Rates

As a member of the credit union, you’ll receive competitive rates on loans, credit cards, savings accounts, money markets and certificates.

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.

Loans
Savings & Checking
Credit Cards
Certificates
IRAs
Promo Auto Loans
Auto Loans
Home Loans
Personal Loans
Overdraft Line of Credit
Savings Accounts
Checking Accounts
Money Market
Rates effective as of 10/1/2018 and are subject to change.

*APY-Annual Percentage Yield. The APY results if principal and dividends remain on deposit for one year at the stated dividend rate. APY is accurate as of the last dividend declaration date. Dividends are compounded using the average daily balance method. Savings and Club Account dividends accrue through the last day of each quarterly period and are posted to the account the last day of the quarter. Share Draft Checking Account dividends accrue through the last day of each monthly period and are posted to the account the last day of each month. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. Dividend rates vary at FNCU’s discretion and are subject to change at any time without notice. Fees or other conditions could reduce APY. All accounts are subject to the terms and conditions set forth in FNCU’s account agreement and Truth-in-Savings disclosure.

Credit Cards
Loan TypeAPR*TERMS
Visa Platinum Rewards Credit Card(3**)as low as 15.75% Revolving
Visa Platinum Plus Credit Card(3)as low as 10.95%Revolving
Visa Platinum Credit Card(3)as low as 12.95%Revolving
Visa Classic Credit Card (3)as low as 15.95%Revolving

Rates effective as of 1/1/2019 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 minimum balance required in your share savings when you become a member.

(3) The VISA Credit Card has a 25 day grace period for purchase balances if paid off in full each month. The APR is a variable rate and applies to purchases, balance transfers, and convenience checks. Rewards rate is based on prime plus 10.50%. Platinum Plus is based on prime plus 5.7%. Platinum rate is based on prime plus 7.7%. Classic rate is based on prime plus 10.7%. The Prime Rate is defined as the Wall Street Journal Published Prime in effect on the 15th day of the month prior to January 1 and July 1. Interest is charged based on the average daily balance. The annual percentage rate may vary after the account is opened. **Reward points are available only for new purchases made with card. Cash advances, balance transfers, convenience checks and fees of any kind, including finance charges are excluded and do not earn credit toward reward points. You will earn 1 point per dollar spent. Minimum points required in order to redeem is 2,500. Point redemption amounts vary per items. Points are valid for 3 years. Click here for a complete list of the VISA Terms and Conditions.

Special Term Share Certificates
Rewards Term Share Certificates**
Term Share Certificates
Rates effective as of 10/1/2018 and are subject to change.

*APY-Annual Percentage Yield. The APY results if principal and dividends remain on deposit until maturity. APY is accurate as of the date listed above. Dividends are compounded using the average daily balance method and will be credited to the account quarterly based on the date the account is opened. At maturity, account automatically renews for the same term as the previous term, at the rate in effect on the maturity date unless it is a special term.  Special term accounts will automatically renew to the standard term that is less than and closest to the original term. (Example: 13 month renews to 12 month) At maturity and during the 10 calendar day grace period that begins on maturity date, the term or balance may be changed or withdrawals made without penalty. Dividend rates vary at FNCU’s discretion and are subject to change at any time without notice. Early withdrawal penalties apply and fees or other conditions could reduce APY. All accounts are subject to the terms and conditions set forth in FNCU’s account agreement and Truth-in-Savings disclosure.

IRA Accounts
Rates effective as of 10/1/2018 and are subject to change.

*APY-Annual Percentage Yield. For IRA accounts, the APY results if principal and dividends remain on deposit for one year at the stated dividend rate. For IRA Certificates, the APY results if principal and dividends remain on deposit until maturity. APY is accurate as of the date listed above. Dividends are compounded using the average daily balance method. IRA Account dividends accrue through the last day of each quarterly period and are posted to the account the last day of the quarter. IRA Share Certificate dividends will be credited to the account quarterly based on the date the account is opened. At maturity, certificates automatically renews for the same term as the previous term, at the rate in effect on the maturity date. At maturity and during the 10 calendar day grace period that begins on maturity date, the term or balance may be changed or withdrawals made without a penalty.  Dividend rates vary at FNCU’s discretion and are subject to change at any time without notice. Early withdrawal penalties apply and fees or other conditions could reduce APY. All accounts are subject to the terms and conditions set forth in FNCU’s account agreement and Truth-in-Savings disclosure. IRAs are subject to IRS regulations.