 FOCUS JASON FEINBERG

Q: What is your favorite thing about One Q: What makes delivering the news in Vegas Nevada Credit Union? different than other big cities and what A: The personal service I get. And I love do you enjoy most about Vegas? hearing the radio commercials! A: I feel like we can be a little looser in Las Vegas. Most people who visit from Q: How did you start your career in TV? other places say we are more fun. A: I started in Radio sales as an intern in The entertainment on the strip is first Tucson, but the on-air DJ’s thought I had class, plus Vegas has the best hotels, the personality for entertainment. My restaurants, clubs etc. And I think people first gig was on a show called “Saturday expect the best with their news too. Night Party Patrol” doing live remotes. Later I moved to Palm Springs for TV. My I enjoy all the live entertainment. I go to all first night, I covered a huge political gala of it. Recently I saw the LV Philharmonic, interviewing powerful Senators. I had no Lou Gramm of Foreigner, The Moody MEMBER idea what I was doing. Luckily they were Blues and Kanye West. But I’m also known politicians, so they had great 15-second to show up to a small budget play in responses. Henderson or a piano lounge at a hotel lobby. I have very eclectic taste. Q: How long have you been an anchor with Fox 5 Las Vegas? Q: What’s one of funniest/most A: I’ve been with Fox 5 for 11 years and in TV embarrassing things you’ve experienced since Feb 1992. during a live show? A: When I was first starting in TV, I was faxed Q: Have you considered any other markets? an alert from the police department. A A: Las Vegas is a great city! I’ve been coming man was wanted. They supplied a sketch, here from LA since I was 3 years old. I a description and in the name column it watched the town grow almost like a said LNU FNU. I thought he was foreign. local. My family would come up 5-6 times I pronounced his name on air as Lanu a year. LA is always an option down the Fanu. Later, the sergeant from the police road, but honestly I can’t stand the traffic. department called to tell me LNU FNU I’ve worked in bigger TV markets, but this stands for Last Name Unknown, First is the best. Name Unknown. Maybe I’ll name my Q: Is there a lot of pressure that comes along future son LNU FNU Feinberg. with your job? Q: Are you involved in any local charities? A: Yes, especially in this day and age. Social A: I do a lot with The Shade Tree, Opportunity media captures everything you say and Village and the NSPCA, but I attend a ton do. You have to be careful, because it is of charity events; recently, The Imagine live and no do overs. Dragons Tyler Robinson Foundation gala, Q: What’s it like being a local celebrity? The OV Santa Run and The St. Jude’s An Affair of the Art. ABOUT JASON A: I get recognized all the time. It comes with the territory. Everyone is really nice. Q: We hear a lot about your cats during the Fox 5 Las Vegas News Anchor Nowadays it’s all about the selfies and news, can you tell us about them? In his spare time, Jason pictures. Autographs are so 90’s. A: Well duh! My first cats Itchy and Scratchy Jason became a One Nevada member in likes to workout, go to pro Q: What is the most rewarding aspect about were very famous in Las Vegas. They lived 2015 and has lived in Las Vegas since 2006. football games, see classic your job? most of their 19 years in town. Mayor A: Making people laugh in the mornings, Oscar Goodman even gave them their He is a three-time Emmy award-winning rock concerts and hang with especially in these times of unrest. One own proclamation “Itchy and Scratchy journalist with more than 24 years of his pets or “family members” of the highest honors is the Emmy. I was Day” in 2008. They were also official experience in television news. including Dr. Feinberg, nominated many times before I won. It employees at the Southpoint equestrian was surreal winning the Emmy for Best center (chasing mice). Eight hotels wished Jason recently won the 2015 Emmy Award Kitty Perry and Giselle, a News Anchor this year. I thanked my cats. them a Happy 18th Birthday on their for Best News Anchor and is a member of five pound Yorkie. marquees. the Nevada Broadcasters Hall of Fame. Q: What advice would you give to anyone interested in a TV broadcasting career? Now I have my girls Dr. Feinberg and Kitty Before he started at FOX 5 in 2006, Jason A: You need to be willing to move to a Perry. They aren’t as outgoing as the boys worked as a correspondent for E! News small market. I started in Palm Springs and seldom leave the house. But they do in Los Angeles. He interviewed just about and Reno, which were nice. But my first silly things that make for great TV talk. every star in Hollywood and worked the anchor job was in Midland/Odessa Texas. Giselle, the five pound Yorkie used to live red carpets, premieres, movie junkets, set You wont be able to get on air in a big city at the house, now she comes and visits. visits and awards shows. right away. In order to get noticed, you The cats are both bigger than her, and she also need to make a demo reel; it’s more has a rivalry with Kitty Perry. Instagram: jasonfeinberg22 important than a resume. twitter: feinbergfox5 FB: jason.feinberg.5

