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.

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

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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. That a 1% interest rate reduction can be rewarding and said, it’s important to note that reason enough to refinance. Reducing refinancing does cost some money. your interest rate can help you build challenging. equity in your home sooner and How much will a refinance decrease the size of your monthly It can be your largest payment, saving you a lot of money. investment and your single cost? However, if you don’t plan on When you refinance your home, living in your home for much longer, biggest expense. And like you might end up paying broker any large investment, refinancing might not be cost fees, closing costs, and a few effective. Before you refinance, add there are times when others. A typical refinance will cost up all the costs of completing the loan you find yourself asking anywhere between 3-6% of the and then divide that number by the loan’s principal. While that might whether you’re making the amount you would save every month seem like a lot, there are some on the mortgage if you refinance. right decision. Questioning really good reasons a refinance That will tell you how long you’d need whether you should can work in your favor, along with to stay in the home to break even on refinance your home can some things to really consider your refinance costs. before you do. be one of those important At One Nevada, we make it easy 2. To access cash: If you refinance moments. and more affordable to refinance your home and tap into it’s equity, your home by charging a flat fee of it’s called cash-out refinancing. This $562.00. While that doesn’t include can be a great option, especially if 3rd party fees, it can save you a lot you use that money to increase the of money.

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equity in your home. Installing a new 4. To convert between adjustable- rate and loan price for each estimate. roof, windows or doors; remodeling rate and fixed-rate mortgages: Divide this price by the amount you’ll the kitchen or master bathroom; Over time, market rate save each month with your new rate. and even updating your patio or adjustments can increase the rates This is the number of months it will deck can add value (equity) to your on Adjustable Rate Mortgages take for you to break even on the new home. It also makes your home (ARMs) until they top the going rate loan. more livable. That’s a win-win in our for fixed-rate mortgages. When opinion. this happens, switching to a fixed- One Nevada Tip: To get an accurate If you plan to use the cash (equity) rate mortgage can be a good estimate from any lender, be sure to pay off higher interest debt, such idea. Again, it’s all about doing the you have proof of income for the past as a credit card balance or student math. two years and a recent paystub or loan, this is where we urge careful retirement award letter. You’ll also consideration. We’re all about you Is a refinance right for you? need two years of tax returns and paying down debt, but it’s important First consider if you’re doing it for W2s. that you be thoughtful about future a good reason. Will it benefit your spending and avoid racking up those family’s financial well-being? If Boost your financial knowhow credit card balances again. you’re extending your term another When you have questions about 10 or 20 years just to lower your refinancing your home loan, One 3. To shorten the life of your loan: monthly payment, be careful. Nevada is here to provide the If you have a mortgage with a long Any money you save on lower answers – and the math. Give us a loan term, for instance 30 years, payments will be lost in the cost of call, or use our online calculators at refinancing with a lower term and the refinance and the extra years one nevada.org/calculators. a lower rate, could help you pay off of interest you’ll be paying on your Las Vegas Area: 702-382-4094 your loan sooner without changing mortgage. the monthly payment much. Just Second, get a good faith Reno/Sparks: 775-827-3880, x4643 be sure you do the math carefully estimate from several lenders. to ensure you can still afford the Take special note of the interest payment.

onenevada.org | Q2 2019 6 MEMBER FOCUS

Allie MacAdams, PA-C Physician Assistant Siena Pediatrics in Henderson Member since: 2009

he commute from her home dad has worked at the credit union and most of her extended family in Vegas to the aquarium- for over ten years), and how she lives. It’s also where she works T themed pediatric office and her husband plan to pay off her second job as a PA at the where she works in Henderson their student loans in record time. emergency room at University is always enjoyable for Allie “One Nevada has been the Medical Center. MacAdams. Especially since she most helpful to my family through “Nevada is a growing state, financed her Hyundai Santa Fe at financing our vehicles,” Allie said ranking top 10 in the nation as One Nevada. with a smile. “One Nevada makes fastest growing,” she added when This pet-friendly mom of everything super easy. We’ve asked why she lives in the area. two, who is both career minded bought two cars through the credit “The medical community is similar, and family focused, gave us the union. You have the best rates in since we have to accommodate chance to chat with her about her town and it’s hassle-free.” the expanding population. Plus, membership, why she loves One That home town Allie is talking most of our family lives here. It’s Nevada (aside from the fact her about is Las Vegas, where she just a great place to be.”

