We Welcome You to OFCU!

We Look Forward to Serving You

On behalf of the Omaha Federal Credit Union (OFCU), I’m inviting you to experience the credit union difference. We have been serving members in the Omaha area for 85 years. Anyone who works or lives in Douglas, Sarpy, Washington or Pottawattamie counties can open and account at OFCU with a deposit of as little as $5.00. We take pride in being able to offer high quality, low-cost products and services which help our members manage their finances now and in the future.

As an OFCU member, you will receive the friendly, professional service that you deserve. Along with our savings and loan programs, you will also be able to take advantage of online account access, bill paying, mobile access and mobile deposit, electronic applications, ATMs, VISA® credit cards, and a bank by phone service.

Within this publication is information on our credit union products and services. I encourage you to take a moment to review this information. Once you do, I’m sure you will agree that OFCU offers the products and services to best help make managing your money easier.

We are looking forward to the opportunity to serve you. If you like more information on any of our products or services, you can stop by any of our four locations, or give us a call at 402.399.9001.

Sincerely,

Cheryl Mathis

President

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Loan Products

Have A Borrowing Need? Come See Us For Fast Friendly Service and Competitive Rates

At OFCU, we’ve helped thousands of our members finance the major purchases and expenses in their lives: cars, homes, education, home improvements, plus so much more.

With our loans, you’ll receive great rates, affordable payments and the ability to apply in person, by phone, mail or online.

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Vehicle Loans

OFCU not only offers great deals on new and used vehicle loans, but also special programs to help you get the most for your vehicle buying dollar.

Special warranties and packages:

  • Credit Life and Disability Insurance
  • Extended vehicle warranties
  • GAP insurance

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VISA® Credit Cards

You can choose from two different credit card plans.

Platinum Preferred Visa® offers a 6% low variable rate, 25-day grace period, no annual fee, plus some great special offerings, including:

  • Reward Bonus Points that can be redeemed for merchandise, gift cards, or used toward travel, such as airline miles or cruises
  • Identity Theft Insurance and Identity Theft Assistance
  • Card Registry Service
  • 90-day Product Protection, plus much more

Our Classic VISA® has a fixed rate of only 12.8% Annual Percentage Rate (APR) with no annual fee and a 25-day grace period.

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Home Loans

Whether you are looking to finance a new home or use the equity in your existing home, we have the loans you need.

Home Equity Loans

  • Either fixed rate or line of credit

First Mortgage Loans

  • Both 15- and 30-year Mortgages
  • All plans available
  • Construction Loans

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Personal Loans

When you have a finance need, we have the product or service to help.

  • Signature Loans
  • Share/Share Certificate Loans
  • Bill Consolidation Loans
  • Vacation/Christmas Loans

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Convenience Products

At OFCU, you’ll enjoy convenient account access to your money 24 hours a day, seven days a week.

Four Checking Plans

Choose the checking plan that is right for you. Our Premier Checking has a minimum balance of $1,000, pays monthly dividends and offers additional benefits. E-Checking is the perfect checking account for a young adult or college-bound student. We also offer our Classic Checking with no minimum balance requirement. And our VISA® Check Card adds even more convenience and lets you earn bonus points toward merchandise and airline miles.

ETC Audio Response

With a touch-tone phone, you can perform account transactions and get account information absolutely FREE.

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On-Line Services

With your mobile device and our Virtual Branch online services, you have access to OFCU information along with account and loan access. Just log on to www.omahafcu.org.

Mobile Banking & Mobile Deposit

By using your smart phone and our Mobile Banking service, you are always close to your money. With Mobile Banking you can:

  • View account transactions
  • Transfer funds between your checking or savings accounts
  • Pay your bills and more

With Mobile Deposit, you can scan your check with your mobile device and simply send it to us for deposit.

Virtual Branch Home Banking Service

Offers you FREE, easy and secure access to your accounts. With this service you can:

  • Review items clearing your account
  • Transfer money between accounts
  • Download information to financial management software;
  • Receive your Omaha Federal Credit Union monthly and/or quarterly statements.

Free Bill Payer Service

Pay your monthly bills online or via phone.

My $ Manager Financial Program

My $ Manager is like having a personal financial advisor via your computer. With My $ Manager, you can monitor your spending, plan for the future, set savings goals, and track your current assets versus your debts. And best of all, it’s FREE!

Direct Deposit and Payroll Deduction

You can have your paycheck or government checks direct deposited to OFCU. Direct deposit saves you time while offering safety and security.

Other Convenient Services

Loan Applications and Approval

Apply for, and receive, instant loan approval information 24-hours a day.

Other OFCU Website Services

  • Check ordering
  • Membership/account applications
  • Credit card account and statement information
  • E-statements
  • Financial information
  • Savings and loan information and rates, plus much more!

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Savings & Investments

Make the Most of Your Money

At OFCU, you’re not a customer, you’re an owner of your financial institution. And as an owner, you’re entitled to savings and investment accounts which make the most of your hard-earned money.

Savings Account

You can open your OFCU account with just $5.00.