7 ONENEVADA.ORG | Q1 2017 8 point point focal

focal The New Branch Just as digital tools help firefighters get to a fire faster, innovative technology and mobile delivery systems have changed the way we all bank and work.

anks and credit unions changing member behavior and on our mobile and online products to will likely overtake ATM deposits in the Experience our superior in the US have trimmed technology. conduct their daily banking business.” future. In  digital banking experience their branch network by “Our members still want to visit In the summer of 2015, for the first “We will always have physical for yourself. Download the B 6% since they peaked in with us when needed,” said Trudy time, more members conducted branches but as technology continues to One Nevada app today! 2009. In fact, One Nevada’s branch McClain, One Nevada’s VP of Branch transactions with our mobile app than advance, the member experience as we  in  M US ADULTS= network has been consolidated down Administration. “They still come in for online banking through a desktop. In know it will continue to evolve,” added BEGAN USING MOBILE BANKING to 16 total branches in Nevada from a complex transactions like signing for addition, mobile check deposits have McClain. FOR THE VERY FIRST TIME high of 24 a few years ago. The reason: a mortgage, but most of them rely been growing at a record pace and

9 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q1 2017 Source: JAVELIN 10 BORROW SERVICE KUDOS

JOAN H. Don’t Get Taken For A Ride! Community First And I’m a fairly new member (three or four months) and I Service Second To None must say I have had nothing but good experiences. I was in uying a vehicle can be pricing information, fuel efficiency, or the second year in a row, tears today and I walked into One Nevada held our 10 Days one of the largest reliability and more. Do the research the branch and left with a smile on my face. of Giving Contest to help our purchases you make in and buy the car that’s right for you. Susan was amazing from the moment I sat community during the your life, so we want After you’ve done your research F down. She really made me feel comfortable and B holiday season. For 10 days, we asked took care of my situation. I would say hands to help you make a smart and and narrowed it down to your top you to tell us your holiday wish; up to down the best banking experience I’ve ever educated decision. few, head to the dealer and test $500 on our Facebook page. In addition $500 donation to Project 150 had. Before she went home she even called to Before you visit the dealership you drive. It’s a good idea to visit more to the prizes shown below, we also gave make sure I was feeling better. I was completely What’s Coming Up must have an idea of how much you than one dealer as they all have their away a new couch, $500 Gift Card to in shock but also wowed by that personalized Kohls, a laptop, baby items and lessons • Valentine’s Day Giveaway want your payment to be. You know own prices. We strongly recommend • March Into Spring Giveaway customer service. I’m one happy customer! what your monthly expenses and getting preapproved with the at Sport-Social. • Mother’s Day Giveaway Thank you Susan! You made my day! income are, so be sure to determine Don’t be impulsive when you visit the credit union first. If you don’t get One Nevada holds a multitude of • Sweet Summer Giveaway social media contests throughout the a payment that’s affordable and dealership. Know your budget and preapproved and accept the dealer’s year, so follow our pages and enter for one that you can pay each month. stick to it. terms, you won’t know what your ® your chance to win! TurboTax — One Nevada has teamed up with TurboTax® to save you up to $15 The salesman will usually ask you First, do your homework and other options are. Our rates are on TurboTax federal products and a chance to win $25,000! Just try TurboTax Online for “where do you want your payment research. You can find a lot of free competitive so get preapproved, and FREE (and provide your email address) by February 16th to be automatically entered in the 1 to be?” Some may try and upsell information online at kbb.com or you’ll have more options. Currently TurboTax $25,000 Payday Sweepstakes. Start TurboTax now! you $50 to $100 dollars a month. Edmunds.com. There you can find our rates start as low as 2.79%.* More Savings with Love My Credit Union Rewards! If you don’t finance with us when The TurboTax credit union member discount is just one of many member discounts available you purchase the vehicle, we also with the Love My Credit Union Rewards program. Members have saved nearly $2 billion with exclusive offers from Sprint, ADT and cash back shopping with Love to Shop. provide refinancing. So if you are Start saving today by currently financed elsewhere, you visiting OneNevada.org can always apply for a refinance with and click on the TurboTax us. Sometimes this can save you New sneakers for four brothers banner. hundreds of dollars a month. Many 1 TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE times, customers find out after the NECESSARY. Open to legal residents of the fifty (50) United States or the District of sale what the true interest rates Columbia, 18 years of age or older at time of entry, who are customers of participating I love paying more than I should are, and it may not be what was Financial Institutions or employees of participating businesses. Void in Puerto Rico represented at first, so let us review and where prohibited by law. Sweepstakes for my auto loan. ends 2/16/17. Subject to complete Official your current rate and payment and Rules and all applicable federal, state and local laws. For Official rules including odds see if we can lower them. of winning, alternate method of entry, and prize descriptions, visit the Official Discovery Children’s Dinner at Roxy and Rules. PRIZES: 1 Grand Prize: A check for Museum Annual Passes Miracle on 34TH St. Tickets $25,000. Retail value, $25,000. 12 First Prizes: FINAL TIPS: know your budget, do A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes your homework, don’t be impulsive is $37,000. The odds of winning a prize depend upon the total number of eligible and don’t be influenced by the dealer entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey to spend more than you can afford! Santa Fe Rd, SDG-2A-03-22E, San Diego, For the rest of us, f inance or ref inance today and enjoy CA, 92129. * rates as low as 2.79% for well-qualified borrowers. State filing charges apply. Limited time We have calculators online that can offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service help you figure out your monthly and support options subject to change without notice. Intuit, TurboTax and payment. Visit onenevada.org/ TurboTax Online, among others, are calculators. registered trademarks and/or service marks *APR is annual percentage rate quoted as “as low of Intuit Inc. in the United States and other as” on January 1, 2017 and based on individual countries. Other parties’ trademarks or service marks are the property of their creditworthiness. Rates subject to change. OneNevada.org respective owners.

