Check out our NEW Rewards VISA® Credit Card!

VISA® Rewards

Earn 1.5% Cash Back or 1.5 Points for Every $1 Spent

Our VISA® Rewards credit card currently has a variable rate as low as 11.25% APR (Annual Percentage Rate) with a minimum credit line of $1,000. There is no annual fee and no balance transfer fee.

You can apply for this new credit card in person at any of our branches, by calling 402-399-9001 (option 4), or through our On-line Loan Applications on our website (select Credit Card Application).

Get Rewarded for Every Purchase You Make

  • 1.5% Cash Back option
  • uChoose Rewards© = 1.5 points for every $1 spent
  • Apple Pay, Google Pay, Samsung Pay
  • Contactless: Secure tap and go payment method
  • CardValet® – Get alerts on transactions, lock your card in an instant for any reason, manage spending by setting purchase limits, block international usage, and so much more
  • EMV Chip Card
  • Use your VISA® Rewards credit card at millions of locations
  • ATM access via the VISA® ATM network
  • Get added security when you shop online with your VISA® Rewards credit card. This option is available through VISA® Secure only if a merchant participates in this program.

Other credit card options are available here.

Credit Card Comparison Table

Credit Card Details

Win a Giant 8-ft. Toy-Filled Santa Stocking!

Tickets available for purchase at the MAIN, DOWNTOWN and BLAIR branches now thru noon CST 12/22/21. Drawing for one toy-filled GIANT 8-ft. stocking ($200 est. value) at EACH branch will be held at 1 p.m. CST on 12/22/21. Need not be present to win. NO PURCHASE NECESSARY. All proceeds will be donated to CenterPointe Campus for Hope. Must be a member of Omaha Federal Credit Union (OFCU) to participate and win. OFCU employees and their immediate family are not eligible to win.

*Membership is required or must be established. Call or apply online for approval. Membership depends on meeting certain qualifications. Minimum balance of $5.00 in savings account required. 0.05% Annual Percentage Yield (APY) on savings account balances above $100, and 0.00% APY on checking accounts. New checking account includes bonus VISA® Debit Card, which (upon registering) accrues 1 bonus point per $2.00 spent when you select “credit” or sign for your purchases wherever you shop. Points can be redeemed for items such as gift cards and merchandise. Maintenance or activity fees and terms could apply.

Call (402) 399-9001 and speak to an employee for more details about fees and terms that may apply.

Funds in your OFCU accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Celebrate the Season Sweepstakes

Log in to your member account online or on mobile to participate today!
Sweepstakes starts on 11/01/21 at 11:00:01 a.m. CST and ends on 12/31/21 at 10:59:59 p.m. CST.


Open to legal residents of the 50 United States and D.C. including the territories of Guam and Saipan who are 18 years of age and older and are registered accountholders at a participating Financial Institution. Void where prohibited. For complete Official Rules including details on how to enter by mail, click here. Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive, Brookfield, WI 53045. Copyright © 2021 First Financial. All rights reserved. Popmoney and TransferNow are registered trademarks of Fiserv, Inc. or its affiliates. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. THIS PROMOTION IS IN NO WAY SPONSORED, ENDORSED, ADMINISTERED BY OR ASSOCIATED WITH EARLY WARNING SERVICES, LLC OR ZELLE®.

PLEASE NOTE: Mailing Changes for VISA®

Please Note New Payment Address for VISA®: Omaha Federal Credit Union, P.O. Box 2711, Omaha, NE 68103-2711

Please Note Changes to U.S. First-Class Mail Delivery Times: Effective October 1, 2021, the United States Postal Service (USPS) has revised its service standards for certain First-Class Mail items, resulting in a delivery window of up to five days. This may delay your receipt of mail from us and our receipt of mail from you (including mailed payments). Please take this change into account when mailing items to us via USPS. For more information, visit the USPS website.

What you can do: If you haven’t already, consider signing up for online access, which includes paperless options for online statement delivery and Bill Pay, or utilize online and paperless options available through the Omaha Federal Credit Union mobile app.

Write Holiday Letters to First Responders, Service Members and Veterans

We are kicking off our inaugural Operation Gratitude Holiday Letter Writing Campaign. The goal is to gather 250 letters and get them to Operation Gratitude by Dec. 14. They, in turn, will distribute the letters in holiday care packages that they supply and ship to first responders and military personnel.