Investment Opportunities

OFCU offers you three investment opportunities:

  • Our Money Market Account with a low minimum balance of $2,500.00
  • Certificates which can be opened with as little as $500.00 and have terms from six to 60 months
  • Our Super Saver Certificates can be opened with $25,000 with terms of either six or 12 months

Individual Retirement Accounts (IRAs)

Start saving for your retirement today. We offer:

  • All three IRA plans: Traditional, Roth and Education
  • Invest in either fixed or variable-rate plans.

Health Savings Accounts

Take more control of your healthcare costs, with an OFCU Health Savings Account. An HSA is a tax-sheltered savings account similar to an IRA, but earmarked for medical expenses. Anyone under the age of 65 who has a qualified high-deductible policy can open and contribute to an HSA. Deposits are 100% tax-deductible (even if you don’t itemize) and can be easily withdrawn to pay routine medical bills with tax-free dollars.

Safety and Security

All OFCU accounts are insured up to at least $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

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Hope, Healing & Happiness Holiday Fundraising Campaign

Don’t miss our annual holiday Hope, Healing and Happiness fundraising campaign running now through Dec. 24, 2020. Stop by the drive through of one of our branches to donate unwrapped gifts, monetary funds and/or gift cards to help this year’s benefit recipient, CenterPointe Campus for Hope. Safe drop-off boxes are also located in our vestibules.

CenterPointe Campus for Hope offers both short- and long-term residential programs, as well as peer support, for people suffering with mental health and substance use issues. The majority of people CenterPointe sees experience both severe and persistent mental illness and addiction issues. Nearly every individual CenterPointe serves has very low or no income when they enter the program. They are truly the most vulnerable people in our community. 

CenterPointe uses a holistic approach by treating the whole person, not just one aspect of his/her challenges. In doing so, mental health, physical health and addiction can be addressed together in real time.

Since its start in 1973, CenterPointe has been a leader in holistic healthcare. CenterPointe acquired the Campus for Hope facility in 2017 to better serve people in the Omaha community. CemterPointe is in the process of expanding its programming at Campus for Hope to be able to serve more men, women, teens and veterans, and help them to take steps on their journey toward a healthier life.

CenterPointe’s mission is to help the people they serve get better, sooner, for longer.” 

Specific items needed include hygiene products such as deodorant, toothpaste and toothbrushes, bar soap, disposable razors, shampoo/conditioner, combs and brushes.

Clothing items needed include sweatpants (unisex sizes medium to 3XL), T-shirts (sizes medium to 3XL), women’s underwear and bras (sports bras work well), men’s boxers, sweatshirts and socks.

Gift cards to Walmart, Target or similar stores (Dollar General, Dollar Tree and Family Dollar) are appreciated, too.

Click here for an additional list of Amazon items needed.

Holiday Kits for Kids


From December 1 through December 24, 2020, Omaha Federal Credit Union (OFCU) will be offering small individual holiday craft kits to members’/visitors’ children via our branch drive-throughs. These craft kits are directed toward children ages 5-9 years.

When the kits are gone, they’re gone! So hurry in and share this community service campaign with your friends, family and others and invite them to stop by and check out OFCU!

Visa® Platinum Credit Card Promotion

Get the card that gives you Choice. Value. Power. Rates as Low as 6.00% APR on Visa® Platinum Credit Cards. Earn Points Just for Using! APPLY TODAY!

Get Rewarded for Purchases via ScoreCard Rewards. Every time you use your VISA® Platinum Credit Card, you will earn BONUS POINTS that can be exchanged for gift cards and merchandise. No application fee. No annual fee. Credit card approval depends on creditworthiness and other qualifications. A decision will be determined promptly. Other rates and terms available. Rates, terms and conditions are subject to change without notice. Grace period of 25 days for repayment before a charge will be imposed. Full terms and conditions will be sent with your card. Visit omahafcu.org or call 402.399.9001 for more details.

*Annual Percentage Rate

Skip-A-Payment

Skip your December 2020 auto loan payment and have more cash for the holidays!

Your loan(s) must be on the credit union books for at least 6 months. Deferrals will NOT be offered on 1st Mortgage, Home Equity Line of Credit, Business loans or any Real Estate secured loans. Other excluded loans include Overdraft Protection, Visa Platinum and Visa Classic. You may only defer the same loan payment ONE TIME during the Skip-A-Payment promotion. Deferrals will NOT be offered on any loans that have been delinquent or are delinquent now. All requests are subject to Omaha Federal Credit Union approval. Must meet credit requirements. $30.00 fee per loan.

By participating in Omaha Federal Credit Union’s (OFCU) Skip-A-Payment program, you request that OFCU defer your loan payment(s) as indicated. You agree and understand that 1) Finance charges will continue to accrue at the rate provided in your original loan agreement, during and after this time 2) Deferring your payment will result in your having to pay higher total finance charges than if you made your payments as originally scheduled 3) The payment deferral will extend the term of your loan(s) for one month beyond contracted maturity date 4) You will be required to resume your payment(s) the following month 5) If you elected GAP or life and/or disability insurance, the coverage will not be extended beyond the original maturity date.

The fee per loan is $30.00. The signed application form must be received in our office 10 days prior to your December payment. Call us at 402-399-9001 to speak to a member services representative to learn more. Click here for an application form.