Loan Rates

New & Used Auto, Truck, or SUV Loan

Auto, Truck, or SUV APR* Maximum Term
New & Used (2020 & Newer) Start at 3.5%* (Call for details) 84 Months
Used (2019 & Older) Start at 4.75%* (Call for details) 72 Months

*Annual Percentage Rate / Rates are subject to change

  • 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 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 APR* Maximum Term
New Boat (2020 and Newer) – New and Used Start at 5.50%* (Call 402.399.9001 for details) 84 Months
Used Boat (2019 and Older) Start at 6.25%* (Call 402.399.9001 for details) 84 Months
New Motorcycle (2020 and Newer) – New and Used Start at 5.50%* (Call 402.399.9001 for details) 72 Months
Used Motorcycle (2019 & Older) Start at 6.25%* (Call 402.399.9001 for details) 84 Months
New RV (2020 and Newer) – New and Used Start at 6.50%* (Call 402.399.9001 for details) 180 Months (Call 402.399.9001 for details)
Used RV (2019 and Older) Start at 8.75%* (Call 402.399.9001 for details) 180 Months (Call 402.399.9001 for details)

*Annual Percentage Rate / Rates are subject to change

Interest rates are based on term, amount financed and credit history. A 1/4% discount for payroll direct deposit and automatic repayment may be available. For more information regarding current auto rates, please call 402.399.9001 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 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.

15 – 30 Year First Mortgage Real Estate Loan
Points Loan APR* Maximum Term Origination
Up to 15 Year
First Mortgage
Real Estate
Call 402.399.9001 for current rates 15 years 1.00% 0.00%
Up to 30 Year
First Mortgage
Real Estate
Call 402.399.9001 for current rates Call 402.399.9001 for details Call 402.399.9001 for details Call 402.399.9001 for details
Non-Owner Occupied Call 402.399.9001 for current rates 15 years 1.00% 0.00%

*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 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 APR* Maximum Term
Starting at 4.50%* Call 402.399.9001 for details

*Annual Percentage Rate / Rates are subject to change

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Home Equity Variable Rate Line of Credit Loan
Ca$h Line Home Equity Variable Rate APR* Maximum Term
80% LTV ($250,000 Maximum) Start at 5.75%* Open Ended
90% LTV ($250,000 Maximum) Start at 6.75%* Open Ended

*Annual Percentage Rate / Rates are subject to change

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Consumer Loans

Interest rates are based on term, amount financed and credit history. Rates include a 1/4% discount for payroll direct deposit and automatic payment of the loan. 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 APR* Maximum Term
(Determined by account funds) Current share rate + 4.00%* Up to 120 Months

*Annual Percentage Rate / Rates are subject to change

Members 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 Secured APR* Maximum Term
(Determined by account funds) Current share rate + 4.00%* Share Certificate Secured APR* Maximum Term
(Determined by account funds) 3.00%* over CD rate Maximum Term = Remaining Term of Certificate

*Annual Percentage Rate / Rates are subject to change

Members can secure their loans with funds in their Share Certificates. The funds in the Share Certificate 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 Loans
Unsecured Loan APR* Maximum Term
($10,000 Maximum) Start at 8.90%* 36 Months

*Annual Percentage Rate / Rates are subject to change

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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 for details Call 402.399.9001 for details

*Annual Percentage Rate / Rates are subject to change

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APR* Maximum Term
Call 402.399.9001 for details Call 402.399.9001 for details

*Annual Percentage Rate / Rates are subject to change

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Deposit Rates

Deposit Type Minimum Balance Dividend Rate Annual Percentage Yield (APY)
6 Month  $500 0.49% 0.49%
12 Month  $500 1.49% 1.5%
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)
$2500 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)
$1000 Minimum .05% .05%

*As of September 1, 2022 / All rates are subject to change / Please call 402.399.9001 for current rate information.