Cover photo by John Gurzinski SEE STORY PAGE 7-8 point focal

Don’t let the auto process CONTENTS Fellow member-owners: NEW Innovations in Banking We’ve been working hard with Page 3—4 ongoing efforts to provide the Drive You Crazy! latest in service and digital Trending delivery. Just this year we’ve Page 5 already added the ability to access your credit score and Invest monitor your credit for free. Page 6 Simply log in to your account and click “Credit Score.” Member Profile Also, we added the capability to “turn off” your debit John Gurzinski card to prevent misuse. When you’re not using your Photojournalist card, use our app and turn it off, and when you want Page 7–8 to perform a transaction, simply turn it back on. This feature is coming soon for credit cards. Mortgage Programs Page 9–10 We’ve also extended our contact center hours. We know that being able to contact us after hours and Borrow on weekends is important. We also know that when Page 11 you call, you want to speak with us, not someone in a foreign country. Our -based contact center is Serving the Community now staffed Monday through Saturday 10:00 a.m. – Page 12 9:00 p.m. and Sundays 10:00 a.m. – 6:00 p.m. Did You Know? Enhancing your member experience is an ongoing, Employee Focus top priority for us. Page 13

Thank you for your membership.

Bradley W. Beal, President/CEO

Focal Point is produced Send comments and quarterly by One Nevada suggestions to: as a service to our One Nevada members. The goals of We’re the Sane Choice for a New or Used Auto Loan. Focal Point FOCAL POINT STAFF this magazine are to 2645 South Mojave Road With rates as low as 2.99%* and no payments for inform you about our Jennifer Salvador, AVP MARKETING Las Vegas, NV 89121 90 days for qualified borrowers, we offer monthly products, provide financial Jake Ludens, AVP MARKETING education and present [email protected] terms up to 75 months for new vehicles and 60 topics important to you. For address corrections, Lisa Jansen, AVP MARKETING — NORTHERN NEVADA months for used. You could save hundreds versus please speak with a Financial DIGITAL MEDIA STRATEGIST dealership financing. In fact, we saved Nevadans Jara Pearson, Copyright ©2017. One Nevada Service Representative or Contact us today! Credit Union. All rights reserved. call us. SR DIGITAL CONTENT DESIGNER over $10 million in auto loan interest the past few Corey Scribner, Reproduction, in whole or in part, To find a branch in your area, years by refinancing higher rate . (800) 388-3000 | OneNevada.org Greg Pace, SR GRAPHIC DESIGNER without written permission is prohibited. Federally insured by go to OneNevada.org or *APR is annual percentage rate and is quoted “as low as” based on individual creditworthiness. NCUA. Equal Housing Lender. download our mobile app. point focal Launch! New Website and Digital 54 3 2 Enhancements Coming Soon!

n our ongoing effort to enhance the One Nevada member WEBSITE ONE CHECKING® REWARDS DEBIT CARD CONTROLS CREDIT SCORE ACCOUNT TO You can now prevent unauthorized Thousands of members are already experience, we’re launching Our new website is scheduled to REDEMPTION ACCOUNT TRANSFERS transactions by turning your debit using our SavvyMoney credit score products and digital enhancements be released this summer. Built for Members with a One Checking Also coming soon is the ability to transfer card on and off with our mobile app. product when they log in to their to better serve you. Our goal is better displaying and capability Rewards account enjoy unlimited funds to and from an outside bank or Set locations and merchant types to accounts. You can track your credit toI provide you all the features and on smartphones and tablets, the cash back on signature-based debit credit union with your credit union lock down where and how your card score over time and sign up for credit functions you’ll ever need to manage new site will allow you to get the card transactions. You’ll soon be able account. This allows you the ability to pay can be used. controls are monitoring and alerts. We will notify your account remotely if you don’t information you need fast and to to redeem your cash back through loans from an outside funding source and coming soon! you when your score changes or want to visit a branch. take action on your terms. Apply for our mobile app and online banking. it is perfect for money management and when a new account is opened in loans, open accounts and more! Redeem your cash on the go! account maintenance. your name. 3 4 TRENDING INVEST

NEW Anti–Skimming Technology Achieving Financial Balance—Hummm At ONE NEVADA, WE CARE ABOUT YOUR FINANCIAL WELLNESS, that’s why we’ve partnered with industry-leading financial educator, BALANCE, to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget for managing your spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help. The best part is, it’s free! onenevada.balancepro.org/programs

ver the course of the next few months, the credit union is implementing anti-skimming card readers on O various ATM machines. The new card readers require you to insert your card’s long edge into the machine instead of the traditional, short edge way. A reader scans the card across the magnetic strip. By shifting the card’s angle 90 degrees, this technology prevents all modern skimming devices from reading the card’s full magnetic stripe and thwarts the fraudsters attempt to steal your card data. Insert your card’s long edge.

