Rates – Home Loans

You can see our latest rates right here. Of course, we’re always available to visit with you and answer any questions that you may have about our rates. Contact us today at (402) 492-9100 or (800) 882-0244, via email, or stop by a convenient location.

HOME EQUITY / 2ND MORTGAGE
(FIXED RATE)
APR* TERMS
Up to 80% appraised value(5) as low as 6.51% 60 months (60-180 mos. available)
Up to 90% appraised value(5) as low as 8.02% 60 months (60-180 mos. available)
MORTGAGE APR* TERMS
1st Mortgage Loans(5) Call for Rate Quote Call for available terms
HOME EQUITY LINE OF CREDIT (HELOC) APR* TERMS
(Variable Rate)
Up to 80% appraised value(6)
as low as 5.99% Intro for the first 12 months, then adjusts to Prime, as low as 7.00% 120 month draw period
(Fixed Rate)
Up to 80% appraised value(7)
as low as 7.24% 60 month draw period

Rates effective as of 11/15/2022 and are subject to change. *APR (Annual Percentage Rate) – Rates, terms and conditions are subject to change and may vary based upon creditworthiness, qualifications, loan amount, term, applicable prepaid items and collateral conditions. All loans subject to credit approval. Some restrictions may apply. All rates, except credit cards, lines of credit, share secured and unsecured loans, are quoted with .25% discount for any new money loan with a checking account relationship that has direct deposit, and automatic payment for new loan. You must be a member of the Credit Union to obtain a loan. There is a $5.00 minimum balance required in your share savings when you become a member.

(5) Fixed Home Equity Loans are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. Loan repayment examples are based on the following terms:$25,000 at 6.51% APR for 60 months is $489.32 (Up to 80% LTV); $25,000 at 8.02% APR for 60 months is $507.13 (Up to 90% LTV). All repayment examples are quoted without debt protection included. Payment examples do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. Members without a qualifying checking account may receive a slightly higher rate (.25%).

(6) Premier Home Equity Lines (Premier HELOC’s) are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. Premier HELOC’s are variable-rate products and the APR, payment, or term may change. The APR is based on the Wall Street Journal Prime. The APR will change semi-annually on January 1 and July 1. The APR for 85% CLTV is Prime rate +0%. The minimum rate is 3.99% APR, unless discounted for the first 12 months. The maximum APR that can apply is 9.50%, Payments based on 1.50% of outstanding balance at the end of statement cycle or $25 whichever is greater. Minimum payment may not repay principal which will result in a balloon payment at the end of the repay period. Credit Limit is dependent on the value of the subject property. For Loan lines up to $100,000, closings costs typically range between $225 and $1,000. The closing costs depend on the location of the property and the amount of the equity line. Minimum advance is $300. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day. At the end of the 120 month draw period, loan enters a repayment period up to 120 months.

(7) Fixed Home Equity Lines (Fixed HELOC’s) are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. The APR is a fixed rate (range 7.24% to 9.50%) depending on CLTV and credit score. Payments based on 1.50% of outstanding balance at the end of statement cycle or $25 whichever is greater. Minimum payment may not repay principal which will result in a balloon payment at the end of the repay period. Credit Limit is dependent on the value of the subject property. For Loan lines up to $100,000, closing costs typically range between $225 and $1,000. The closing costs depend on the location of the property and the amount of the equity loan. Minimum advance is $300. Interest is charged from date of the loan advance and is calculated based on the balance owed each day. At the end of the 60 month draw period, loan enters a repayment period up to 120 months.