$500 Gift Card to Target 11 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q1 2017 ONENEVADA.ORG | Q1 2017 12 DID YOU KNOW? EMPLOYEE FOCUS The cash you need,

Corie Condon In 1918 the Fed was Branch Manager, Summerlin — when you need it. 33 years with One Nevada Credit Union. ahead of its time. $ % What is your favorite thing about working Short-term loans in minutes up to 1,500—94 approval. here? Great opportunities and the wonderful people I’ve met. One Nevada has always been a very family-oriented place and really takes good care of the employees. What significant changes have you seen? I remember when we got our first computers and ATM machines. Today ATM machines count your cash, and you can send money to someone through a smart phone. We’ve come a long way since the never ending teller lines on military payday. The most significant thing was when we implemented the online loan application and document processing. We no longer had to hand type (yes, I said hand type) every loan document. What has kept you devoted for 33 years? I love what I do and I’ve been given opportunities for growth and advancement. Our leaders are very supportive and have the utmost consideration for staff and members. I’ve also built some great friendships with co- workers. What’s rewarding about helping Get an Advance Pay 1918 — Electronic Money members? I’m a people short-term loan from person. I enjoy helping ost of us now don’t think anything about logging into the to meet their needs and One Nevada Credit One Nevada Mobile App and performing any number of building relationships Union. We’re faster with them. I’m now transactions, from checking balances to sending money. opening accounts for and charge less than But almost 100 years ago, the Federal Reserve was transmitting children of members the competition. M from 25 years ago. It funds internally via telegraph. Known as the Federal Reserve Wire Networks, makes me happy when I • Loans up to $1,500 for it connected all 12 Reserve Banks and the U.S. Treasury through a proprietary hear a member say they are two weeks. telegraph system. Today these systems glad they switched to One • Pay only $12.50 per have long since been updated, but it is Nevada Credit Union and they no longer feel like just a $100 borrowed. interesting to think that even in 1918, number. We hear that a lot at • No application fees, the Federal Reserve was using an early the Summerlin branch, and that no origination fees and version of One 2Pay. makes me feel very proud of Notice: A short-term loan should be where I work. used for short-term financial needs no pre-payment penalties. 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 ANNUAL MEETING NOTICE BOARD ELECTION NOTICE per $100 borrowed if you have direct The credit union will hold its annual meeting on The credit union extends its deposit, $15 per $100 borrowed without direct deposit. Visit getadvancepay. Tuesday, March 28, 2017 at noon. It will be held at the congratulations to Dennis Shipley and com for complete details and costs credit union’s corporate headquarters located at 2645 Vince Eckelkamp who were elected to new associated with this product. Call (800) 388-3000 or visit a local branch South Mojave Road, Las Vegas, Nevada 89121. three-year terms beginning in March 2017. to apply. GetAdvancePay.com 13 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q1 2017 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 13 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. M – F, 10:00 a.m. – 6:00 p.m. One Checking®—Tons of Special Share—Save for a special Nellis AFB, M – F, 9:00 a.m. – 5:00 p.m. free services, no monthly fee occasion such as a wedding, Personal—Signature, emergency, with 15 signature debit card anniversary or vacation. lines of credit, share secured and credit builder. Coming Soon! transactions per month or Share Certificates—Federally $2,000 in average daily balance. insured with terms from 3 months Business—Specializing in 2017 NEW BRANCH OPENING MyChecking—Free youth to 4 years, $1,000 minimum balance. commercial real estate lending. 