THE NEW ONE NEVADA

WEBSITE!See story page 3-4

The cash you need, when you need it.

Short-term loans in minutes up to $1,500—94% approval.

Get an Advance Pay short-term loan from One Nevada Credit Union. We’re faster and charge less than the competition.

• Loans up to $1,500 for two weeks. • Pay only $12.50 per $100 borrowed. • No application fees.

Call (800) 388-3000 or visit a local branch to apply. OneNevada.org/advancepay

Notice: A short-term loan should be used for short-term financial needs only, not a long-term financial solution. Consumers with financial difficulties can visit getadvancepay.com for free access to financial education and online tutorials. The cost is $12.50 per $100 borrowed if you have direct deposit, $15 per $100 borrowed without direct deposit. Visit getadvancepay.com for complete details and costs associated with this product.

focalpointFellow member-owners:

We would like to call to your attention a recent trend in the financial services industry that could adversely affect you. It seems more and more lenders and service providers are promising incredible ease and convenience, but at an exorbitant cost.

Mortgage loans are a prime example. Several lenders are now widely advertising incredibly fast and easy services, particularly via the internet. We’ve researched their fees and charges and found that on average they charge several thousand dollars more than ONCU for an identical loan. Plus, the process isn’t really any easier or faster after the initial application is filed. This marketing gimmick is also popping up for those interested in selling a home. Several companies are advertising that they will buy your home, pay the title and escrow fees, and even pay for your move. We’ve found that these companies are either paying significantly below market value for your home or assessing large fees. We too believe in providing fast and easy service, but in an honest and forthright way. We also offer the convenience of applying for a mortgage or auto loan online through our website and mobile app. Our mortgage team is right here in Nevada and will guide you through the process without overcharging you. So when you’re ready to buy or sell your home, be sure to shop around. Compare costs, fees and service then make an informed decision. We’ll even help you compare, at no cost or obligation.

Thank you for your membership.

Bradley W. Beal, President/CEO

CONTENTS

NEW OneNevada Website Page 3—4

Trending — Banking Outside the Branch Page 5—6

Member ProfileMajor General L.D. Johnston (Ret) U.S. Air Force Page 7–8

Balance — Get Financially FitPage 9–10

Borrow — Don’t be fooled by “Mortgage Magicians”Page 11

Serving the CommunityPage 12

Did You Know?Shred EventEmployee FocusPage 13

FOCAL POINT STAFFJennifer Salvador, AVP MARKETING

Jake Ludens, AVP MARKETING

Lisa Jansen, AVP MARKETING — NORTHERN NEVADA

Jara Pearson, DIGITAL MEDIA STRATEGIST

Corey Scribner, SR DIGITAL CONTENT DESIGNER

Greg Pace, SR GRAPHIC DESIGNER

Focal Point is produced quarterly by One Nevada as a service to our members. The goals of this magazine are to inform you about our products, provide financial education and present topics important to you.

Copyright ©2017. One Nevada Credit Union. All rights reserved. Reproduction, in whole or in part, without written permission is prohibited. Federally insured by NCUA. Equal Housing Lender.

Send comments and suggestions to:

One Nevada Credit UnionFocal Point2645 South Mojave RoadLas Vegas, NV 89121

Marketing@OneNevada.org

For address corrections, please speak with a Financial Service Representative or call us.

To find a branch in your area, go to OneNevada.org or download our mobile app.

Short-term loans in minutes up to $1,500—94% approval.

T

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he OneNevada.org website debuted a brand-new look on September 13, 2017. The website now adjusts automatically for any device you use – from smartphones to desktop computers – to help you find the information you need. We also relocated the login form to provide you with the most secure Online Banking experience possible. You can now click the “Login” link and go directly to the secure Online Banking system to access

Check It Out!your account. The Online Banking system you use to access your accounts retains the same design with which you’re already familiar. On mobile devices, the most frequently accessed items are now right on the home page of OneNevada.org, and you can find the complete site menu by clicking the icon on the upper right corner of any page of the site. If you haven’t experienced how easy it is to access your accounts with the One Nevada mobile

app, a link to the app is available on the home page of the website when you visit using your smartphone or tablet. Be sure to try out our enhanced Search features to help you find what you’re looking for on OneNevada.org. You’ll be able to find detailed information and easily contact our Customer Support team to ask them questions about your account or any of One Nevada’s services. The Help documentation within the Online Banking system has been improved

Log on to online banking

Site search

Download the mobile app

SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q4 2017

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as well. Just click the “Help” link on the upper right corner of any page while accessing your account to find answers for your Online Banking questions. If you have any questions, please call our Nevada-based Contact Center (OneNevada.org/contact) and we’ll be happy to help!

