Loan Rates

Rates & Disclosures - Rates effective 03/30/2015.

Home Equity Credit Line1
Amount Variable APR
(with or without auto pay)
$10,000 - $24,999 NSB Prime Rate* + 1.25 (Currently 4.50%)
$25,000 - $74,999 NSB Prime Rate* + 0.25 (Currently 3.50%)
$75,000 - $149,999 NSB Prime Rate* + 0.00 (Currently 3.25%)
$150,000 + NSB Prime Rate* + 0.00 (Currently 3.25%)
Term: 120 month draw with 240 month repay.

*As published in the Wall Street Journal (Currently 3.25%).

1. Important Details and Terms

1. Subject to credit approval. Annual Percentage Rate (APR) is variable and subject to change monthly based on the Wall Street Journal Prime Rate (currently 3.25% as of September 15, 2014). Loan must be secured with a first or second lien position owner-occupied dwelling (vacation included). Property insurance required. Property value determined by lender. Maximum APR not to exceed 25%. Annual fee of $50.00 not charged if there has been a balance through one statement cycle in the previous 12 months. Early closure fee of $500.00 applies if closed within two (2) years. Account transaction fees could range from $20-$34. No set-up fees. Other terms and conditions apply. Other plans are available. Contact bank for details. No origination fees, closing costs or third-party fees apply.

Equity Access Loan2
Rate
Type
Amount Terms APR Range Monthly Payment
(Per $1,000 borrowed)
Fixed $10,000 + 120 months 6.24% - 7.00% $11.22 for 120 months
Variable $10,000 + 180 or 240 months 5.85% - 6.48% $7.08 for 240 months

Sample payments based on $65,000, loan-to-value of 80%, and does not include amounts for taxes and insurance. Your actual payment may be higher.

2. Important Details and Terms

2. Subject to credit approval. Loan must be secured with a first or second lien position owner-occupied dwelling (vacation included). Property value determined by lender. Minimum loan amount of $10,000. Property insurance required. Rate cap of 2.00% at each adjustment period. Maximum APR not to exceed 15%. Lowest Annual Percentage Rates (APRs) listed include 0.25% discount for auto-payment from a Nevada State Bank deposit account. Your APR will vary based on information specific to your request including credit history. Other terms and conditions apply. Other plans are available. Contact bank for details.

Home Residence Loan3
5/1 Variable APR 15, 20, and 30 Year
Amount APR Range Monthly Payment
(Per $1,000 borrowed)
$10,000 - $29,999 3.86% - 4.48% $4.70
$30,000 - $49,999 3.98% - 4.48% $4.76
$50,000 - $199,999 3.42% - 4.10% $4.45
$200,000 - $416,999 3.31% - 3.88% $4.38
$417,000+ 3.56% - 4.11% $4.52
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% - 4.78% $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 4.53% - 4.78% $6.34
$30,000 - $49,999 4.53% - 4.78% $6.34
$50,000 - $199,999 4.17% - 4.71% $6.15
$200,000 - $416,999 4.07% - 4.62% $6.10
$417,000+ 4.32% - 4.78% $6.23
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 3.98% - 4.84% $13.66
$30,000 - $49,999 4.39% - 4.84% $13.85
$50,000 - $199,999 3.83% - 4.61% $13.59
$200,000 - $416,999 3.69% - 4.28% $13.53
$417,000+ 3.94% - 4.49% $13.64
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 4.31% - 5.00% $10.27
$30,000 - $49,999 4.60% - 5.00% $10.41
$50,000 - $199,999 3.98% - 4.69% $10.12
$200,000 - $416,999 3.85% - 4.43% $10.05
$417,000+ 4.10% - 4.65% $10.17
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.

3. Important Details and Terms

3. 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 vary based on information specific to your request including credit history. Other terms and conditions apply. Other plans are available. Contact bank for details.

Unsecured Personal Loan4 (up to 36 months)
Amount Fixed APR Range Monthly Payment
(Per $1,000 borrowed)
$1,000 - $4,999.99 12.45% - 20.46% $33.43 (Based on 12.45% APR)
$5,000 - $9,999.99 11.10% - 17.47% $32.79 (Based on 11.10% APR)
$10,000 + 10.09% - 17.11% $32.31 (Based on 10.09% APR)

4. Important Details and Terms

4. Subject to credit approval. Lowest Annual Percentage Rates (APRs) include 0.25% discount for auto-payment from a Nevada State Bank deposit account. Your APR will vary based on information specific to your request including credit history. $50 documentation fee. Other terms and conditions apply. Other plans are available. Contact bank for details.

Secured Personal Loan5
Amount Term Fixed APR
$5,000 + Maturity date of the deposit account 3.00% over deposit Rate
Secured with Nevada State Bank CD or savings account.

5. Important Details and Terms

5. Minimum loan amount of $5,000. Subject to credit approval; terms and conditions apply. Contact bank for details.

Auto Loan6
Amount Terms Fixed APR Range Monthly Payment
(Per $1,000 borrowed)
$5,000 + 12 to 36 months 5.92% - 14.38% $30.39 for 36 months (Based on 5.92% APR)
$7,500 + 37 to 48 months 3.22% - 9.92% $22.23 for 48 months (Based on 3.22% APR)
$10,000 + 49 to 60 months 2.99% - 9.89% $17.97 for 60 months (Based on 2.99% APR)
$20,000 + 61 to 72 months 2.99% - 10.66% $15.19 for 72 months (Based on 2.99% APR)

6. Important Details and Terms

6. Subject to credit approval. Lowest Annual Percentage Rates (APRs) include 0.25% discount for auto-payment from a Nevada State Bank deposit account. Your APR will vary based on information specific to you request including credit history. $75 documentation fee. Other terms and conditions apply. Other plans are available. Contact bank for details.

New RV Loan7
Amount Terms Fixed APR Range Monthly Payment
(Per $1,000 borrowed)
$1,000 - $4,999.99 36 months 8.07% - 14.22% $31.37
(Based on 8.07% APR)
$5,000 - $19,999.99 84 months 7.22% - 10.72% $15.20
(Based on 7.22% APR)
$20,000 + 120 months 6.95% - 10.20% $11.58
(Based on 6.95% APR)

7. Important Details and Terms

7. Subject to credit approval. Lowest Annual Percentage Rates (APRs) include 0.25% discount for auto-payment from a Nevada State Bank deposit account. Your APR will vary based on information specific to you request including credit history. $50 documentation fee. Other terms and conditions apply. Other plans are available. Contact bank for details.

Used RV Loan8
Amount Terms Fixed APR Range Monthly Payment
(Per $1,000 borrowed)
$1,000 - $4,999.99 24 months 9.39% - 17.48% $45.86
(Based on 9.39% APR)
$5,000 - $19,999.99 60 months 8.40% - 12.69% $20.47
(Based on 8.40% APR)
$20,000 + 72 months 8.28% - 12.34% $17.67
(Based on 8.28% APR)

8. Important Details and Terms

8. Subject to credit approval. Lowest Annual Percentage Rates (APRs) include 0.25% discount for auto-payment from a Nevada State Bank deposit account. Your APR will vary based on information specific to you request including credit history. $50 documentation fee. Other terms and conditions apply. Other plans are available. Contact bank for details.

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