Affordable Legal Solutions provides a lower cost alternative for individuals who are unable or unwilling to navigate the complexities of legal documentation. Examples of types of documents include: divorces (contested and uncontested), adoptions, wills, trusts, guardianships, probates, termination of parental rights, bankruptcies, power of attorneys, quit claim deeds, affidavits, and many more. The company also provides low cost credit repair services.
We are not licensed attorneys and can not provide legal advice or representation.
During the early spring of 1957, Margaret Pilkington and John Marean, members of the Reno Classroom Teachers Credit Union, spoke to a small group of governmental employees gathered in the multipurpose room at West End School. Charlie York, the County Extension Agent and brother of Mrs. Pilkington, had asked them if they would come to Fallon to explain to us the advantages of forming a credit union in Churchill County. At the meeting were employees of the School District, the City, the County, the Telephone Company, and the Extension Office.
Margaret and John explained to those attending how a credit union worked and how to go about forming one. The idea of a credit union appealed to those in attendance so on May 15, 1957, another meeting was held to sign an Organizational Certificate for the Churchill County Federal Credit Union whose charter number would be 11824. This charter was approved by the proper authority on June 18, 1957.
The Reno Classroom Teachers Credit Union allowed us to temporarily affiliate with them since our assets would be insufficient to give loans. An organizational meeting was held on October 3, 1957, to elect officers and to begin functioning independently from the Reno Classroom Teachers Credit Union. Mae Lofthouse was elected as the first treasurer and was given a salary of $5 per month. The October statement showed a share balance of $90.00.
The annual report dated December 31, 1957, showed a total of 16 members which is quite a difference from the approximately 3,000 members today.
In January, 1958, a check was received from the Reno Teachers Classroom Credit Union in the amount of $1,528.66. This check transferred member shares to the Churchill County Federal Credit Union and from then on we were on our own.
As mentioned earlier, Mae Lofthouse was the first treasurer and served from October, 1957 to October, 1958. Frances Ham succeeded Mrs. Lofthouse and served until May, 1961. At that time the credit union was fortunate in employing Dawna Johnson as treasurer for a monthly salary of $15.00. Dawna remained the treasurer for over twenty-two years, eventually retiring June 30, 1983.
The share balance when Dawna became treasurer was $15,260.00 and during her tenure grew to $1,341,000. The office was in her home and during the later years the road leading to her house was very busy being used by the 872 members.
After Dawna’s retirement, Marcia Parrish accepted the position of treasurer. An office was opened in town in a small room behind Ray Regan’s C.P.A. business. The credit union continued to grow rapidly during Marcia’s tenure and the share accounts grew to over $15 million by the time she retired from the credit union in January of 2001. Through the years Marcia maintained the personal touch that was set forth by our originating officers.
When the credit union first began operating on its own, the maximum loan allowed was $150.00. This, of course, was to allow several members the opportunity to borrow. Without that limitation one person could easily have borrowed all available monies. Today there is no limit and with the proper security, loans in excess of $50,000 have been made.
A memorable day in the year 1985 was the changeover from manual bookkeeping to computer! Before computers, many midnight hours were spent running adding machines and trying to make totals balance. At statement time, the husbands of Dawna and Marcia were drafted to help out and many a New Year’s Eve was spent working instead of celebrating.
In April, 1989, credit union members celebrated the opening of their new office building located at 667 South Maine Street. This was a culmination of much dreaming and planning. When the few originators of our credit union gathered at that May meeting in 1957 to apply for a charter, none dreamed that what they were giving birth to would become what it is today.
From 1957 to the present Churchill County Federal Credit Union has been here to serve our members saving and loan needs with the same personal touch that our originating members set forth.
A debt of gratitude is due the many unpaid members who have given their time to serve on the Board of Directors, the Credit Committee, or the Supervisory Committee. All they have done is evidenced by the healthy condition of the Churchill County Federal Credit Union today.
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We offer our installment loans from conveniently located branch offices in order to provide personal service within the community.
Use the locator to determine if there is an office in your local area. To apply for a loan, you may call that office or apply in person at a time convenient to you during our business hours. After completing the application, the office personnel will complete a verification and underwriting process to determine if you qualify for a loan in the amount you requested. Our personnel can assist in finding an installment loan within your budget.
Installment loans have monthly terms consisting of equal monthly payments, with no balloon payments or prepayment penalties. In certain cases, you may be able to renew or refinance your account to receive additional cash prior to the full payment of the original loan. A renewal is a new loan that pays off the balance in full (less any refunds due to you) of the prior loan and gives the remaining difference to you as cash proceeds. You will need to determine if the costs related to the renewal loan makes financial sense for your situation. This website provides links to consumer education sites unrelated to Security Finance that may assist you in making that determination
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Carmen uses her lending experience to assist credit union members with financial counseling and product knowledge regarding real estate financing and generate quality mortgage loans. She is bilingual in English and Spanish and is ready to assist families in the Fallon, Fernley and surrounding areas.
Carmen has been with United since 2013. Previously she was a Member Service Advisor and an Inside Mortgage Advisor. She has also worked for Wells Fargo Bank, and was the Migrant Education Coordinator for Modoc County and Butte County School district in California. Prior to working for the school she enjoyed volunteering at her kids’ school.
Carmen is a lifelong resident of Fallon, Nevada. In her free time, she enjoys spending time outside hiking, camping, cycling, and photography.
Locally owned and operated, Western Nevada Title Company is one of the most reputable firms of Churchill County. We have been in the industry since 1983, offering full title and escrow services. We are staffed with experienced, educated, and dedicated personnel who appreciate and value the opportunity to be of service to our clients. Our escrow officers are all certified by the Nevada Escrow Association. We have created a niche for ourselves with our prompt and accurate services. We are proud to be an active member of our community, giving our clients the personal and friendly service they deserve.
Our wide variety of services ranges from mortgage title insurance to the purchase of commercial and residential property. Working on the core ideas of togetherness, Western Nevada Title Company is known for its well chosen team of real estate agents/brokers, lenders, buyers and sellers. We put a heavy emphasis on the word TEAM and define that as “Together Expectations are Always Met.” Acting as a vital link between all parties involved in a purchase decision, the company is committed to taking care of your title and escrow needs, instilling confidence among everyone involved.
Working in the sector for over 30 years, our staff is experienced, friendly and well educated so they can take the client smoothly through even the most complex purchases. We will take care of all your title, escrow, and foreclosure needs. We provide hometown service, with a strong backing of our underwriter, First American Title Insurance Company, one of the nation’s leading title insurance companies. Insuring the buyers and lenders from the risk of title defects, our company works with everyone involved in a deal as a neutral third party to a close with transparency and trust. Join us to ensure that you get the best deals in the title and escrow world. Call 775-423-7037 or email our staff to schedule an appointment today!
Our Services
Since opening in 1983, Western Nevada Title Company has been Churchill County’s #1 title company. Over the years, we have expanded the scope of our work to include Northern Nevada. Our escrow services for residential and commercial property purchases include handling subdivisions, vacant land, and 1031 exchanges. We offer these services to safeguard the interests of our partners and instill trust with our clients.
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