Check It Out!

Locate no-fee ATMs

Log on to online banking

See current rates

O N E N EVA DA .O R G | Q4 2017

TRENDING

SOUTH (702) 457-1000 | NORTH (775) 827-3880 | Q4 20175

What can you do remotely with the One Nevada mobile app?Here are a few features available to members at No Charge.

LOG IN WITH YOUR FINGERPRINTTired of typing passwords? You can configure “Quick Access” from the One Nevada app’s side menu and log in to your account using just your fingerprint. This biometric technology can save you time and keep your login information secure.

APPLY FOR LOANSStart your loan application or check the status of an existing application right inside the mobile app! You can apply for Credit Cards, Home Loans, Personal Loans and Auto Loans any time on your smartphone or tablet.

CHECK YOUR CREDIT SCORE & CREDIT REPORTA fantastic new feature in the One Nevada mobile app is the ability to not only see your current credit score, but also access your complete credit report. One Nevada members can access their credit information 24 hours a day through this feature, included with all One Nevada accounts.

Banking Outside the Branch.

O N E N EVA DA .O R G | Q4 2017 6

CARD CONTROLSIf you happen to misplace your debit or credit card, card control allows you to turn your cards on and off to protect your accounts from unauthorized use. You can also set up spending limits that will automatically turn off your card when you have reached a specified amount. Card control is included with all of One Nevada checking and credit card accounts.

Switch Cards On and Off InstantlyTurn your card on and off with a single touch, and the status is changed immediately. With ultimate control comes peace of mind.Choose Merchant CategoriesEnable specific categories of merchants, depending on expected card usage. For example, you can

enable groceries and fuel for everyday purchases, but disable entertainment and travel until required.Customize Transaction TypesEnable specific types of transactions, depending on expected card usage. For example, if you do not shop online often, you can disable eCommerce but turn it on instantly when required.

It’s the Airman, not the General,who stands armed atop the bunker on Christmas Eve

It’s the Airman, not the General,who crews the jet in the snow and the blowing sand

It’s the Airman, not the General,who wades waist-deep in the murk to fix the water line

It’s the Airman, not the General,who rigs the wires on which the Orders are sent

It’s the Airman, not the General,who jumps under fire, to rescue the downed lieutenant

It’s the Airman, not the General,who sews tight the wounds of a gravely injured comrade

It’s the Airman, not the General,who drafts the letter to a fallen warrior’s Mother

Today, it’s the Airman, not the General,whose children are born...when he is TDY, again!

Thus, it is to the Airman, that the General and each of usmust dedicate ourselves...fully, faithfully, and forever!

L.D.J.

It’s the Airman...

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MAJOR GENERAL LD JOHNSTON (RET)

Major General LD Johnston (Ret)Former Commander, Air Warfare Center, Nellis Air Force Base Las Nevada, NV

F-16 Fighting Falcon

F-4 Phantom

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Q: How long have you been with One Nevada?

A: Since 1990

Q: Favorite thing about One Nevada Credit Union?

A: My wife and I have been credit union members for over 45 years, and we love the people and the professionalism of the folks at One Nevada Credit Union.

Q: When did you enlist in the Air Force and what attracted you to join?

A: Like many of our young Airmen today, in 1965, the Air Force ROTC program at Oklahoma State provided the “financial aid” that enabled me to afford college. The minute I lifted-off on a junior-year “orientation flight” in an Air Force fighter, I knew I wanted to fly fighters forever.

Q: What’s the most memorable event of your first assignment in Vietnam?

A: That would have to be the F-4 Phantom mission where my jet was hit by ground fire, and we ejected over North Vietnam. Except for malfunctions in the ejection seat and parachute, and being shot-at in the chute, it wasn’t that bad. My partner in the fighter was captured, but a Navy rescue-man (from my own high school) and his chopper crew kept me from being killed or captured.

