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The Dream Can Become Real When You Borrow Smartly. Proud New Title Partner of the NIAA

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The Dream Can Become Real When You Borrow Smartly. Proud New Title Partner of the NIAA QUARTERLY FINANCIAL INFORMATION FOR ONE NEVADA CREDIT UNION MEMBERS The dream can become real when you borrow smartly. Proud new Title Partner of the NIAA. NEVADA INTERSCHOLASTIC ACTIVITIES ASSOCIATION Visit onenevada.org/NIAA for details. FOCAL POINT Greetings, Fellow Members! You may have noticed things look a little Contents different with the Focal Point this month. Bring borrowing into focus We’ve been doing a bit of ‘spring cleaning’ Pages 3–4 on our overall look, and we’re excited to introduce you to the brand new Focal Point. It’s the same One Nevada you know and Top four reasons to refinance love but with a refreshed look. your home In this month’s issue, we tackle a topic all of us have to do from Pages 5–6 time to time . get a loan. Whether it’s needing a little extra until your next paycheck or buying your family’s dream home, typically all of us have to borrow money at some point. Member profile In this issue, we discuss key things to consider so you can Allie MacAdams borrow smart and keep your debt load under control. Look Physician Assistant (PA) for tips on auto buying and evaluating credit card balance Siena Pediatrics in Henderson transfer opportunities, as well as understanding the top four Pages 7–8 reasons you may want to refinance your home. Also, look for some exciting news about One Nevada in the community. As of March, One Nevada Credit Union is now Start your auto loan with the the proud Title Partner of the Nevada Interscholastic Activities financing Association (NIAA). That means we’ll sponsor over 200 State Pages 9–10 Championships and Tournaments annually across Nevada. We know many of our member families participate in school activities programs, and we believe sponsoring these activities Credit card balance transfers is a great way to support both our member families and the Page 11 communities we serve simultaneously. Finally, back by popular demand, our annual Spring shred Serving the community events are coming to both Reno and Las Vegas this May. Look Page 12 for locations, dates, and times in this issue. As always, thank you so much for your continued membership. Did you know? Employee focus Best regards, Page 13 Paul Parrish President/CEO One Nevada produces Focal Point quarterly as a service to you. Our goal is to bring you real financial knowhow that helps you be financially well. Copyright ©2019. One Nevada Credit Union. All rights reserved. Reproduction, in whole or in part, without written permission is prohibited. Insured by NCUA. Equal Housing Lender. Focal Point team Send comments and suggestions to: Deborah Colby, SVP-Chief Marketing Offi cer One Nevada Credit Union — Focal Point Jennifer Salvador, AVP-Content and Production 2645 South Mojave Road Jake Ludens, AVP-Demand Generation Las Vegas, NV 89121 Lisa Jansen, AVP-Community Engagement [email protected] Jara Pearson, Digital Media Strategist For address corrections, please speak with a Mike Tymczyn, Product Marketing Strategist Financial Service Representative or call us. Greg Pace, Sr Graphic Designer To find a branch in your area, go to Toni Marie Flowers, Marketing Operations Coordinator onenevada.org or download our mobile app. FOCAL POINT Bring borrowing into focus. hile the Earth has taken the with some basic information, you the $20. This is called compound same 67,000 mile-per- can understand the cost of any loan interest, and it’s a good thing when W hour course around the and borrow smartly. we’re talking about savings; not sun for as long as anyone can always so good when you borrow. remember, your financial world Annual percentage rate If your monthly payments aren’t travels along its own path. When it Let’s start with the Annual more than the amount in monthly comes to borrowing money, your Percentage Rate (APR). This is the financing, you’ll never pay off the world revolves around your credit total cost of borrowing money loan – making some lenders very score, debt-to-income ratio, today’s expressed as a percentage of the happy and rich. interest rates, and how well you total owed, applied per year. If you understand your options. borrow $1,000 at a 24% APR, you’ll Why the APR matters end up paying $240 for the loan The APR is different from a basic interest rate because the APR How creditors make money after one year. But it’s important to understand that the APR is includes all the fees and other loan At One Nevada, we’ve