Omaha FCU lends millions of dollars each year to thousands of members. Members finance through Omaha FCU everything from automobiles to new homes. We even make it easy for you to apply for a loan in-person, by mail, by phone or use our On-Line Loan Application . With our On-Line Loan application, you can apply and receive approval of your loan all from your personal computer. With our CUDL AutoSmart link, you can conduct your own online auto buying research, shop our national inventory, request vehicle quotes and even sell your existing vehicle,
Omaha FCU’s rates are based on the term of the loans, security and credit worth. Rates and terms quoted are our best – YOUR RATE MAY BE HIGHER. Our interest rates are frequently reviewed to ensure they are competitively priced. All rates and terms are subject to change without prior notice. Check out our current rates. And don’t forget . . . You have access to many member-only credit union services and exclusive savings at lovemycreditunion.com.
New Vehicle: Omaha FCU will finance up to 110 percent of the cost of a new car, truck or van. The maximum term for this loan is 84 months.
Used Vehicle: Omaha FCU will finance up to 100 percent of the NADA value (call for Blue Book details). Terms up to 72 months are available.
Pre-Approval of New and Used Vehicle Loans Available: A Member may fill out an application before he/she starts shopping for a vehicle. Once it’s approved, the member may select a vehicle at his/her leisure. A pre-approved vehicle loan is valid for 60 business days. Pre-approved financing may give the member an advantage when bargaining for the price of the vehicle.
New and Used RV Loan: Omaha FCU will finance 100 percent of the purchase price (tax and license excluded) of a new Recreational Vehicle, 100 percent of the current NADA Recreational Vehicle Guide for a used Recreational Vehicle. Maximum term is 180 months.
New and Used Motorcycle Loans: Omaha FCU will finance up to 100 percent of the purchase price (tax and license excluded) of a new motorcycle, or 100 percent of the current NADA Used Motorcycle Guide for a used motorcycle. Maximum term is 72 months.
New and Used Boat Loans: Omaha FCU will finance 100 percent of the purchase price (tax and license excluded) of a new boat, or 100 percent of the Loan Value stated in the NADA Used Boat Guide. Maximum term is 96 months.
Credit Life and Disability Insurance: Credit Disability Insurance is an optional, low-cost insurance policy that makes your loan payments should you become disabled due to sickness or an accident. For additional security when obtaining your loan, you may want to consider purchasing Credit Life Insurance. Credit Life Insurance pays off a loan balance up to $50,000 should a member die during the term of the loan. Credit Life is available to borrowers under the age of 70 and may be purchased in conjunction with Credit Disability Insurance.
VISA® Credit Cards: Omaha FCU offers three types of VISA® credit cards. Apply now!
- 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. It really pays to use your VISA® Rewards credit card, as it offers a special program to cardholders called uChoose Rewards. The uChoose Rewards program allows us to reward YOU for using your VISA® Rewards credit card for purchases. Giving you accelerated earning opportunities and unlimited ways to redeem your points is our way of saying THANK YOU for being a cardholder and member of Omaha Federal Credit Union. Every time you use your VISA® Rewards credit card, you will earn bonus points that, upon accrual, can be redeemed for gift cards and merchandise. Before you can begin earning uChoose Rewards points with your new credit card, you must first register your VISA® Rewards credit card online. Unlike registering your Omaha Federal Credit Union Debit Card directly at uchooserewards.com, registering your VISA® Rewards credit card for uChoose Rewards must be done through Virtual Branch. First, sign in to your Virtual Branch account at omahafcu.org. Once logged in, click on LOANS, then click on the VISA® Rewards credit card that you want to register, then click on the uChoose Rewards icon there. Once you register your new VISA® Rewards credit card for uChoose Rewards, you will then have the opportunity to utilize this single sign-on to access the total point balance of all your uChoose accounts, including your uChoose Rewards that you earn by using your Omaha Federal Credit Union Debit Card.
- VISA® Preferred Rate: This credit card currently has a variable rate as low as 7.99% APR. There is no annual fee and no balance transfer fee.
- VISA® Secured : This credit card currently has a fixed rate of 15.99% APR with a minimum credit line of $500. There is no annual fee and no balance transfer fee.
Overdraft Protection Loan: With Overdraft Protection, members can protect themselves from bouncing a check and the associated expense of non-sufficient funds fees. This loan is associated with the Checking Account.
Savings and Share Certificate Secured Loans: Both of these loans are fully secured by pledging funds in either a Member’s Regular Savings Account or Share Certificate. Maximum term on Regular Savings Secured loans is 60 months. Maximum term on Share Certificate Secured Loans is 24 months.
Other Loans: Omaha FCU also offers other low cost secured and unsecured loans for any worthwhile need, including car repairs, computer purchases, vacations or other unexpected expenses.