Q: What Air Force planes did you fly primarily?

A: During the first 10 years, I flew the F-4 in Vietnam, California, Georgia, Spain and Germany. The last 20+ years I flew the F-16 here at Nellis (on three assignments), South Carolina, Korea, Georgia and Southwest Asia.

Q: What were your assignments at Nellis Air Force Base?

A: My wife and I were extraordinarily fortunate to be assigned at Nellis for 8 of our 32 years in the Air Force. In the mid-80s, we were part of a combat-ready F-16 wing, culminating as a squadron commander. In the early 90s, I was the commander of the Weapons School (the Air Force version of Top Gun). In 2000, I was blessed with the best “old guy, flying job” in the Air Force, commander of Nellis’ Warfare Center.

Q: What was the most rewarding part of your Air Force career?

A: It was certainly exciting to fly and fight at low and high altitude over almost every continent and having the opportunity to lead combat forces from Southeast Asia to Southwest Asia. But serving in remote locations with our young troops was the most rewarding. Unfortunately, the average American isn’t able to see the unbelievable dedication and selflessness of our country’s young Soldiers, Sailors, Airmen and Marines.

Q: What was the toughest part of your 32 years in the Service?

A: “Family separation” has always been a challenge for military members, and it certainly is today. There’s no way to completely ease the personal pain of missing a child’s birth, birthday or their first Christmas. I saw it break-up marriages, distance parents from their children, and cause more heartache than our great troops deserved. We knew and know it’s a part of the mission, but it’s still a tough biscuit. It’s also why my wife Sherri and I really enjoy our son Richard and his wife Jangme, living here in the Vegas valley.

Q: What do you remember most about your last assignment as the Warfare Center commander at Nellis?

A: After three decades of watching our Airmen do incredible things, using their ingenuity and aggressiveness when deployed or in combat situations, these young Americans blew me away in the way they handled the events of “911.” From the initial alerts that Tuesday morning, to the tireless way they performed unimaginable tasks in defense of Nellis and the Vegas valley, to their preparation for potential conflict, it just makes you proud to be associated with such outstanding Warriors.

Thank you for your service L.D.J!

L.D. with wife Sherri. Richard (L.D. and Sherri’s son), daughter-in-law Jangme and their cat Kayla.

“I really don’t measure up to the truly Great Americans I’ve known, nor the young troops who are serving overseas right now... I can’t imagine anyone would want to read about an old busted-up fighter pilot!”

When approached to be the member profile L.D. said:

CoachCoach

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DEBT & BUDGET COACHINGWe offer a Debt Management Plan, and are committed to providing comprehensive money management education and counseling.

CREDIT REPORT REVIEWBalance counselors are certified credit report reviewers who know their stuff. They are financial gurus, here to give you guidance and support.

BALANCE TRACKLearn the basics of personal finance with the BalanceTrack educational modules.

MY BALANCEUse MyBalance to create a budget plan that helps you achieve your financial goals.

GET IN BALANCELearn to manage your checking account with the Get in Balance educational module.

STUDENT LOAN COACHINGWe speak the language of student loan financing fluently, and are ready to work with you in a one-on-one student loan counseling session.

HOMEOWNERSHIP COACHINGHousing can be an overwhelming subject to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. Our counselors are readily available to help you make sense of it all.

Did you know that as a One Nevada member you have FREE ACCESS to a plethora of financial education resources? One Nevada has partnered with industry-leading BALANCE to provide you with counseling services, debt management, webinars, podcasts and additional online tools to help with your fiscal matters. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

Get Your Finances In Shape!

Coach Coach

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RENTAL COACHINGWe offer free education on building credit and becoming a desirable tenant. Our specialized rental counselors will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt.

BANKRUPTCY COACHINGWe help clients that have trouble keeping up with bills and find themselves spiraling out of control with debt that seems impossible to repay.

For detailed information about these valuable FREE programs go to:OneNevada.org/balance

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BORROW

Mortgages aren’t always what they appear to be.