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As the MacAdams family enjoys having fun with the family too. coworkers and patients,” Allie each new day together, they’re also “There should be a balance commented. “The most rewarding focused on eliminating the student between living frugally to pay debt part of my career is watching children debt that she and her husband and also enjoying life.” grow, meeting their milestones, accumulated with their incredible For Allie, her career is part of healing from sickness, and interacting educations. that rewarding life. After getting with their parents. I love getting “It’s important to get out from her undergraduate degree at the homemade cards from my patients!” under the student loan debt before University of Arizona and University At One Nevada, it’s members like taking out more loans,” Allie added. of Las Vegas, she got her Master of Allie and her family that encourage “My husband and I created a Science in Physician Assistant Studies us to find new ways to make our monthly budget and stick to it. We from Touro University Nevada just a members’ lives easier. have a five-year goal to pay off handful of years back. “I can always trust One Nevada to our student loan debt.” “There is always an opportunity have my family’s financial back,” said That five-year goal includes to learn and grow with my fellow Allie.

onenevada.org | Q2 2019 8 FOCAL POINT Start your auto loan with the ﬁ nancing.

Scoring a great deal on When applying for any auto loan, quality used cars and trucks. Learn more you’ll ideally want a 10% down at onenevada.org. your next car or truck payment, a term of no more than doesn’t start at the 60 months, and Guaranteed Compare the price and warranty dealership or searching Asset Protection (GAP) insurance Compare at least three dealerships for the to minimize the risk of being total selling price, including accessories for the right make underwater on your loan if your car is and taxes, of the make and model you and model on your stolen or totaled in an accident. want. They often call this the out-the-door price. Then use the best-quoted price to computer. It starts with Understand insurance costs shop at your favorite dealership. Now, ask smart borrowing tactics We highly recommend GAP about the available warranty. Even used insurance if your loan amount would cars often still carry some warranty. If the that can save you hundreds of exceed the actual value of your car car or truck you’re about to buy doesn’t dollars. Those strategies can help you or truck. For example, if your car is have much of a warranty left, One Nevada stay within your budget, too. We’ve stolen and it’s worth $20,000, but Insurance Services can help. Our extended put together some of the best ways to you still owe $27,000, you would be warranties can help pay for larger repair borrow smart and get the most from responsible for the $7,000 left on bills that can happen at any time. your next auto loan. the loan. With the addition of GAP, that $7,000 could be reduced or Drive home happy Do your homework eliminated. If the price is right and the vehicle is Nothing ruins a family budget like an Call around for quotes and perfect, let the dealer know you’re pre- out-of-reach auto loan payment. The research the insurance costs for approved with One Nevada. While trick to staying within your monthly any vehicle you’re considering. they might try to convince you that their budget is to borrow what you can This should include the cost of GAP fi nancing is a better deal, or that you realistically aff ord. One of the best insurance. Depending on the vehicle, might qualify for some third-party loans, rules-of-thumb is to keep your car your driving history, and your credit, it’s important you do what is right for you payments between 15-20% of your insurance premiums can vary greatly. and your fi nances. If you have questions overall income. This is called the Get a free quote from One Nevada about a fi nancing off er, walk away and payment-to-income ratio, which Insurance Services at 702-641-4346. give yourself time to review the fi ne print. applies to home loans as well. You can even give us a call or stop by to One Nevada has plenty of online Get pre-approved before you get help with the comparison. calculators to help you at onenevada. Once your loan with us is approved and org/calculators. shop It’s a great idea to narrow your signed for and you’re ready to buy, we’ll provide you the check you’ll bring to the Secure your fi nancing search to a few specifi c makes and models before you take a single test dealer in exchange for your keys. We’ll take Being pre-approved for an auto loan drive. Edmunds.com can help you it from there, contacting you a few days is just like carrying cash, only better. make a list of the ideal makes and later with your payment information. It makes you an informed consumer models that fi t your budget. That and puts you in charge when you same site can help you determine Always borrow smartly do go to the dealership. See today’s the best price for your trade-in as Get pre-approved at any branch, at rates and terms on our website. When well, if you have one. Additionally, onenevada.org or call 800-388-3000. you’re ready to apply, have your we’ve teamed up with Enterprise Car salary and employment information Sales to help you get a great deal on handy.

