Home Loans
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Home Equity Credit Line
|
| Variable Rate* |
Loan Amount |
Rate |
APR |
| up to $100,000 |
5.00% |
5.00% |
| $100,000 and over |
4.48% |
4.48% |
* Credit approval required. No setup fees. The APR will be Prime plus 0% (currently 5.00% APR) and is available for lower credit limits. For credit limits of $100,000 and greater the APR will be Prime minus 0.52% (currently 4.48% APR). These rates are based on amount of credit limit, are variable and subject to change monthly. These rates will be based on the prime rate, which is the published commercial loan rate index held by any two of the following banks: J.P. Morgan Chase and Company, Wells Fargo Bank NA and Bank of America, NA (if no two are alike, the median rate will apply). Prime rate is 5.00% as of 5/1/08. The maximum APR is 25%. The annual fee is $50.00 unless you draw on your line during the previous calendar year. If you terminate your Credit Line within two (2) years from the date of your Agreement, you may have to pay an Early Closure Fee of $500.00. A $30.00 fee applies on any check written for less than the minimum amount of $500.00. Borrower will be responsible for costs incurred to remove prior liens, property insurance will be required and you may be required to purchase flood insurance. Property value determined by the bank. Consult your tax advisor regarding the deductibility of interest.
Automatic payment deduction from a Nevada State Bank account is required to obtain lowest Annual Percentage Rates on the loan types listed below.
| Equity Access Loan |
| Fixed Rate | Loan To Value | Rate | APR |
| 0-80% | 8.74% | 8.74% |
| First trust deed plus amount of equity access loan not to exceed $400,000. |
| Variable Rate ** |
0-80% |
8.24% |
8.24% |
|
**The ANNUAL PERCENTAGE RATE (APR) is variable and subject to increase after consummation and is based on an interest rate index which is the month-end closing rate for the 5-year LIBOR/Swap rate plus a margin, with a maximum APR of 25% . 8.24% APR is available for terms up to 15 years and loans up to 80% loan-to-value (LTV), and based on 0.25% discount for auto-payment from a Nevada State Bank Account. Actual APR based on loan term, loan-to value, and auto-pay discount. Other rates and terms are available. No setup fees. On a $10,000, 15 year loan (180 monthly payments) at 8.24% APR, monthly payments would be $96.96. Some restrictions may apply, such as prepayment fee, reconveyance fees, non-standard appraisal fees, etc. Borrower must carry property insurance, and may be required to purchase flood insurance. Consult your tax advisor regarding the deductibility of interest. Subject to change without notice. Credit approval required. Call us for details.
| Home Residence Loan |
| | Loan Amount | Rate | APR |
| Fixed Rate | up to $250,000 |
7.32 |
7.32% |
| greater than $250,000 |
7.75% |
7.75% |
| Variable Rate | up to $250,000** | 6.74% | 6.74% |
| greater than $250,000† |
7.49% |
7.49% |
| Owner occupied single family homes with first trust deed. Variable rate is tied to 5 year LIBOR/Swap rate. |
** The ANNUAL PERCENTAGE RATE (APR) is variable, based on an interest rate index which is the month-end closing rate for the 5-year LIBOR/Swap rate plus a margin. No setup fees. Subject to credit approval. Based on a 30-year term, 6.74% APR will be fixed for the first 5 years. At the 61st, 121st, 181st, 241st, and 301st monthly payment, the interest rate will be adjusted to reflect the then-current 5-year LIBOR/Swap rate plus a margin. The 6.74% APR offer is based on: .25% discount for automatic payment deduction from a Nevada State Bank checking account; owner occupied property with an 80% or less combined loan-to-value (LTV); 360 monthly payments equal to $6.48 per $1,000 borrowed for loan amounts up to $250,000. For other rates and terms on higher loan amounts contact us for details. Rate subject to increase with a maximum APR of 25%. Borrower must carry property insurance, and may be required to purchase flood insurance. Some restrictions may apply, such as prepayment fee, reconveyance fees, non-standard appraisal fees, etc. Consult your tax advisor regarding the deductibility of interest. Subject to change without notice.
† The ANNUAL PERCENTAGE RATE (APR) is variable, based on an interest rate index which is the month-end closing rate for the 5-year LIBOR/Swap rate plus a margin. No setup fees. Subject to credit approval. Based on a 30-year term, 7.49% APR will be fixed for the first 5 years. At the 61st, 121st, 181st, 241st, and 301st monthly payment, the interest rate will be adjusted to reflect the then-current 5-year LIBOR/Swap rate plus a margin. The 7.49% APR offer is based on: .25% discount for automatic payment deduction from a Nevada State Bank checking account; owner occupied property with an 80% or less combined loan-to-value (LTV) based on loan amounts greater than $250,000; 360 monthly payments equal to $6.99 per $1,000 borrowed. For other rates and terms contact us for details. Rate subject to increase, with a maximum APR of 25%. Borrower must carry property insurance, and may be required to purchase flood insurance. Some restrictions may apply, such as prepayment fee, reconveyance fees, non-standard appraisal fees, etc. Consult your tax advisor regarding the deductibility of interest. Subject to change without notice.
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Personal Loans
| Unsecured Personal Loan |
| Loan Amount | Fixed Rate | APR range*** |
| $1,000 - $4,999 | as low as 11.75% |
12.45% |
20.46% |
| $5,000 - $9,999 | as low as 10.75% |
11.10% |
17.47% |
| $10,000 + | as low as 9.75% |
10.09% |
17.11% |
| Secured Personal Loan |
| Amount | Term | Fixed Rate |
| Balance of deposit account | Maturity date of the deposit account | 3% over deposit Rate |
| Secured with Nevada State Bank CD or savings account. |
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Vehicle Loans
| New Auto Loan |
| Model Year | Fixed Rate | APR Range*** |
| 2006 and newer (<$25,000) |
as low as 7.04% |
7.25% |
12.47% |
| 2006 and newer ($25,000+) |
as low as 6.79% |
6.86% |
12.33% |
| Used Auto Loan |
Model Year | Fixed Rate | APR Range*** |
| 04-05 |
as low as 7.64% |
7.90% |
12.52% |
| 02-03 |
as low as 7.89% |
8.23% |
12.60% |
| 01 and older |
as low as 13.75% |
14.26% |
14.51% |
| New RV Loan |
| Loan Amount | Fixed Rate | APR Range*** |
| $1,000 - $4,999 |
as low as 7.39% |
8.07% |
14.22% |
| $5,000 - $19,999 |
as low as 7.14% |
7.22% |
10.72% |
| $20,000 + |
as low as 6.89% |
6.95% |
10.20% |
| Used RV Loan |
| Loan Amount | Fixed Rate | APR Range*** |
| $1,000 - $4,999 | as low as 8.39% |
9.39% |
17.48% |
| $5,000 - $19,999 | as low as 8.29% |
8.40% |
12.69% |
| $20,000 + | as low as 8.18% |
8.27% |
12.34% |
*** Minimum ANNUAL PERCENTAGE RATE (APR) based on best credit score; 0.25% discount for auto-pay from a Nevada State Bank Account;$50 Loan Origination fee. Actual APR depends on credit history, length and amount of loan, and auto-pay discount. All loans subject to credit approval, verification, and collateral evaluation.
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Equal Housing Lender