5 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q3 2017 ONENEVADA.ORG | Q3 2017 6 FOCUS JOHN GURZINSKI photographer and quickly became the Photo Q: What do you feel has been your biggest each image conveyed the idiom Las Vegas we have many members Editor. From there, I worked part-time for the accomplishment or best work thus far? “A picture is worth a thousands words.” of the military deployed overseas Las Vegas Sun and was a stringer for (UPI) A: My personal favorite was an in-depth The images were awarded first place in who have died in combat. Things United Press International. I’ve also been a story where I had the privilege to the Nevada Press Association Photos of can get stressful and emotional for Photo Editor for the Henderson Home News, photograph and interview a group of the Year—Portraiture category. me covering families that are affected. worked for The Las Vegas News Bureau young men resettled in Las Vegas and and was a photographer for the Las Vegas were part of the thousands who fled Q: What is your favorite subject matter to Q: Who’s your favorite client to work for? Review Journal for 18 years. Currently, I am war-torn Sudan. They were called “The photograph? A: I have been privileged to be AFP’s ringside a Freelance Photojournalist working with Lost Boys of Sudan.” The story told itself A: I love shooting anything weather related, boxing photographer in Las Vegas for Q: Tell us about yourself and what led you to a wire agencies, (AFP) Agence France-Presse, through their eyes and experiences. Every particularly lightning. Wild horses and over 20 years. career in photography? (AP) Associated Press and Getty Images, person had scars and injuries, and they Bighorn Sheep are a favorite. It takes a A: Growing up in an Air Force family we were covering news, sports and entertainment were very guarded with their trust. After lot of patience. Implosions are amazing Q: What photographers have influenced assigned to bases around the world, it was like assignments. I also have corporate clients. two days with them in their apartment, and exciting to cover and a bit nostalgic, you? having a two-year vacation every move. Like learning and listening, they opened up especially here in Las Vegas. A: James Nachtwey, Henri Cartier-Bresson, any tourist, I started taking photos wherever we Q: What’s the most rewarding part of your job? and allowed me to do a series of portraits. Margaret Bourke-White and Robert Capa. lived, capturing memories for my scrapbook. I A: Every day assignments give me opportunities Most had facial scars. As I shot, we talked Q: What are the most difficult assignments took my only formal photo class in high school; to meet and interact with new people and about how the injuries were caused to shoot and why? Q: What tips would you offer to a budding a darkroom class about processing and printing cover important events. It is a constant while each person’s face and eyes told an A: When you have to interview the family of photographer? MEMBER black & white images and I was hooked. learning experience and no two days are the emotional story as they reflected on their a child harmed from any type of accident A: Get up close, never use a flash unless same. It allows me to work in the field, not journey. The portraits were amazing and or similar situation, it is very difficult. In absolutely necessary. Look for creative I attended UNLV after moving from Virginia to in an office environment and the access to angles and unique viewpoints and Nevada. I joined the student newspaper as a cover events up close. capture spontaneous moments. Never give up. Assignments will become almost routine, so its up to you to see it differently. Assignments I thought would be mundane ended up being some of the best ones, so keep an open mind, you ABOUT JOHN never know what might happen. Member since 1978 (that year he got SEE JOHN’S PHOTOGRAPHS AT: his first auto loan for a 1973 Nova SS) www.lasvegasphotography.com Favorite thing about the Credit Union Anytime I need help I just make a phone call, most of my needs are handled this way, its easy. Customer service at the Pearl branch where I usually bank is great and I have become quite friendly with many of the financial representatives.