O ne of the biggest mistakes you can make when purchasing a home, is choosing a lender without shopping around. Considering all of the online mortgage lenders offering low or no fees and some offers filled with gimmicks, we wanted to remind you to shop around before choosing a lender.

Here are some steps you should take before settling on a lender:

1) EDUCATE YOURSELF. First educate and determine if you qualify for a specific type of mortgage like conventional, VA, FHA or ONCU’s New Start Mortgage. Also, look into state assistance programs that can help with down payment costs like the Home is Possible program. Learn about rates and terms.

2) DO MORE HOMEWORK. Ask your home-owning friends for recommendations if they’ve had a good experience, and ask what issues they were faced with.

3) NEGOTIATE. Meet with 2-3 lenders and compare interest rates, terms and lender fees, and ask for a breakdown of total costs so you can compare. Ask about incentives, and if one is offering a cash incentive, ask the other why they are not offering the same.

4) SHOP SMART. Don’t be fooled by some of the online companies that might advertise better rates, no fees and speedy closings. Sometimes it’s best to work with someone in person that can explain the process and all the details, being this might be the largest purchase you’ll ever make. Fast and easy might come at a cost. Some of these lenders will promise you the world but tack on hidden fees. Even if interest rates and loan terms are similar across different lenders, final costs and fees at each lender might not be.

Be sure to work with a reputable mortgage team and research their reviews online or ask for testimonials. And don’t hesitate to ask our Mortgage Services team at One Nevada what we can offer and how we compare to other lenders.

Enjoy near record low mortgage rates and no hidden fees!Call (702) 382-4094 for more information or apply online at OneNevada.org/mortgage.Federally insured by NCUA. Equal Housing Lender.

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SERVICE KUDOS

T he world’s largest free hot-

air balloon festival happens in Reno the second weekend of September each year, and

One Nevada was there to celebrate! Thousands of balloon enthusiasts stopped by the One Nevada booth to say good morning to our team and to enter the

Aviation Nation 2017 Air and Space Expo — November 10-12

SCHEDULE:Friday, Nov. 10 Practice day — Open to military, local first responders and their families.

Saturday-Sunday, Nov. 11 and 12 Open to the public.

Be sure to stop by the One Nevada Booth for a free giveaway!

Celebrating the U.S. Air Force’s 70th Birthday at Nellis Air Force Base.

ONE NEVADA CREDIT UNION IS PROUD TO SPONSOR

Fill the Bus – As students got ready to head back to school, One Nevada successfully partnered with Communities In Schools of Western NV to collect school supplies for at-risk students in Washoe County. One Nevada members donated back packs, pencils, pens, markers, notepads, binders and other school supplies. Thank you One Nevada members for helping us Fill the Bus!

Biggest Little Bulb Project – Rotary Club of Reno launched the Biggest Little Bulb Project this year to collect thousands of spring flower bulbs that will be planted this fall in the Sculpture Garden in Bicentennial Park in downtown Reno. One Nevada is proud to be a sponsor and donor of 1,800 bulbs for the special red, white and blue garden display.

annual balloon raffle contest for fun prizes, including the coveted Star Wars basket. Over 90 unique hot-air balloons took to the skies, but the real star of the show was the One Nevada balloon. This event is pure magic and we are a proud sponsor!

MEAGAN D. Roger White and his team made refinancing my house a piece of cake. He does everything to make the process as easy and fast as possible. If you want

the lowest rate and great customer service, Roger White at One Nevada Credit Union is your guy. I will definitely be working with him in the future for all of my mortgage needs!

O N E N EVA DA .O R G | Q4 2017

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DID YOU KNOW?

EMPLOYEE FOCUS

IHow long have you been with ONCU? I have served members in the Investment Program for almost 12 years.

Can you explain how the Investment Group , available through CUSO Financial Services, L.P. (CFS*) can help members? Our goal is to help improve our customers’ financial lives in every area. This could be helping set up college savings to a complete financial plan for their future goals and dreams. Our customer base is so diverse. One day we are helping a family find a better fixed rate another day we are helping with a 401K rollover.

Where can a member meet with you or any of the other CFS* Financial Advisors? At any one of our branches by appointment, just call us at 702-641-4323.

