Loan Rates
New & Used Auto, Truck or SUV Loan**
| Auto, Truck or SUV Loan** | APR* | Maximum Term |
|---|---|---|
| New & Used (2021 & Newer) | Start at 4.50%* | 84 Months |
| Used (2020 & Older) | Start at 5.75%* | 72 Months |
*Annual Percentage Rate / Rates are subject to change
**A 1/4% discount for payroll direct deposit and automatic repayment may be available. Please note: this discount is not eligible on indirect loans.
- Omaha FCU will finance up to 100% of the cost of a new car, truck or van (excluding tax and license).
- Omaha FCU will finance up to 100% of the current NADA value (excluding tax and license) of a used vehicle.
For current promotions or more information regarding current auto rates, please call 402.399.9001 (option 4) and ask to speak to one of our Loan Officers. For additional information on Auto Loans, click here.
New & Used Boat, RV or Motorcycle Loan**
| Boat, RV or Motorcycle Loan** | APR* | Maximum Term |
|---|---|---|
| New Boat (2021 and Newer) – New and Used | Start at 6.00%* | 84 Months |
| Used Boat (2020 and Older) | Start at 6.75%* | 84 Months |
| New Motorcycle (2021 and Newer) – New and Used | Start at 6.00%* | 72 Months |
| Used Motorcycle (2020 & Older) | Start at 6.75%* | 84 Months |
| New RV (2021 and Newer) – New and Used | Start at 6.00%* | 180 Months |
| Used RV (2020 and Older) | Start at 6.75%* | 180 Months |
*Annual Percentage Rate / Rates are subject to change
**A 1/4% discount for payroll direct deposit and automatic repayment may be available. Please note: this discount is not eligible on indirect loans.
Interest rates are based on term, amount financed and credit history. For more information regarding current auto rates, please call 402.399.9001 (option 4) and ask to speak to one of our Loan Officers. For additional information on Auto Loans, click here.
We offer competitive rates, pre-qualification approvals and great service to save you time and money. To see if we can help save you money on your current First Mortgage Loan rate, or for more information regarding current rates or to apply, please call 402.399.9001 (option 4) and ask to speak to one of our Mortgage Loan Officers. For additional information on Mortgage Loans and Non-Owner Occupied Mortgage Loans, click here.
Mortgage Loan
| Mortgage Loan | APR* | Maximum Term | Origination |
|---|---|---|---|
| Up to 15 Year First Mortgage Real Estate |
Call 402.399.9001 (option 4) for current rates | 15 years | 1.00% |
| Up to 30 Year First Mortgage Real Estate |
Call 402.399.9001 (option 4) for current rates | 30 years | 1.00% |
| Non-Owner Occupied | Call 402.399.9001 (option 4) for current rates | 15 years | 1.00% |
*Annual Percentage Rate / Rates are subject to change
For current rates on Home Equity Line of Credit Loans or Fixed Rate Second Mortgage Loans, please call 402.399.9001 (option 4) and ask to speak to one of our Mortgage Loan Officers. For additional information on Home Improvement/Home Equity Line of Credit Loans, click here.
Home Equity Fixed Rate Loan
| Home Equity Fixed Rate Loan | APR* | Maximum Term |
| Closed-end Second Mortgage (up to 80% LTV) | Starting at 6.00%* | Up to 15 years |
*Annual Percentage Rate / Rates are subject to change
Home Equity Variable Rate Line of Credit Loan
| Home Equity Variable Rate Loan | APR* | Maximum Term |
| 80% LTV ($250,000 Maximum) | Start at 7.75%*
(Prime Rate) |
Draw Period: 9 years
|
| 90% LTV ($250,000 Maximum) | Start at 8.75%* | Draw Period: 9 years |
*Annual Percentage Rate / Rates are subject to change
Interest rates are based on term, amount financed and credit history. Terms are dependent upon amount financed. Other terms may be available for these loans.
For additional information on Consumer Loans, click here.
Share Secured Loan
| Share Secured Loan | APR* | Maximum Term |
|---|---|---|
| (Determined by account funds) | 4.50%* | Up to 120 Months |
*Annual Percentage Rate / Rates are subject to change
Account holders can secure their loans with funds in their Regular Savings Account. The funds in the Regular Savings Account must remain on deposit until the loan is repaid.
Share Certificate Secured Loan
| Share Certificate Secured Loan | APR* | Maximum Term |
|---|---|---|
| (Determined by account funds) | 3.00%* over CD rate | Remaining Term of Certificate |
*Annual Percentage Rate / Rates are subject to change
Account holders can secure their loans with funds in their Certificate Account. The funds in the Certificate Account must remain on deposit until the loan is repaid.
Overdraft Loan
| Overdraft Loan | APR* | Maximum Term |
| ($1,000 Maximum) | 15.50%* | Open Ended |
*Annual Percentage Rate / Rates are subject to change
An Overdraft Loan is an Unsecured Line of Credit connected to your checking account.
Personal Loan**
| Unsecured Loan** | APR* | Maximum Term |
| ($10,000 Maximum) | Start at 9.50%* | 60 Months |
*Annual Percentage Rate / Rates are subject to change.
**A 1/4% discount for payroll direct deposit and automatic repayment may be available.
We offer three versatile credit cards for your convenience:
- VISA® Rewards
- VISA® Preferred Rate
- VISA® Secured
You can compare the rates of these three credit cards here.
For additional information on Construction and Commercial Loans, click here.
Construction and Commercial Loans
| APR* | Maximum Term |
|---|---|
| Call 402.399.9001 (option 4) for details | Call 402.399.9001 (option 4) for details |
*Annual Percentage Rate / Rates are subject to change
| APR* | Maximum Term |
|---|---|
| Call 402.399.9001 (option 4) for details | Call 402.399.9001 (option 4) for details |
*Annual Percentage Rate / Rates are subject to change
*As of May 19, 2023 / All rates are subject to change / Please call 402.399.9001 (option 4) for current rate information.
Deposit Rates
| Deposit Type | Minimum Balance | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|
| 18 Month* | $500* | 4.16%* | 4.25%* |
*New Money Only. For a Limited Time Only.
| Deposit Type | Minimum Balance | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|
| 6 Month | $500 | 0.49% | 0.49% |
| 12 Month | $500 | 1.49% | 1.50% |
| 18 Month | $500 | 1.99% | 2.01% |
| 24 Month | $500 | 2.29% | 2.31% |
| 36 Month | $500 | 2.49% | 2.52% |
| 48 Month | $500 | 2.59% | 2.62% |
| 60 Month | $500 | 2.69% | 2.72% |
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $2,500 Minimum | .10% | .10% |
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $100 Minimum | .05% | .05% |
* Beginning 02/09/2023
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $25.00 | .05% | .05% |
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| N/A | .20% | .20% |
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| N/A | .20% | .20% |
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $1,000 Minimum | .05% | .05% |
*As of May 19, 2023 / All rates are subject to change / Please call 402.399.9001 (option 3) for current rate information.