Home Residence Loan Rates*

Rates & Disclosures - Rates effective 06/29/2015.

5/1 Variable APR 15, 20, and 30 Year
Amount APR Range Monthly Payment
(Per $1,000 borrowed)
$10,000 - $29,999 3.91% - 4.53% $4.72
$30,000 - $49,999 4.11% - 4.53% $4.84
$50,000 - $199,999 3.65% - 4.32% $4.57
$200,000 - $416,999 3.54% - 4.11% $4.51
$417,000+ 3.79% - 4.34% $4.65
Sample payments based on 30 year term, loan-to-value of 80%, and does not include amounts for taxes and insurance. Your actual payment may be higher.
10/5 Variable APR 15 Year
Amount APR Range Monthly Payment
(Per $1,000 borrowed)
$10,000 - $29,999 4.24% - 4.79% $7.52
$30,000 - $49,999 3.74% - 4.29% $7.27
$50,000 - $99,999 3.24% - 3.79% $7.02
$100,000 - $416,999 2.99% - 3.54% $6.90
$417,000+ 3.24% - 3.79% $7.02
Sample payments based on 15 year term, loan-to-value of 80%, and does not include amounts for taxes and insurance. Your actual payment may be higher.
10/5 Variable APR 20 Year
Amount APR Range Monthly Payment
(Per $1,000 borrowed)
$10,000 - $29,999 4.70% - 4.95% $6.43
$30,000 - $49,999 4.70% - 4.95% $6.43
$50,000 - $199,999 4.58% - 4.95% $6.37
$200,000 - $416,999 4.48% - 4.95% $6.32
$417,000+ 4.70% - 4.95% $6.43
Sample payments based on 20 year term, loan-to-value of 80%, and does not include amounts for taxes and insurance. Your actual payment may be higher.
Fixed APR 7 Year
Amount APR Range Monthly Payment
(Per $1,000 borrowed)
$10,000 - $29,999 4.16% - 5.02% $13.74
$30,000 - $49,999 4.57% - 5.02% $13.93
$50,000 - $199,999 4.06% - 4.84% $13.70
$200,000 - $416,999 3.92% - 4.51% $13.63
$417,000+ 4.17% - 4.72% $13.75
Sample payments based on 7 year term, loan-to-value of 80%, and does not include amounts for taxes and insurance. Your actual payment may be higher.
Fixed APR 10 Year
Amount APR Range Monthly Payment
(Per $1,000 borrowed)
$10,000 - $29,999 4.56% - 5.25% $10.39
$30,000 - $49,999 4.85% - 5.25% $10.53
$50,000 - $199,999 4.28% - 5.00% $10.26
$200,000 - $416,999 4.15% - 4.73% $10.20
$417,000+ 4.40% - 4.95% $10.32
Sample payments based on 10 year term, loan-to-value of 80%, and does not include amounts for taxes and insurance. Your actual payment may be higher.

*Important Details and Terms

Subject to credit approval. Property must be owner occupied, primary or secondary; vacation included, no rentals. Property insurance required. Maximum APR not to exceed 15%. Lowest Annual Percentage Rates include 0.25% discount for auto-payment from a Nevada State Bank deposit account. 5/1 variable APRs fixed for the initial 5 year period and reset every year thereafter based on the 1 Year LIBOR/Swap index with the rate equaling the margin plus the index. Rate cap of 2.00% at each adjustment period. 10/5 variable APRs fixed for the initial 10 year period and reset every 5 years thereafter based on the 5 Year LIBOR/Swap index with the rate equaling the margin plus the index. Rate cap of 6.00% at each adjustment period. Rate may increase after consummation. Your APR will be based on information specific to your request including credit history. Other terms and conditions apply. Other plans are available. Contact bank for details.


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