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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

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Check Out Our Latest E-Newsletter!

Click on the link or the image below to enjoy the latest issue of Omaha Federal Credit Union’s monthly e-newsletter. This issue is packed with great articles, news, links and updates and we hope you enjoy this and future issues.

November 2021 E-newsletter

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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.

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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.

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Donate Gifts for Adults

Please join us by donating to CenterPointe Campus for Hope this holiday season! Hope! Healing! Happiness! https://bit.ly/3lGNoMZ https://amzn.to/3iF3gAb

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.

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Lock in a Low Interest Auto Loan — As Low As 1.99% APR*

It’s a great time to buy a vehicle! Bring in your current auto loan or call for details (402.399.9001). APPLY TODAY!

*New Loans Only. Loans subject to credit qualifications and approval, which will be determined promptly.

Other rates and terms available. Rates, terms and conditions are subject to change without notice.

*Annual Percentage Rate

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Apple Pay. Google Pay. Samsung Pay.

Apple Pay

You can use your OFCU Debit Card with Apple Pay — the easy, secure, and private way to pay. Use Apple Pay with iPhone 6 to pay in stores without swiping your card and within apps without entering payment and contact information. With Apple Pay, instead of using your actual Debit Card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual Debit Card numbers are never shared by Apple with merchants or transmitted with payment. In addition, paying with Apple Pay is private as the cashier never sees your name, card numbers or security code.

Google Pay

Now the things you love about your favorite Visa® Debit Card are right on your Android phone. Getting started with Google Pay is simple:

  1. Download the Google Pay app from Google Play or the App Store
  2. Follow the instructions to add your OFCU Visa® Debit Card
  3. Verify your card if needed. Then you’re all set!

Samsung Pay

Now the things you love about your favorite Visa® Debit Card are right on your Samsung phone. Getting started with Samsung Pay is simple:

  1. Access your Card from the Samsung Pay app
  2. Add your OFCU Visa® Debit Card

Pay confidently at millions of places around the world with Visa and Samsung Pay.

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Claim Your Youth Club

Welcome to Claim Your Youth Club — offering a great financial education for teens! And it’s FREE!

Claim Your Youth is a teen-specific educational program designed for youth ages 13-21. The club helps adult members solidify their financial independence. Claim Your Youth is designed to answer common finance questions that hinder teens’ ability to take control of their finances, using topics and content that is relevant to them. Claim Your Youth helps teens work through one of the most challenging periods of financial literacy development.

Claim Your Youth empowers young adult members to be in control of their financial future from the outset. It pushes them to a holistic understanding of the larger financial system and their place within it.

Click here to go to our Claim Your Youth website where you’ll find 1) continuously updated, relevant financial articles 2) opportunities for member contributions 3) tools, tips and resources to help teens manage their finances 4) calculators that give teens a chance to understand the “numbers” side of budgeting and 5) an ability to reach teens where they are the most comfortable with texting and email alerts.

*No application fee. No Annual Fee. Bonus gift card must be obtained within your 2021 birthday month and no later than December 31, 2021. Current or new membership and minimum balance of $5.00 in savings account required to obtain $10.21 gift card bonus. Membership depends on creditworthiness and other qualifications. New membership approval decision made same day or day after application and, if approved, gift card bonus will be provided same day or day after application. 0.05% annual percentage yield (APY) on savings account. Maintenance or activity fees and terms could apply. Programs, rates, terms and conditions are subject to change without notice and may change after the new savings account is opened. Visit omahafcu.org or call and speak to an employee for more details about fees and terms that may apply.

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

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Kirby Kangaroo Club

Welcome to the Kirby Kangaroo Club! Where kids have fun and learn about savings! And it’s FREE!

This fun club is an education program designed for children ages 5-12 that not only establishes a life-long relationship between you and your credit union, but also educates and engages youth in healthy financial habits that will last a lifetime.

Kids can follow along as Kirby lives and learns some valuable life, finance, and responsibility lessons in situations that are familiar. Then, you can answer questions, play games, and learn key terms that reinforce the lessons in the stories. Have fun and start your financial journey which will a solid base to build on for a lifetime!

What are the key benefits? If parents can access resources for their children, then both the parent and child improve their financial literacy and develop healthy habits that will make them successful savers, and smart spenders, throughout their lives.

Click here to go to our Kirby Kangaroo website where you’ll find 1) continuously updated, child-specific financial lessons 2) built-in educational questions and key terms to reinforce the stories and 3) fun downloads and games for youth to complete with their parents.

*No application fee. No Annual Fee. Kirby Kangaroo© Goodie Bag Bonus must be obtained during your birthday month, and no later than December 31, 2021. Current or new membership and minimum balance of $5.00 in savings account required to obtain Goodie Bag Bonus. Membership depends on creditworthiness and other qualifications. Membership approval decision made same day or day after application and, if approved, Goodie Bag Bonus will be provided same day or day after application. 0.05% annual percentage yield (APY) on savings account. Maintenance or activity fees and terms could apply. Programs, rates, terms and conditions are subject to change without notice and may change after the new savings account is opened. Visit omahafcu.org or call and speak to an employee for more details about fees and terms that may apply.

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

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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 an 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’d 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.


Cheryl Mathis



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.

Apply Now!


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

Apply Now!


VISA® Credit Cards

You can choose from three different credit cards.

  • 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.
  • 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.

These three credit cards all offer:

  • Apple Pay, Google Pay, Samsung Pay
  • Contactless: Secure tap and go payment method
  • EMV Chip Card
  • 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
  • Use your VISA® credit card at millions of locations
  • ATM access via the VISA® ATM network
  • Get added security when you shop online with your VISA® credit card. This option is available through VISA® Secure only if a merchant participates in this program.

Apply Now!

VISA® Disclosure

Credit Card Comparison Table


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

Apply Now!


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

Apply Now!


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 Checking PLUS is our primary checking plan and is the most popular among our members. 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. Checking PLUS, Premier PLUS Checking and Classic PLUS provide all the features of the corresponding accounts mentioned above PLUS valuable services such as: Free Debit Card, Free Money Orders, Identity Theft Recovery and Remediation, Mobile Phone Coverage and Access to Credit and Dark Web Monitoring. Certain terms, conditions and limitations apply to Mobile Phone Coverage, so it is important that you visit omahafcu.nxgstrategies.com and click on Mobile Phone Coverage, then click on Policy Summary to carefully review the Electronic Device Protection Policy Summary – Terms & Conditions.

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.


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 OFCU monthly and/or quarterly statements

Free Bill Payer Service

Pay your monthly bills online.

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


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.



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®.

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.