What’s the biggest misconception about financial planning? People believe you have to have a lot of money to start. We want to educate members on how to build a financial house for their future, including having an adequate emergency fund. Another misconception that hinders people from sitting down with a Financial Advisor is thinking they will get sold something. Our goal is to educate and improve their financial situation. If we are not able to do that, we have no right asking for their business.

At what age should you start financial planning? The time to start is now. One of the biggest problems I see is procrastination. Most people have good intentions, but never put them into action. The ideal time is a parent starting something for their child, but the bottom line is, it’s never too late.

What is the most important thing someone should know before meeting with a CFS* Financial Advisor? We are not going to force you to do anything. The first appointment will be a “Get to know each other” and how we can best serve their needs appointment. If the customer feels comfortable, we will go from there.

Best part about working at the CU? It is like a family. It’s an atmosphere where everyone loves what they do. The way everyone gets along and the relaxed atmosphere makes it a joy to come to work.

Tell us about a fond memory you have from your first days on the job? I remember our customers would sit and wait for a certain FSR no matter how long it took. It just made me realize how different ONCU was from any other financial institution I had been a part of and how important relationship building is.

Daniel DuffyFinancial Advisor – CUSO Financial Services, L.P.at One Nevada Credit Union

The Man Behind the Machine.

Don’t miss the FREE Shred Event!

Source: https://en.wikipedia.org/wiki/John_Shepherd-Barron

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC RegisteredInvestment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwisefederally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives areregistered through CFS. One Nevada Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional.

n 1967, British inventor John Shepherd- Barron introduced the first De La Rue Automatic Cash Machine (DACS) in London. The machine used a cheque-like token that had a Personal Identification Number (PIN) placed on it that was made up of a radioactive compound of carbon-14. The machine would detect the radioactive emission of the PIN number and match it to a number entered on a keypad. Since then ATMs and PINs have evolved to using magnetic encoded cards and numbers that are generated through smartphones. Watch for new innovations at One Nevada’s ATMs in the near future, including side loading card acceptors to protect against card skimming.

Southern NevadaFriday, October 20 North Decatur and I-215 Branch6241 N. Decatur Blvd. Ste 110 10:00 AM – 1:00 PM

DONATIONS WILL BENEFIT CMDR—Connor and Millie’s Dog Rescue

To manage potential wait times, please limit your number of boxes or bags to a maximum of three per person. Boxes may be no larger than 26.7”L x 15.7”W x 14”H (or about the size of a 21-gallon tote). No boxes or containers of any kind may be left behind. All persons participating in shredding services are required to remain with their items. No dropping off of items is allowed. Electronics, ink cartridges and cardboard will not be accepted.

John Shepherd-Barron Credit Reuters

Connor MillieCMDRCONNOR & MILLIE'S DOG RESCUE

connorandmilliesdogrescue.org

WHO WOULDN’T WANT TO WORK FOR ONE OF THE BEST PLACES TO WORK IN AMERICA? If you want to work with a team of skilled professionals who work together as a family of financial experts, we are the employer for you. We offer competitive salaries, comprehensive benefits and

advancement potential in a positive, supportive and professional atmosphere. At One Nevada, our dynamic, motivated and highly-skilled staff are proud to serve our members. We are continually

seeking enthusiastic and talented individuals to join our growing team.

For more information and to view additional positions, visit us at onenevada.org/careers.Financial Services Representative performs all loan interviewing and processing, new accounts, paying/receiving member transactions, greets and directs members, and cross-sells Credit Union products and services.

Contact Center Representative Iprovides prompt and professional service to all members and potential members via the Credit Union’s ACD telephone system answering callers’ questions regarding accounts, including transaction activity, membership, loans, research and cross-sells Credit Union products and services.

Licensed Agent/Realtorrepresents Buyer and Seller members of One Nevada Credit Union as well as outside clients.

Collectorresponsible for controlling, collecting, communicating, and skip tracing on delinquent loans for One Nevada Credit Union.

Work for the Best of the Best!

OneNevada.org/careers

PRSRT STDU.S. POSTAGE

PAIDLas Vegas, NV

Permit No. 2020

Southern Nevada Branches12 in Southern Nevada, full branch listing at OneNevada.org.

