Current Rates

Home Equity Fixed Rate

Home Equity Fixed Rate APR* Maximum Term
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Want to learn more about our Fixed Rate Home Equity Loan? Click Here.

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Property must be located within 100 miles of Omaha FCU.   Rates are based on term, security, and credit worthiness.

 *APR is Annual Percentage Rate. Property must be owner-occupied & located within a 100-mile radius of the Credit Union. Property insurance is required. Consult your tax advisor for deductibility of interest. Subject to credit approval. Some limitations apply. Fixed rate sample monthly payment on $20,000 2nd Mortgage Loan at 6.75% APR for 120 months is $229.65 without Payment Protection. Rates are subject to change.

Ca$h Line Home Equity

Omaha FCU’s HELOC allows the Member to borrow against his/her home’s accumulated equity without disturbing his/her savings or other investments. HELOC has low variable interest rates and there are no loan-advance fees, annual fees or points. Members may borrow up to 100% of the appraised or tax value including liens. For rates on Home Equity Loans for over 90% of appraised or tax value including lients, please contact the Credit Union for current rates. Property must be within a 100 mile radius of OFCU. Rate changes are a maximum of 2% per change date with changes to occur annually in January of each year. The interest paid on this loan may be tax deductible. Consult your tax advisor on the deductibility.

Ca$h Line Home Equity APR* Maximum Term
80% LTV ($250,000 Maximum) Start at 4.00%* Open Ended
90% LTV ($250,000 Maximum) Start at 5.00%* Open Ended

Want to learn more about our Ca$h Line Home Equity Loan? Click Here.

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Click on this Home Equity Early Disclosure link for important information.   Property must be located within 100 miles of Omaha FCU.   Rates are based on term, security, and credit worthiness. Your rate could be higher.

 *APR is Annual Percentage Rate. The rate can adjust on an annual basis. The variable rate will be based upon a margin over or under the Wall Street Journal Prime: 1/2% under prime for 70% LTV; equal to prime for 71-80% LTV; +1 for 81-90% LTV; +2.  Variable rate could be as low as 6% APR minimum floor. Max. variable rate APR will not exceed 18% APR*. Single family owner occupied homes. New money only.
**These are Introductory Rates good thru 12/31/14. After that time the rates will go to our current Ca$h Line Home Equity Loan Rates. As of January 1, 2014 that rate is 4.000% APR for a Ca$h Line Home Equity Loan – 80% LTV.

15 Year First Mortgage Real Estate Loan
Loan APR* Maximum Term Origination Points
Up to15 Year
First Mortgage
Real Estate
Start at 3.50% LTV=80% 15 years 1.00% 0.00%
Non-Owner Occupied Start at 4.75% 15 years 1.00% 0.00%

Want to learn more about our 15 Year First Mortgage Real Estate Loan? Click Here.

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Real Estate Loan Application
Property must be located within 100 miles of Omaha FCU and owner occupied. Call Omaha FCU for current 30 year First Mortgage Rates.

 *APR is Annual Percentage Rate. Omaha FCU will loan up to $650,000 on short term fixed rate Mortgage Loans. Maximum LTV = 90%. PMI required on loans over 80%. Property must be located within a 100 mile radius of the credit union. The short term Fixed Rate Mortgages are fully amortizing loans.

Omaha FCU also offers long term fixed rate First Mortgage Loans. We will loan up to $650,000 on 30 year Mortgages. Call 402-399-9001 for our current rates. Rates are subject to change.

30 Year First Mortgage Real Estate Loan
30 Year First Mortgage Real Estate Loan APR* Maximum Term
  Call 402-399-9001 for current rates. Call for details

Want to learn more about our 30 Year First Mortgage Real Estate Loan? Click Here.

Construction Loan
Construction Loan APR* Maximum Term
  Contact Centennial Lending at 720-494-2740 or toll-free at 866-588-1100 for rate quotes. Call for details

Omaha FCU has partnered with Centennial Lending to make it possible to offer a full range of Construction and Business Loans.  Click here to visit the Centennial Lending website.

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*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 are subject to change.

Business Loan
Business Loan APR* Maximum Term
  Contact Centennial Lending at 720-494-2740 or toll-free at 866-588-1100 for rate quotes. Call for details

Want to learn more about our Business Loan? Click Here.

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*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 are subject to change.