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Should you If the car or truck you already refi nance own is safe, comfortable, and instead? aff ordable, then refi nancing your loan might be the smart move. Just do the math fi rst. If you owe a lot more than the vehicle is worth, then refi nancing may not be an option. As always, do the math or give us a call and we’ll help you.

Your test • Avoid weekends and late drive “to evenings for the best service and attention. do” list • Ask about dealer-installed options that may have added thousands to the sale price. See if those options can be removed to lower the price. • Take a long test drive. Sit in the back seat, try all the options, and drive through residential areas as well as fast-moving highways. If you have young children, bring them along and see how well the entire family fi ts. • Above all else, don’t buy the fi rst car you fi nd. There are thousands of vehicles for sale and there is more than one that’s right for you

10 FOCAL POINT

The pros and cons of credit card balance transfers. Having debt isn’t always Pros Cons a bad thing, but if you’re 1. Lower interest rate. Zero percent 1. High interest fees. If you don’t feel hardly putting a dent in interest means your entire payment confi dent you can pay the full balance your debt due to high goes towards principal, giving you when the low interest promotional period interest rates or fees, a break from the interest that’s ends, you could be hit with rates that are added to your balance. Some off ers unusually high. Many card carriers don’t it might be time to take typically defer interest between three off er low or zero interest for the life of the advantage of a balance and 18 months. This would allow you loan. transfer with a lower to take a real bite out of your debt and make progress toward getting 2. Transfer fees. Most balance transfer interest rate. rid of it, as long as you don’t add off ers charge a minimum of 3-5% of the Transferring your credit card more to the card. balance you’re transferring. Just be sure debt to a card that includes a to do the math on what you expect to pay low introductory or zero percent 2. It’s convenient. A balance over time on your current card versus the interest rate period can often help transfer lets you consolidate the balance transfer fee. balance on several diff erent cards you pay down your debt faster. 3. You need excellent credit. If you’re However, be sure to understand into one, decreasing the number of your monthly payments. This could considering a transfer, know that you often all the details and do the math to need to have a credit score of at least 700. see if you’ll really save. Consider really make it easier to get control these pros and cons: over your debt. If you’re sinking in credit card debt 3. It’s motivational. Taking this but don’t think a balance transfer is for you, signifi cant step toward paying down we can help! A personal loan might be a your debt may motivate you to be solid fi rst step toward debt freedom. Call, smarter about borrowing and help click, or stop by a branch today to hear you develop more careful spending about our competitive rates and options. habits.

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Service Kudos NIAA title sponsorship DUSTIN F. Excellent service from beginning to end. We went through a builder in Las Vegas and after being treated poorly from an in-house lender, we chose to shop around credit unions in LV. Kenneth Hughes was recommended to us from a friend and he offered the best interest rates we could find based on our credit and the great service we were looking for.

Cappy Hour One Nevada proudly sponsored Communities in Schools of Western Nevada’s 3rd Annual Cappy Hour fundraiser held at Dolan Lexus in Reno, 4A Girls NIAA/One Nevada State Champions Centennial Bulldogs Nevada. The heartwarming, fun-filled event raised awareness and revenue to support more than 4,300 of Washoe County School District’s most underserved students. The organization’s goal is to prevent high school students from dropping out by giving students school supplies and having coordinators inside schools that assess the needs and deliver necessary resources to students. We are proud to help this organization remove barriers so Nevada students can succeed.