John has been a photographer France Presse since 1992. John’s since he was 10 years old and a images of the Las Vegas area and Photojournalist since 1978. As a Boxing have also been featured in twenty-year veteran photographer, several book projects. based in Las Vegas, he specializes John enjoys fly fishing and in photojournalism, editorial growing all kinds of veggies in his and stock photography as well garden boxes. He has a passion for as entertainment, conventions, extreme weather and every Spring corporate, publicity and advertising. he travels to Tornado Alley in search Hailing from a military family, of tornados, lightning and other John developed an interest in weather events. During the chase covering Nellis A.F.B. air shows and season he is a Storm Spotter with firepower demonstrations as well as Skywarn for NOAA (National Oceanic Red Flag and other events. His work and Atmospheric Administration). has been featured worldwide in such publications as Sports Illustrated, the New York Times, U.S. News and Time Magazine. He has covered all major boxing events ringside for Agence

7 Photo by John Gurzinski 8 point point focal

focal Come On In! MORTGAGE PROGRAMS BUILT TO MEET YOUR NEEDS.

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TM One Nevada can help Whether you’re a first-time homebuyer or Home Is Possible Our Mortgage Credit Certificate With a New Start Mortgage, we make For complete program details and you’ve been affected by the recession and TM program helps first-time homebuyers buying a home possible again for The Home Is Possible program qualifications or to apply for any make your dreams need a little help, we can take some of the offers thousands in bonus money and qualified veterans save around members who have been affected by $ of these programs, call us today! to buy a home a burden off with these helpful programs. to put toward a down payment 2,000 in federal taxes every year of the economic recession. Purchases and or closing costs. Our Home Is the loan. refinances allowed with maximum $ reality with several The Nevada Housing Division has introduced Possible For HeroesTM program helps loan amount of 300,000 at 80% Las Vegas: (702) 382-4094 some great homebuyer programs that offer veterans be at home in Nevada New Start Mortgage LTV. A minimum FICO score of 580 Reno/Sparks: (775) 225-5426 If the recession made it hard for you mortgage options for opportunity, savings and yes, bonus money for less. Our Home Is Possible For with homeowner credit counseling to keep up with your mortgage in to low and middle income Nevadans. One TeachersTM program gives K-12 completion required. Federally insured by NCUA. Equal Housing Lender. you to choose from. the past and you’ve had a short sale, Compiled from information believed to be accurate Nevada is now participating in the Home is teachers in Nevada $10,000 in as O7/3/17, but not guaranteed. Individual cases vary. TM bankruptcy or foreclosure, we may be Possible programs. So what’s the catch? bonus money for a down payment. Call to discuss your specific circumstances. There isn’t one. able to help you buy again. 9 10 BORROW SERVICE KUDOS

AMY S. Plan Your Escape—then Get Away! N. Decatur Branch is Money! I saw Blanca last Friday to open a new account. She made things so quick and easy and made sure I got what I needed for my small business. The location is super convenient and the staff are kind. Blanca Ramirez was so sweet and helpful, give her a call!

Moms on the Run – One Nevada was proud to ooking for a way to get through summer with a little less participate in the 17th Annual Pinocchio’s Moms on the Run 5K Walk ‘N Talk held on Mother’s Day at Idlewild stress on your finances? A personal loan can give you the Park in Reno. Twenty “Pink Team” members from One freedom to plan that family vacation you’ve been putting Nevada participated. All funds raised will assist patients off for years due to a tight budget. with everyday living expenses while in treatment for L breast and gynecological cancers. With a One Nevada Personal Loan, you can borrow as little as $1,000 or up to $10,000 for 12 to 36 months at a very competitive rate of just 9%.** APR* That’s better than most Tim Mullin, Center Director USO Las Vegas. The credit union matched Tim’s efforts and donated $1,500. credit cards! Whether it’s a vacation, a wedding dress or a new computer you’ve been fantasizing about, quit dreaming and start planning today.

