Loan Rates

New & Used Auto, Truck or SUV Loan**

Auto, Truck or SUV Loan** APR* Maximum Term
New & Used (2021 & Newer) Start at 4.00%* 84 Months
Used (2020 & Older) Start at 5.25%* 72 Months

*Annual Percentage Rate / Rates are subject to change

**A 1/4% discount for payroll direct deposit and automatic repayment may be available.

  • 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.

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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.

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.

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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

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Home Equity Variable Rate Line of Credit Loan
Home Equity Variable Rate Loan APR* Maximum Term
80% LTV ($250,000 Maximum) Start at 7.50%*

(Prime Rate)

Draw Period: 9 years

 

90% LTV ($250,000 Maximum) Start at 8.50%* Draw Period: 9 years

*Annual Percentage Rate / Rates are subject to change

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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) 4.00%* 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.

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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.

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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.

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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.

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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.

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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

Apply For Your Loan Today!

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

Apply For Your Loan Today!

*As of January 9, 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 05/01/2020

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 January 9, 2023 / All rates are subject to change / Please call 402.399.9001 (option 3) for current rate information.