4A Boys NIAA/One Nevada State Champions Bishop Gorman Gaels

In March, we proudly announced our partnership with the Nevada Shred events Interscholastic Activities Association (NIAA) at the NIAA/One Nevada State Basketball Championships held in Las Southern Nevada Vegas at the Orleans Arena. May 3, 2019 The four key elements of the Durango/95 Branch sponsorship include One Nevada as NIAA’s Title Partner, giving us 10am – 1pm Bart Thompson, Executive Director presence at all sanctioned high school Donations: Make-A-Wish of NIAA, and Paul Parrish, CEO of events and activities; the introduction One Nevada of the One Nevada Cup, an elite Northern Nevada sportsmanship award; Title Sponsor of the NIAA’s Top 10 Student Athlete Awards offering $20,000 in scholarships annually, and Title Sponsor of May 31, 2019 the NIAA Student Financial Well-Being program where we’ll offer tools, Damonte Ranch Branch advice, and expertise to help students and their families build lifelong 10am – 2pm financial well-being. One Nevada is proud to support the NIAA, a non-profit organization Donations: SPCA of that serves as the governing body for all Nevada high school Northern Nevada athletics and activities. The NIAA conducts 220 Regional and State Championships annually across numerous sports activities participated in by 42,000 student athletes.

onenevada.org | Q2 2019 12 FOCAL POINT Employee Focus

Did you know? Roger White Real Estate Loan Officer — 702-948-5499 Tell us about your position and how long you’ve How long do bills last? been with the credit union. I am a real estate loan officer. I specialize in doing home loans for purchases and refinances.. IveI’ve been with tthehe credit union for just over ten yearsyeae rs now. What are the basic steps of gettinggeetting a mortgage through One Nevada?da? It’s easier than most people think.hink. We take a loan application over ttheheh phone, in person, or online andnd review what you’re looking to accomplish, whether it be a refinance or prequalify to purchase a new home. We review your credit and employment history in order too find the best loan options. What sets One Nevada apartt from other mortgage lenders?s?? Exceptional service is always a must at One Nevada. My colleagues and I truly care aboutbouo t getting members the best dealal on a home loan. Our processing,ingn , underwriting, and closing departments are all in one place,ace, which really helps the processs move A U.S. $1 or $10 bill lasts for an average of 18 months. Five efficiently. Most lenders don’t hahhaveve dollar bills last around ﬁ fteen months, and twenties kick the luxury of being able to walkalkl A around for two years. The larger denomination bills can last over and talk to their processororo oorr up to eight years! underwriter like we do. Good thing that the average coin lasts for 25 years, since new Rates and fees can differ byy thousands of dollars when pennies cost over 1.67 cents each to make. comparing other mortgage companies.omo panies. The average bill is meant to take up to 4,000 folds in each direction Our rates and fees are typicallyllyl tthehe llowestowest before it rips. Why’s it so strong? Currency paper is 25% linen, making it around. I can say that with confidence,onfn idence, rip-resistant. because I have competed againstaiinst otothertheh r 95% of bills are printed just to replace damaged ones that had to be loan estimates from financial institutions all over the country. Our mortgage department is proud taken out of circulation. In 2007, 45.5% of the notes printed were of our reputation for having the lowest rates and $1 notes, since those ones get used and degraded most quickly. fees and best service around. Source: http://www.happyworker.com/magazine/facts/weird-and-wonderful-money- What’s the most rewarding part of your job? facts#money_histor. Helping change people’s lives. Whether it’s walking a first time homebuyer through the process and helping them obtain their first home or assisting members to upgrade to their dream home. We also help people refinance their mortgage saving them hundreds of dollars with a lower interest rate or helping them access their home’s equity. Some people refinance to do home improvements they have dreamed of. It’s always a great feeling to know I’ve helped assist them accomplish life changing goals. What do you like to do in your free time? On my days off I really enjoy being outside. On the weekends, you will probably find me hiking, mountain biking, snowboarding, and maybe attending an occasional Vegas Golden Knights hockey game. Go Knights Go!

13 South 702-457-1000 | North 775-827-3880 | Q2 2019 Let’s do a checkup.

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702-641-4341 onenevadainsurance.com [email protected]