Go to the following link to quickly write one or more short letters of appreciation, then SUBMIT! It’s so quick and easy to do!

You can also do a handwritten hard copy letter using the Adult Letter Template or the Kids’ Letter Template (links to both attached below).

Won’t you please consider writing a note for the holidays? It will make the recipient’s day and make him/her smile. Plus, it’s all about giving back this holiday season!

Here are a few things to consider:

  • Providing your Last Name, Email and/or Signature is optional. If an email is provided, Operation Gratitude relayed that a high percentage of recipients will respond to the email provided.
  • In your letter, feel free to include a little about yourself and why you are taking time to recognize their service, sacrifice and courage. When drafting your message, please avoid excessive religious comments, mentions of politics and negative content.
  • Recruit your kids, family and friends to also write letters using the link above or the attached hard copy templates below.
  • The Kids template (attached below) offers space to color and to write. Children only need to do 1 of the 2 areas. But they are welcome to do both.
  • If you are doing handwritten letters, please bring them to one of our branches.
  • The deadline to submit letters is Dec. 13, 2021.

WHAT YOU CAN DO NOW TO HELP: Join in the fun and go out of your way to make someone else’s day – starting today! Don’t Wait!

Your participation is very much appreciated!

Adult Letter Template (print out, complete and bring to one of our branches)

Operation Gratitude: Letter Template for Adults

Kids’ Letter Template (print out, complete and bring to one of our branches)

Operation Gratitude: Coloring/Letter Template for Children

For more information about Operation Gratitude and how well received their Letter Writing Campaign is, check out this quick video from the Founder of Operation Gratitude, a 20-year retired Veteran himself.

Operation Gratitude – Paracords & Letter Writing – 5 minute version – YouTube

For a bird’s eye view of what Operation Gratitude really does and how they do it, watch this inspiring video:

Operation Gratitude Ethos – YouTube

Also, here is another link for your review:

  • Operation Gratitude Overview — Operation Gratitude is the largest and most impactful nonprofit in the country for hands-on volunteerism in support of military, veterans and first responders.

Donate Gifts for Adults

Please join us by donating to CenterPointe Campus for Hope this holiday season! Hope! Healing! Happiness!

To donate unwrapped adult gifts, stop by our OMAHA MAIN BRANCH at 3001 S. 82nd Ave., Omaha, NE 68124; our BLAIR BRANCH at 1409 Washington St., Blair, NE 68008; or our DOWNTOWN BRANCH at the Zorinsky Federal Building at 1616 Capitol Ave., Rm 187, Omaha, NE 68102.

Don’t miss our 2nd annual holiday Hope, Healing and Happiness fundraising campaign running now through Dec. 22, 2021. Stop by 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.

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. CenterPointe 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.

It’s Never Too Late to Ask For Help

In tough times, it’s more important than ever to develop and maintain good financial habits. Having a household budget and shedding debt are two obvious things that could benefit most consumers. But figuring out where to start can be a daunting task — especially if you feel like you’re already in trouble. The thing to remember is that it’s never too late to ask for help from Omaha Federal Credit Union.

Manage your mortgage

If you have an adjustable rate mortgage (ARM) and are facing a rate adjustment, or if you have a fixed-rate mortgage with a higher interest rate, refinancing your home loan with Omaha Federal Credit Union might be the break you need. If you qualify, you could:

  • Refinance into a fixed-rate 15-year (or shorter-term) mortgage

Even if you have a fixed-rate home loan, refinancing may free up some money you could use to:

  • Pay down more expensive debt — credit card bills, for example
  • Build your emergency fund for unexpected expenses, such as car repairs or a new furnace

Tap your home’s equity

A home equity line of credit can be a useful cushion if you’re not already overloaded with debt.

  • You can set it up and never draw on it, but have the comfort of knowing it’s there if needed
  • If you’re already tapped out, borrowing more is not the answer

Cut credit card costs

Not all credit cards are created equal. Switch to an Omaha Federal Credit Union credit card — they average more than two percentage points lower than bank credit card interest rates, and often have lower fees as well.