Call us or apply (800) 388-3000 Morning Pledge – One Nevada proudly sponsored the online today! onenevada.org/loans/personal-loans Morning Pledge series on KOLO News 8 in honor of all military personnel. Every Thursday and Friday morning during the school year, a segment featuring local school *APR = Annual Percentage Rate. **9.00% rate is variable at 5% over Prime Rate, adjusted quarterly, not to exceed 18% Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change without notice. children saying the Pledge of Allegiance aired during the morning news. Bucky looking good at the N. Decatur branch opening. Our Shred Events continue to support our community.

veryone had a great time at wide shred event on Friday with donations Your Auto, Home & Life Insurance Specialists. our Grand Opening and ribbon supporting HELP of Southern Nevada, cutting ceremony April 17 Shannon West Homeless Youth Center. E through April 21, celebrating our One Nevada invited Tim Mullin, Center newest branch at 6241 N. Decatur Blvd. Director USO Las Vegas, to start the fun The week was filled with fun festivities at in the money machine grab. The credit the branch including a prize wheel with union matched Tim’s efforts and donated Food Truck Fridays – Billed as one of the Nation’s top 10 free giveaways, entries for a chance to grab $1,500 to the USO Las Vegas. Additional largest weekly food truck events, it runs every Friday, Call (800) 388-3000 cash in the Money Machine, win a Weber Money Machine winners included Ollie K., May 19th to September 29th, from 5:00 p.m. to 9:00 for more information. Grill and free shaved ice from Oso Ono. The who grabbed $550, Jamie H. $120, Ronald P. p.m. It’s the place to be in Reno during the summer. week concluded with a free community- $248, Mayli A. $460 and Keith W. $133. Each week over 35 food, dessert and drink vendors serve gourmet street food. Stop by our One Nevada tent to 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. meet our staff and take a photo with the furry blue 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. Nevada frame and other props for fun prizes. 11 ONENEVADA.ORG | Q3 2017 One Nevada is there each week as a proud sponsor! 12 Work for the DID YOU KNOW? EMPLOYEE FOCUS Pamela Adams Best of the Best! Financial Service Representative, Reno Branch Show me the $! 11 years with One Nevada Credit Union. What positions have you had at the credit union? 7 ½ years as a Team FSR in Las Vegas (traveling from branch to branch, including the Contact Center & Teller line) then I moved to Reno four years ago. What’s the best part about working for the credit union? The members. I enjoy talking with our members, finding out their needs, then assisting them with products and services that will meet their needs. You are known for a very specific catch phrase greeting, what is that and where did it come from? “Hey, Baby!” When I first started in this industry, I worked at a bank on a large military base in North Carolina. Since I would recognize the customers, but not their names, I would WHO WOULDN’T WANT TO WORK FOR ONE OF THE BEST PLACES TO WORK IN AMERICA? acknowledge them with “hey, baby!” until they presented me If you want to work with a team of skilled professionals who work together as a family of financial ou see it everywhere in the United States and it drives all aspects with their identification. Then I experts, we are the employer for you. We offer competitive salaries, comprehensive benefits and of our economy. It is also the source of too many emotions to would call them by their name, advancement potential in a positive, supportive and professional atmosphere. At One Nevada, our count. We are talking about the dollar sign ($), but where did it plus it always brought a “smile” to my customers. dynamic, motivated and highly-skilled staff are proud to serve our members. We are continually come from? The origin is the subject of debate. The most widely Y What is the most significant change seeking enthusiastic and talented individuals to join our growing team. accepted thought about the origin of the dollar sign is that it was used to that you’ve experienced over the years? Technology. note Spanish and Mexican pesos or “P’s” as they were called. This was well When I started, there were no computers, no social For more information and to view additional positions, visit us at onenevada.org/careers. before the first U.S. paper dollar was issued in 1875. network, no direct deposit. Just a “hey, baby,” a teller stamp, 10 key adding machine and a drawer full of Financial Services Insurance Agent Licensed Agent/Realtor Collector money. One thing that you may not have noticed is that the dollar sign actually does Representative Provide quality service to Represents Buyer and Responsible for What do you think sets ONCU apart from other Performs all loan all customers/members, Seller members of One controlling, collecting, not appear on any pieces of U.S. currency. financial institutions? Our members. They appreciate the personal service. Our team spends time talking interviewing and generate new business Nevada Credit Union as communicating, with the members and making sure they understand processing, new by soliciting and quoting well as outside clients. and skip tracing on the product or service they are planning to invest accounts, paying/ coverages for auto, delinquent loans for in (loan; personal account; credit card; insurance; receiving member home, liability and other One Nevada Credit investments). We also offer products that will help transactions, greets and applicable insurance Union. our members re-establish their credit, something not offered by our banking neighbors. directs members, and products. All candidates You’re not ordinary. cross-sells Credit Union must possess a Property WHY SHOULD YOUR CREDIT CARD BE? What keeps you so loyal to the credit union? The entire ONCU staff. What a wonderful group of people products and services. & Casualty license. Design your own credit card to work with… Love ya, Baby! It’s free for your first Do you have any memories from your first few days card. Log in to online on the job? I had moved from Colorado, and at the banking and make time I started, I still had not established friendships. your unique credit When I started with One Nevada Credit Union, I card today. felt the warmth, patience and understanding from my mentor Ann McMahan. From there, I developed friendships within the Credit Union that still remain.