Auto – Home – Life

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. 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. 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 onenevada.org One Checking® Rewards— Primary—Smart, simple savings. Auto—New, used and refi nance. Tons of free services, earn Southern Nevada branches unlimited cash back on debit Special Share—Save for a special Home Loans—First, second, home 12 in Southern Nevada, full branch listing at card transactions, $5 monthly occasion such as a wedding, equity and home equity lines of OneNevada.org. fee. anniversary or vacation. credit. All branches except Nellis AFB, Share Certifi cates—Federally Personal—Signature, emergency, One Checking®—Tons of M – F, 10:00 a.m. – 6:00 p.m. insured with terms from 3 months to lines of credit, share secured and free services, no monthly Nellis AFB, M – F, 9:00 a.m. – 5:00 p.m. fee with 15 signature debit 4 years, $1,000 minimum balance. credit builder. card transactions per month MoneyMaker—Flexible and Business—Specializing in Northern Nevada branches or $2,000 in average daily federally insured savings at commercial real estate lending. Two in Northern Nevada, full branch listing at balance. competitive rates. OneNevada.org. VISA® Credit Cards—Low-rate, MyChecking—Free youth Preferred Money Market—Earn low-fee Signature card with CU All branches, M – F, 10:00 a.m. – 6:00 p.m. account for ages 15–17, tons of a higher rate if you have a Rewards™ and cash back options free services. relationship with our Investment available. Extended contact center hours Group. Essential—Free account for Advance Pay Short Term Loans— M – F, 9:00 a.m. – 9:00 p.m. lower-income members, tons IRAs—Roth, regular and Coverdell Borrow up to $1,500 for two of free services. Educational IRA options available weeks for less than the other guys. Saturday, 10:00 a.m. – 9:00 p.m. with Share Certifi cates and MoneyMaker. Sunday, 10:00 a.m. – 6:00 p.m. * ** ATM Locations Insurance Investments Remote banking 44 One Nevada ATMs in Nevada, full ATM Auto—We shop multiple 401K Rollovers—Many IRA rollover services listing at OneNevada.org. carriers to fi nd you the best options available. Mobile Apps—Manage your rates. Annuities, Mutual Funds and account with your smartphone or Over 46,000 fee-free Allpoint ATMs – visit Home—We’ll get you all the Brokerage Accounts—Get income tablet, pay bills, deposit checks or allpointnetwork.com or our app to find ATMs protection you need. you need for retirement. send money. near you. Life—Term, whole and Financial Planning—Local Allpoint ATMs—Enjoy 46,000 Lost/stolen cards mortgage protection. representatives are ready to fee-free ATMs nationwide. To report lost or stolen credit cards: personally assist you and your Ca$h Perks—Get rewards based on (800) 449-7728 Renters—Protects your personal family’s needs. property and provides liability where you shop everyday with your debit or credit card. To report lost or stolen debit cards: protection. Retirement Planning—We’ll help (800) 528-2273 you plan income strategies and KeepTrack®—Pull all of your outside AD&D—Covers you in the event inheritance strategies. of death or loss of a limb, sight, accounts right into your One 24-hour debit card help fraud / disabled Nevada online banking account. Visa Debit Card: (866) 664-9364 speech or hearing due to an **Non-deposit investment products and accident. services are off ered through CUSO Financial Online Banking—View your Bill pay support Credit Life & Disability—Pays Services, L.P. (“CFS”), a registered broker- accounts, transfer funds, apply for dealer (Member FINRA/SIPC) and SEC loans and more. Metavante Corporation: (866) 873-9580 off your loan in the event of Registered Investment Advisor. Products death, makes your payments in off ered through CFS are not NCUA/NCUSIF Online Bill Pay—Pay bills online for Mobile banking apps the event of a disability. or otherwise federally insured, are not free. Apple App Store: guarantees or obligations of the credit union, Search “One Nevada Credit Union” Umbrella—Get liability and may involve investment risk including E-Statements—Save paper and coverage above the limits of possible loss of principal. Investment postage. your auto and home policies. Representatives are registered through CFS. Google Play Store: One Nevada Credit Union has contracted Social Media—Keep in touch with Search “One Nevada Credit Union” Guaranteed Auto Protection— with CFS to make non-deposit investment the credit union via Facebook, Helps cover the diff erence products and services available to credit union members. Twitter and other online sites. Holiday closings between the balance of your • May 27 – Memorial Day loan in an emergency. Account Alerts—Sign up for text or • July 4 – Independence Day e-mail alerts for information about *Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One your account. Nevada Credit Union. Property, casualty and life insurance off ered through One Nevada Insurance Services. IMPORTANT DISCLOSURE: To off er 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.