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We will be this closed Saturday, Sunday, and Monday in observance of MLK Jr. Day.... Read More January 18, 2019
Next week -join us for another free Shred Day at the South Reno Branch on... Read More January 17, 2019
Estate planning – it’s not just for the wealthy! Join us at this talk to... Read More January 16, 2019
Community is one of our #CoreValues Read More January 15, 2019
2008 –> 2018 Our Sparks Crossing Branch’s Grand Openings were ten years apart! #10yearchallenge Read More January 15, 2019
Take a look back in to the past, read more about Martin Luther King Jr.... Read More January 14, 2019
Martin Luther King Jr. Day January 14, 2019

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Did you know we offer FREE online financial education? Click the link below to see... Read More January 12, 2019
Wondering where mortgage rates are headed in 2019? Read more: Mason-McDuffie Mortgage – Reno,... Read More January 11, 2019
Where are mortgage rates headed in 2019? January 11, 2019

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Martin Luther King Jr. Day

MLK Jr Statue

Martin Luther King Jr. Day

Taking a look back in to the past. 

Government holidays are something most of us look forward to. It’s an extra day off with your family; an extra day to accomplish things you couldn’t another day; an extra day to relax. Some holidays though are meant for remembrance. This month we celebrate Martin Luther King Jr’s birthday and remember the ethics he stood for and what he fought for.

 Martin Luther King Jr. was the chief spokesperson for nonviolent activism in the Civil Rights Movement. During this time, he successfully and peacefully protested racial discrimination bringing change to both federal and state laws. He is most known for his “I have a dream speech” which impacted not just our country, but the world. Soon after his assassination in 1968 a campaign for a federal holiday in King’s honor began.

 U.S. Representative John Conyers and Senator Edward Brooke introduced the bill to congress requesting that a national holiday for King fall on his birthday. It first came to vote in 1979 in the U.S. House of Representatives and It fell short from passing by five votes. The two main reasons it didn’t come to pass was the arguments that a paid holiday for federal employees would be too expensive and that honoring a private citizen (Martin Luther King Jr never held office) with a federal holiday was contrary to longstanding U.S. tradition.

 After its failure to pass, the King Center turned to gain support from the general public and corporate community. Even Stevie Wonder joined forces to popularize the campaign in 1980 by releasing the single “Happy Birthday” and hosted the Rally for Peace Press Conference in 1981. Six million signatures were collected for the petition to Congress to pass the law. On November 2, 1983 President Ronald Reagan signed the second bill to be presented to the House of Representatives requesting that Kings birthday be observed as a federal holiday. The bill passed with a count of 338 to 90, a veto-proof margin, and was first celebrated on January 20,1986.

Not all states chose to observe the holiday at the state level. In 1991 New Hampshire joined but chose to call it “Civil Rights Day” instead and are not the only state to alter the name of the holiday:


Robert E Lee/Martin Luther King Birthday


Martin Luther King Jr/Civil Rights Day


Martin Luther King Jr/Idaho Human Rights Day


Martin Luther King’s and Robert E Lee’s Birthday

New Hampshire

Martin Luther King Jr Civil Rights Day


Dr Martin Luther King Jr’s Birthday and Robert E Lee’s Birthday- from 1985-2017

*after 2017 the name of the state holiday changed to Dr Martin Luther King Jr’s Birthday


 In 2000, Utah became the last state to name the holiday after King with South Carolina being the last state to recognize the day as a paid holiday.

Outside of the U.S. there is a surprising number of others who also celebrate and remember Martin Luther and his ethics. The city of Toronto in Ontario Canada recognizes Martin Luther King Jr. Day, but it is not a paid holiday and all government services and businesses remain open. Under Mayor Tadatoshi Akiba in Hiroshima, Japan they observe the holiday by throwing a special banquet at the Mayor’s office as an act of unifying his city’s call for peace with King’s message of human rights.

Every year since 1986 Wassenaar, Netherlands hosts a Tribute and Dinner which include veterans from the civil rights movement, young people and musicians from all over. The tribute is always held on the last Sunday in January and bridges King’s birthday and Black History Month. The night always ends with everyone holding hands and singing in a circle “We Shall Overcome”.

In 1984, before even the U.S. celebrated Martin Luther King Jr Day for the first time, Navy Chaplain Rabbi Arnold Resnicoff conducted the first Israeli presidential ceremony in commemoration of Martin Luther King Jr. Day, held in Jerusalem at the President’s residence. It is said they were especially proud to host this special event because Israel had a national forest named in honor of King and that both Israel and King shared the ideas of “dreams” and that “There have been those who thought they could kill the dream by slaying the dreamer, but- as the example of King’s life shows-such people are always wrong”.

Whether near or far it seems that Martin Luther King Jr left an impression on us all. With his peaceful methods and unwavering mental strength, we can all take note from King and try to solve our issues without violence and use words and compassion instead. Happy Martin Luther King Jr Day!

Where are mortgage rates headed in 2019?

Happy New Year!

I’m sure the first thing you thought of when that ball dropped was “I wonder what mortgage interest rates will do in 2019” right? Probably not, but in our industry it’s the talk of the town.

We have had a very volatile mortgage rate market in 2018 with interest rates rising throughout the year, with a slight downturn starting in mid- November. Rates ended the year approximately ¾ of a point over the same time last year.

You probably have heard that the Federal Reserve changed its plan for the Federal funds rate hikes in 2019 from three to two. The Federal Funds Rate affects short term financing like Home Equity Credit Lines when banks react to the rate hikes by increasing prime rate. As short term rates rise on home equity debt it may be a good time to look at consolidation into one loan.