13 SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q3 2017 OneNevada.org/careers 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. Now Open! transactions per month or Share Certificates—Federally $2,000 in average daily balance. insured with terms from 3 months Business—Specializing in N. DECATUR/I-215 BRANCH 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 Essential—Free account for competitive rates. with CU Rewards™ and cash back options available. Northern Nevada Branches lower-income members, tons of Preferred Money Market—Earn a free services. Two in Northern Nevada, full branch listing higher rate if you have a relationship Advance Pay Short Term Loans— at OneNevada.org. with our Investment Group. Borrow up to $1,500 for two weeks for less than the other guys. IRAs—Roth, regular and Coverdell All branches, M – F, 10:00 a.m. – 6:00 p.m. Educational IRA options available with Share Certificates and Contact Center Hours MoneyMaker. M – F, 8:00 a.m. – 5:00 p.m. Wednesdays, 8:30 a.m. – 5:00 p.m. Insurance* Investments** Remote Banking Saturday 10:00 a.m. – 9:00 p.m. Sunday 10:00 a.m. – 6:00 p.m. Auto—We shop multiple carriers 401K Rollovers—Many IRA rollover Services to find you the best rates. options available. Mobile Apps—Manage your ATM Locations Home—We’ll get you all the Annuities, Mutual Funds and account with your smartphone or 44 One Nevada ATMs in Nevada, full ATM protection you need. Brokerage Accounts—Get income tablet, pay bills, deposit checks or listing at OneNevada.org. you need for retirement. send money. Life—Term, whole and mortgage Allpoint ATMs—Enjoy 46,000 Over 46,000 fee-free Allpoint ATMs – visit protection. Financial Planning—Local allpointnetwork.com to find ATMs near you. representatives are ready to fee-free ATMs nationwide. Renters—Protects your personal personally assist you and your Ca$h Perks—Get rewards based Lost/Stolen Cards property and provides liability family’s needs. protection. on where you shop everyday with To report lost or stolen credit cards: Retirement Planning—We’ll help your debit or credit card. (800) 449-7728 AD&D—Covers you in the event you plan income strategies and KeepTrack®—Pull all of your of death or loss of a limb, sight, inheritance strategies. To report lost or stolen debit cards: speech or hearing due to an outside accounts right into your (800) 528-2273 accident. One Nevada online banking **Non-deposit investment products and account. 24-Hour Debit Card Help Fraud / Disabled services are offered through CUSO Financial Credit Life & Disability—Pays off Visa Debit Card: (866) 664-9364 your loan in the event of death, Services, L.P. (“CFS”), a registered broker-dealer Online Banking—View your makes your payments in the (Member FINRA/SIPC) and SEC Registered accounts, transfer funds, apply for Investment Advisor. Products offered through loans and more. Bill Pay Support event of a disability. CFS are not NCUA/NCUSIF or otherwise Metavante Corporation: (866) 873-9580 Umbrella—Get liability coverage federally insured, are not guarantees or Online Bill Pay—Pay bills online obligations of the credit union, and may for free. above the limits of your auto involve investment risk including possible loss Mobile Banking Apps and home policies. of principal. Investment Representatives are E-Statements—Save paper and Apple App Store: registered through CFS. One Nevada Credit postage. Search “One Nevada Credit Union” 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 Google Play Store: between the balance of your available to credit union members. the credit union via Facebook, Search “One Nevada Credit Union” loan in an emergency. Twitter and other online sites. *Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Holiday Closings Account Alerts—Sign up for text • September 4 – Labor Day 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.