Rates Effective 12/1/2019
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Interest rates are based on term, amount financed and credit history.
Rates include a 1/4% discount for payroll direct deposit and automatic payment.
*APR is Annual Percentage Rate. Terms are dependent upon amount financed. Other terms may be available for these loans, contact the Credit Union for information. Rates shown are Omaha FCU’s best rates – your rate may be higher. Rates shown include a 1/4% discount for payroll direct deposit and automatic payment of the loan. Rates are subject to change.
Share Secured Loan
Members can secure their loans with funds in their Regular Savings Account. The funds in the Regular Savings must remain on deposit until the loan is repaid.
| Share Secured | APR* | Maximum Term |
|---|---|---|
| (Determined by account funds) | 4.50% | 60 Months |
Share Certificate Secured Loan
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.
| Share Certificate Secured | APR* | Maximum Term |
|---|---|---|
| (Determined by account funds) | 3.00% over CD rate | 24 Months |
EZ Cash Line of Credit Loan
Members can establish an unsecured, open-ended Line of Credit up to $10,000 (based on credit worthiness). Repayment is $25 for every $1000 borrowed.
| EZ Cash Line of Credit | APR* | Maximum Term |
|---|---|---|
| ($10,000 Maximum) | 13.75% | Open Ended |
Overdraft Loan
Unsecured Line of Credit connected to your checking account.
| Overdraft Loan | APR* | Maximum Term |
|---|---|---|
| ($1,000 Maximum) | 15.50% | Open Ended |
Personal Loans
Members can borrow up to $10,000 for the purpose of vacation, furniture, or major purchases.
| Unsecured Loan | APR* | Maximum Term |
|---|---|---|
| ($10,000 Maximum) | Start at 8.40% | 36 Months |