Loan Rates

Rates & Disclosures - Rates effective 4/14/2014.

Home Equity Credit Line:

  Loan Amount Rate APR
Variable* $5,000 and over 3.25% 3.25%
Notes: * Credit approval required. No setup fees. The ANNUAL PERCENTAGE RATE (APR) will be Prime plus 0%. The rate is variable and subject to change monthly. The rate will be based on the NSB 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 3.25% APR as of 4/7/14. The maximum APR is 25%. Floor rate of 3.25% APR. 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:

  Loan Loan To
2nd Lien
  Amount Value Rate APR
Fixed Rate
$10,000 and over 0-80% 7.47% 7.47%
Variable** $10,000 and over 0-80% 6.21% 6.21%
**The ANNUAL PERCENTAGE RATE (APR) is variable and subject to increase after consummation and is based on an interest rate index which is the last Wednesday of the previous month closing rate for the 5-year LIBOR/Swap rate plus a margin. Effective with applications received 1/10/14 there will be a rate cap of 2% at each adjustment period. Maximum APR 15%. 6.21% APR is available for terms up to 20 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, 20 year loan (240 monthly payments) at 6.21% APR, monthly payments would be $72.86. Some restrictions may apply, such as reconveyance fees, non-standard appraisal fees, etc. Fees will apply on rental property. 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.

Automatic payment deduction from a Nevada State Bank account is required to obtain lowest Annual Percentage Rates on the loan types listed below.

Home Residence Loan:

  Loan Rate APR
5/5 Variable Rate 15yr, 20yr, 30yr $10,000 - $29,999 4.21% 4.21%
$30,000 - $49,999 4.21% 4.21%
$50,000 - $199,999 3.82% 3.82%
$200,000 - $416,999 3.72% 3.72%
$417,000+ 3.97% 3.97%
10/5 Variable Rate 15yr, 20yr $10,000 - $29,999 4.91% 4.91%
$30,000 - $49,999 4.91% 4.91%
$50,000 - $199,999 4.73% 4.73%
$200,000 - $416,999 4.63% 4.63%
$417,000+ 4.88% 4.88%
Fixed Rate 7yr $10,000 - $29,999 4.82% 4.82%
$30,000 - $49,999 4.32% 4.32%
$50,000 - $199,999 3.82% 3.82%
$200,000 - $416,999 3.72% 3.72%
$417,000+ 3.97% 3.97%
Fixed Rate 10yr $10,000 - $29,999 5.18% 5.18%
$30,000 - $49,999 4.68% 4.68%
$50,000 - $199,999 4.18% 4.18%
$200,000 - $416,999 4.08% 4.08%
$417,000+ 4.33% 4.33%
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 last Wednesday of the previous month closing rate for the 5-year LIBOR/Swap rate plus a margin. No set up fees. Subject to credit approval. Based on a 5/5 ARM 30-year term 3.82% APR will be fixed for the first 5 years and can change every 5 years thereafter where the interest rate will be adjusted to reflect the then current 5-year LIBOR/Swap rate plus a margin. Effective with applications received 1/10/14 there will be a rate cap of 2% at each adjustment period. The 3.82% 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 $4.67 per $1,000 borrowed for loan amounts from $50,000 to $199,999. For other rates and terms on different loan amounts contact us for details. Rate subject to increase with a maximum APR of 15%. Borrower must carry property insurance, and may be required to purchase flood insurance. Some restrictions may apply.

Unsecured Personal Loan:

Loan Amount Fixed Rate APR range***
$1,000 - $4,999.99 as low as 11.75% 12.45% 20.46%
$5,000 - $9,999.99 as low as 10.75% 11.10% 18.47%
$10,000 + as low as 9.75% 10.09% 17.11%

Secured Personal Loan:

Loan Amount Term Fixed Rate
$5,000 and over Maturity date of the deposit account 3% over deposit Rate
Secured with Nevada State Bank CD or savings account.

New Auto Loan:

Model Year Loan Amount Fixed Rate APR Range***
2009 and newer $5,000 and over as low as 2.83% 2.99% 12.77%

Used Auto Loan:

Model Year Loan Amount Fixed Rate APR Range***
08 and older $5,000 and over as low as 5.25% 5.25% 12.77%

New RV Loan:

Loan Amount Fixed Rate APR Range***
$1,000 - $4,999.99 as low as 7.39% 8.07% 14.22%
$5,000 - $19,999.99 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 - $4,999.99 as low as 8.39% 9.39% 17.48%
$5,000 - $19,999.99 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; discount for auto-pay from a Nevada State Bank Account; $50 documentation fee ($75 documentation fee for auto loan) & 3 months no payments. Actual APR depends on credit score, term, documentation fee, amount of loan and auto-pay discount. All loans subject to credit approval, verification, and collateral evaluation. Call us for details.

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