As of this writing, most housing authorities are predicting 2019 mortgage rates to rise just above 5% and as high as 5.5%. An increase of .50% in rate is approximately 4 Starbucks a week on our average loan amounts.

If you have questions on where interest rates are presently and what factors affect your interest rate, I’m here to help. If you’ve been considering a refinance or purchase and want to lock in rates below 5% now is the time.

Kathy McAlpine contact info

Four Reasons Millennials Need an Estate Strategy

Estate planning may not be at the top of a young person’s “to do” list. Still, it makes sense to be prepared — at any age. I thought you might like to know more.

Four Reasons Millennials Need an Estate Strategy

You’re young, have little in savings and likely have no one yet relying on you financially. So why do you need to think about estate management?¹

Here are four great reasons:

Estate Strategies: They’re Not Just for the Elderly

  1. You need a will. 
    You may ask why a will is important if there’s not much to pass on. A will is not just about transferring assets. It can be used to accomplish other tasks, such as naming who should manage your social media accounts once you’re gone or inherit items you’ve accumulated, like collectibles or your car.

  2. Don’t burden others with burial expenses. 
    Funerals can be expensive, and if you don’t have the savings to meet those costs, that burden gets shifted to others.

  3. Consider a medical directive. 
    This important document states your wishes for end-of-life care. In the case of an unfortunate accident, a medical directive provides instructions about the level of care you want, e.g., palliative care only.

  4. Create a durable power of attorney for health care. 
    In the event that you are unable to make medical decisions for yourself, this gives the individual of your choice the legal power to act as a healthcare proxy for you.

Not only do a medical directive and durable power of attorney for health care ensure you are provided the level of care consistent with your wishes, but they can prevent family discord in the event of differing opinions.

Though the multiple financial goals of many young adults often require more resources than present earnings can meet, these important planning steps can be accomplished at a small cost.


Steve Lindquist 
Financial Consultant
9600 S McCarran Blvd
Reno, NV 89523 
(775) 789-3140

Steve Lindquist is a registered representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC a Broker/Dealer and Registered Investment Advisor.  Cetera is under separate ownership from any other named entity. Registered address: 9600 S McCarran Blvd., Reno NV 89523.

Investments are not deposits; not FDIC/NCUSIF insured; and not insured by any federal government agency.  No credit union guarantee.  May lose value.


The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.

Board Member Spotlight: Mike Cassingham

photo of board member

A second generation Nevadan, Mike was born in Elko, Nevada and was raised in Carson City. In 1978, he earned a degree in Heavy Duty Mechanics from Utah Technical College. This led him to several positions as a journeyman mechanic for two local heavy truck sales companies. Using his mechanical background, he started his sales career as the local sales manager of Comstock Kenworth, an equipment sales company.

In November of 1989, Mike started his new career at Lee Brothers Leasing. He felt very fortunate to be working for such a professional company, one with the highest integrity in the automotive business. When Mike became the Vice-President of Operations, he was responsible for the day-to-day operations of the Lee Bros. Sales Department. After 25 years with Lee Brothers, Mike then became owner of Basque Motors.

Mike also holds the distinction of being a Certified Vehicle Leasing Executive (CVLE) after successfully completing the Association’s advanced study program. Mike is actively involved in the Reno Rodeo Association, Ducks Unlimited, and the Reno Basque Club. He enjoys hunting, fishing, boating, and snowmobiling. He and his wife, Sheree – also a native Nevadan – have two beautiful daughters, Brittany and Cierra.

Mike began volunteering for Great Basin Federal Credit Union on the Supervisory Committee in 2004, using his experience in auto loans to ensure the credit union continues to be the driving force in retail loans. Mike was appointed Board of Director in 2006 and has since been working to grow Great Basin FCU to become the lending leader of this community. He is still on the board to this day!

Thanks for all that you do, Mike!


Senior Meal Sites: Donate to the elderly this holiday season

seniors dancing

Senior Meal Sites in Washoe County

Donate meals to the elderly this holiday season.

The Holidays always make me wonder who has less; who is alone; who is in need? Often, we think about children during this time of year and whether the magic of giving is reaching them. We don’t typically think about our elderly citizens and how they are managing.

Did you know that nearly 5 million senior citizens currently face hunger in our country? That means 63% of households with adults older than 50 find themselves making an impossible choice; do you buy groceries, or do you pay for medical care?

Having access to good nutritious food should be a fundamental human right and it should be affordable for those in need. What would you do if you found yourself at the end of the day facing the dilemma of bills, medications, food and financial survival? What would you choose and what would you sacrifice?

Luckily, here in Washoe County we are looking towards our senior community and we are asking these important questions. Have you ever heard of senior meal sites? Throughout Washoe County we have a series of senior meal sites. This means nutritious meals available to the general public who may not otherwise be able to afford it. Seniors 60 and older can have a well-balanced meal with a suggested donation of $2, and if you are under 60 a $4 donation is required.

These services are provided to our community thanks to the Washoe County Human Services Agency Senior Services Division, Regional Parks and Open Space, and the Catholic Charities of Northern Nevada. You can go to any of the meal site locations from 10 AM to 2 PM to get a meal but need to reserve your meal by 9 AM on the day the meal is served. Besides food, this also gives seniors a chance to socialize, play card and board games and on select days view live entertainment.

For a list of meal site locations, including the brand-new Spanish Springs location can be found here.