got your back. compounded monthly. costs. Essentially the APR is like When you need to borrow money, In our example, you’d be the price tag. It’s what you’ll end we’ll be here, and we’ll encourage charged 2% or $20 per month. up paying for that car, computer, you to pay it off as soon as possible That’s because the APR is divided couch, or personal loan. Always to minimize your costs. But not all evenly among the 12 months on the look for the APR to compare the creditors have the same philosophy. calendar. If you miss a payment, total loan costs before you decide Many want to keep you in debt for as you’ll be charged interest on the to borrow money. long as possible. By arming yourself new balance, which will include 3 South 702-457-1000 | North 775-827-3880 | Q2 2019 FOCAL POINT Smart borrowing habits Look at all the variables You have options It might seem obvious, but you should Before you borrow money, consider When you want to borrow money, avoid borrowing what you can’t pay the rates, fees, and why you need shop around. Compare APRs, back. Plus, a good rule of thumb is to financing in the first place. If it’s a terms, fees, and pre-payment borrow based on the long-term value credit card, think about how you penalties. If a company doesn’t or return on investment of the item will use it. Do you pay the balance want you to pay off a loan early, you’re buying or financing. A common every month? If so, get a card with chances are they aren’t the right order of importance includes: no annual fee and plenty of rewards fit for your financial life. perks. If you carry a balance, look for • College education the lowest APR. • House • Car/truck • Furniture or appliances Sorry, vacations, jewelry, Know the borrowing lingo smartphones, and shoes are not on our list of top things to purchase with Get to know these industry terms and take borrowed money. That’s because control of your financing options. those are items you should save for, not finance. The long-term value of those is either non-existent or Annual percentage interest rate over the Loan-to-value ratio decreases faster than you can pay off rate (APR) life of the loan. Also known as the loan. The cost you pay LTV. A calculation What about 0% financing? While each year to borrow Debt to income that expresses it’s like free money when you can get money, including the percentage of 0% financing on some new electronic ratio fees, expressed as Also known as DTI. difference between item, be careful. Read the fine print your loan amount and and watch out for early payoff a percentage. The This is a ratio between the vehicle or home’s penalties. higher the APR, the the percentage of more you’ll pay over your personal debt value. Understanding your credit the life of the loan. compared to your Your overall credit report and that total income. Lenders Term magic credit score can directly affect Buydown use this to determine, The amount of time your loan’s interest rate and how When purchasing a in part, your ability to between a loan’s much you pay overall for your loan. new or used vehicle, repay a loan. beginning and end, or The better your score, the less you’ll you may be offered an the number of months pay to borrow money and vice versa. option to buy down the Finance charge you make payments That’s why it’s important to monitor interest rate on the car The total amount of until fully repaid. your credit, fix errors, and continually loan. Essentially, you interest charges you work at improving or maintaining your pay some of the loan’s will incur over the life score. interest up front in of a loan. • Monitor your credit. As a One exchange for a lower Nevada member you have instant access to your credit score as much as you’d like. Just log in to online banking at onenevada.org or our mobile app and choose ‘credit score’ from the main menu. We recommend you monitor your credit and check your score on a regular basis. • Fix any errors or duplicate account information. Contact the credit bureau that is showing incorrect information on your report. All three credit bureaus now accept dispute filing online. • Improve your score over time by limiting the amount of credit you use and never missing a payment. 4 FOCAL POINT reasons to refinance TOP 4 your home. Owning your own Refinancing your loan to a lower The top four reasons to consider interest rate could reduce your refinancing: home can be monthly payments or shorten the amount of time you have left on 1. To take advantage of lower interest both incredibly your home loan, potentially saving rates: Many lenders claim that even you thousands of dollars.
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