6241 N. Decatur Blvd. account for ages 15–17, tons of MoneyMaker—Flexible and VISA® Signature Credit Cards— Las Vegas, NV 89130 free services. federally insured savings at Low-rate, low-fee Signature card New Start®—Second chance competitive rates. with CU Rewards™ and cash back options available. Northern Nevada Branches checking, tons of free services, Preferred Money Market—Earn a $19.50 monthly fee. Two in Northern Nevada, full branch listing higher rate if you have a relationship Advance Pay Short Term Loans— at OneNevada.org. Essential—Free account for with our Investment Group. Borrow up to $1,500 for two weeks for less than the other guys. lower-income members, tons of IRAs—Roth, regular and Coverdell All branches, M – F, 10:00 a.m. – 6:00 p.m. free services. Educational IRA options available with Share Certificates and Contact Center Hours MoneyMaker. M – F, 8:00 a.m. – 5:00 p.m. Wednesdays, 8:30 a.m. – 5:00 p.m. Insurance* Investments** Remote Banking ATM Locations Auto—We shop multiple carriers 401K Rollovers—Many IRA rollover Services 44 One Nevada ATMs in Nevada, full ATM to find you the best rates. options available. Mobile Apps—Manage your listing at OneNevada.org. Home—We’ll get you all the Annuities, Mutual Funds and account with your smartphone or protection you need. Brokerage Accounts—Get income tablet, pay bills, deposit checks or Over 46,000 fee-free Allpoint ATMs – visit you need for retirement. send money. allpointnetwork.com to find ATMs near you. Life—Term, whole and mortgage Allpoint ATMs—Enjoy 46,000 protection. Financial Planning—Local Lost/Stolen Cards representatives are ready to fee-free ATMs nationwide. Renters—Protects your personal To report lost or stolen credit cards: personally assist you and your Ca$h Perks—Get rewards based (800) 449-7728 property and provides liability family’s needs. protection. on where you shop every day with Retirement Planning—We’ll help your debit or . To report lost or stolen debit cards: AD&D—Covers you in the event (800) 528-2273 you plan income strategies and KeepTrack®—Pull all of your of death or loss of a limb, sight, inheritance strategies. speech or hearing due to an outside accounts right into your 24-Hour Debit Card Help Fraud / Disabled accident. One Nevada online banking Visa Debit Card: (866) 664-9364 **Non-deposit investment products and account. Credit Life & Disability—Pays off services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer Online Banking—View your Bill Pay Support your loan in the event of death, Metavante Corporation: (866) 873-9580 makes your payments in the (Member FINRA/SIPC) and SEC Registered accounts, transfer funds, apply for Investment Advisor. Products offered through loans and more. event of a disability. CFS are not NCUA/NCUSIF or otherwise Mobile Banking Apps Umbrella—Get liability coverage federally insured, are not guarantees or Online Bill Pay—Pay bills online Apple App Store: obligations of the credit union, and may for free. above the limits of your auto involve investment risk including possible loss Search “One Nevada Credit Union” and home policies. of principal. Investment Representatives are E-Statements—Save paper and registered through CFS. One Nevada Credit postage. Google Play Store: Guaranteed Auto Protection— Union has contracted with CFS to make Search “One Nevada Credit Union” 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, Holiday Closings loan in an emergency. Twitter and other online sites. • January 16 – Martin Luther King Day • February 20 – Presidents’ Day *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.