All branches except Nellis AFB, M – F, 10:00 a.m. – 6:00 p.m.Nellis AFB, M – F, 9:00 a.m. – 5:00 p.m.

Northern Nevada BranchesTwo in Northern Nevada, full branch listing at OneNevada.org.

All branches, M – F, 10:00 a.m. – 6:00 p.m.

Extended Contact Center Hours M – S, 10:00 a.m. – 9:00 p.m. Sunday, 10:00 a.m. – 6:00 p.m.

ATM Locations 44 One Nevada ATMs in Nevada, full ATM listing at OneNevada.org.

Over 46,000 fee-free Allpoint ATMs – visit allpointnetwork.com to find ATMs near you.

Lost/Stolen Cards To report lost or stolen credit cards: (800) 449-7728

To report lost or stolen debit cards: (800) 528-2273

24-Hour Debit Card Help Fraud / Disabled Visa Debit Card: (866) 664-9364

Bill Pay SupportMetavante Corporation: (866) 873-9580

Mobile Banking AppsApple App Store: Search “One Nevada Credit Union”

Google Play Store: Search “One Nevada Credit Union”

Holiday Closings• October 9 – Columbus Day• October 27 – Nevada Day• November 10 – Veterans Day• November 23-24 – Thanksgiving• December 25 – Christmas• January 1 – New Years

Handy InformationChecking Accounts

One Checking® Rewards— Tons of free services, earn unlimited cash back on debit card transactions, $5 monthly fee.

One Checking®—Tons of free services, no monthly fee with 15 signature debit card transactions per month or $2,000 in average daily balance.

MyChecking—Free youth account for ages 15–17, tons of free services.

Essential—Free account for lower-income members, tons of free services.

Products and Services available to One Nevada Members

Insurance*

Auto—We shop multiple carriers to find you the best rates.

Home—We’ll get you all the protection you need.

Life—Term, whole and mortgage protection.

Renters—Protects your personal property and provides liability protection.

AD&D—Covers you in the event of death or loss of a limb, sight, speech or hearing due to an accident.

Credit Life & Disability—Pays off your loan in the event of death, makes your payments in the event of a disability.

Umbrella—Get liability coverage above the limits of your auto and home policies.

Guaranteed Auto Protection—Helps cover the difference between the balance of your loan in an emergency.

Savings AccountsPrimary—Smart, simple savings.

Holiday—Easy way to save for holiday expenses.

Special Share—Save for a special occasion such as a wedding, anniversary or vacation.

Share Certificates—Federally insured with terms from 3 months to 4 years, $1,000 minimum balance.

MoneyMaker—Flexible and federally insured savings at competitive rates.

Preferred Money Market—Earn a higher rate if you have a relationship with our Investment Group.

IRAs—Roth, regular and Coverdell Educational IRA options available with Share Certificates and MoneyMaker.

Investments**

401K Rollovers—Many IRA rollover options available.

Annuities, Mutual Funds and Brokerage Accounts—Get income you need for retirement.

Financial Planning—Local representatives are ready to personally assist you and your family’s needs.

Retirement Planning—We’ll help you plan income strategies and inheritance strategies.

**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. One Nevada Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

*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. 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.

LoansAuto—New, used and refinance.

Home Loans—First, second, home equity and home equity lines of credit.

Personal—Signature, emergency, lines of credit, share secured and credit builder.

Business—Specializing in commercial real estate lending.

VISA® Signature Credit Cards—Low-rate, low-fee Signature card with CU Rewards™ and cash back options available.

Advance Pay Short Term Loans—Borrow up to $1,500 for two weeks for less than the other guys.

Remote Banking Services

Mobile Apps—Manage your account with your smartphone or tablet, pay bills, deposit checks or send money.

Allpoint ATMs—Enjoy 46,000 fee-free ATMs nationwide.

Ca$h Perks—Get rewards based on where you shop everyday with your debit or credit card.

KeepTrack®—Pull all of your outside accounts right into your One Nevada online banking account.

Online Banking—View your accounts, transfer funds, apply for loans and more.

Online Bill Pay—Pay bills online for free.

E-Statements—Save paper and postage.

Social Media—Keep in touch with the credit union via Facebook, Twitter and other online sites.

Account Alerts—Sign up for text or e-mail alerts for information about your account.