  • Always pay on time, no exceptions
  • Whenever possible, pay the balance each month. When you have to stretch payments, pay in as few months as you can manage.
  • Avoid cash advances — the interest rate on these advances is higher than on straight purchases.

Pass up payday loans

Payday lenders promise to help when you’re short on cash. You’ll get the money you need, but with interest rates from 300% to 1,000%.

  • See what it really costs to borrow from a payday lender, and then
  • Visit Omaha Federal Credit Union — we offer many loan alternatives with fairer terms and much lower interest rates.

Use direct deposit

Direct deposit at Omaha Federal Credit Union will help you save automatically. You simply need to set it up to place a certain amount or a percentage into your checking account and another amount into your savings account. It gives you:

  • One less thing to worry about. It’s the safest way to receive your money.
  • An easier and more convenient way to contribute to Omaha Federal Credit Union IRAs (individual retirement accounts) and other savings vehicles
  • More control over your money and your time — it’s predictable and dependable

Steer clear of scams

Some scammers use negative economic news to scare investors into high-risk investments. They use investor fears to promote sketchy schemes with promises of high returns and no risk that leave investors with nothing but empty wallets.

  • Hang up on aggressive cold callers
  • Delete unsolicited e-mails promoting investment opportunities.

As a member-owned not-for-profit financial institution, Omaha Federal Credit Union is always looking out for our members’ best interests. Our rates and fees can save members hundreds of dollars annually. Don’t wait until you’re in deep trouble to ask for a financial checkup at Omaha Federal Credit Union. In fact, the earlier you ask for a review, the better the outcome can be.

Remember: You Can Bank with Us Anytime, Anywhere by Using our Mobile App

Bank with Us Anytime, Anywhere

You’re constantly on the go and checking your balance and paying bills from home might not always be convenient. Omaha Federal’s mobile banking app allows you to do this and more — when and where it’s convenient for you.

Download our “Omaha Federal Credit Union” app from your App store today to:

  • Check your balance — Within seconds, check the balance of all your Omaha Federal accounts.
  • Pay bills — Make payments to anyone or any company by scheduling one-time or recurring payments.
  • Transfer money — Make transfers between your Omaha Federal accounts and send funds electronically to accounts outside of the credit union. Make payments to different merchants electronically.
  • Get alerts — Sign up to receive mobile texts alerting you to low account balances and loan payment due dates for all your Omaha Federal accounts.
  • Check statements — View monthly statements for your Omaha Federal credit card.

For more information, download our mobile banking app visit one of our branches, or call us at 402.399.9001.

5 Smart Money Moves to Make This Fall

As the leaves begin to change color, it’s time to start thinking about your year-end money strategy. The fall and winter holidays are closer than you think. Use the following strategies to make the rest of the year count.

1. Clean out your closet. You looked into your closet and decided you have nothing to wear. Before you start buying new clothes, pull out your cold weather clothes and give them a good look. Try them on to make sure everything still fits and donate what you no longer wish to keep.

2. Add holidays into your budget. This year, the year-end holiday celebrations will likely be virtual rather than in-person, so you’re less likely to have travel expenses, but there’s still a chance you may overspend on gifts and decorations. If you haven’t already made a spending plan for them, do so now. Figure out how much you can afford to spend and stick to that amount.

3. Up your Savings and 401(k). If your budget can handle it, why not increase your retirement deductions by 1%? The more you save now, the more tax benefits you’ll get, AND the less you have to worry about the future. And why not check out Omaha Federal’s flexible and convenient savings options: Regular Savings Account, Good Savers Account, Share Certificates, IRAs, Health Savings Account and Christmas/Vacation Club Accounts. For more details, visit our website, call 402.399.9001, or stop by any of our branches to speak with a Member Services Representative.

4. Spend your Flexible Spending Account (FSA) dollars. Use it or lose it. You’ve already saved this money, so don’t leave it on the table. Check your FSA documentation to see what health-related expenses you can use this account for and use those dollars.

5. Plan to use your vacation days. Using your vacation days is key to living a successful, balanced life. Even if you have a staycation, it’s critical to use your well-deserved days off. If you plan now, you can even save for a weekend getaway before the end of the year. Life is all about balance.

As the weather turns colder, it’s a great time to reflect on the money progress you’ve made throughout the past year and start focusing on small wins to finish the year right.