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

Rates current as of Aug. 26, 2017.

Auto Loans
Secured Loans
Home Loans
Loan TypeAPR*TERMS
Real Estate - Home Equity (Fixed Rate) Up to 80% appraised value(4)as low as 4.74%60-180 months
Real Estate - Home Equity (Fixed Rate) Up to 90% appraised value(4)as low as 5.24%60-180 months
Real Estate - 1st Mortgage Loans(4)Call for Rate QuoteCall for available terms
Premier Home Equity Line of Credit (HELOC) Variable Rate - Up to 80% appraised value(5)as low as 1.99% Intro for the first 12 months - 3.99% Current Variable Rate120 month draw period
Fixed Home Equity Line of Credit(HELOC) Rate - Up to 100% appraised value(6)as low as 4.49%60 month draw period

*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.

(4) 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: Up to 80% LTV: $25,000 at 4.74% APR for 60 months is $472.02; Up to 90% LTV: $25,000 at 5.24% APR for 60 months is $477.80. 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.

(5) 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 80% 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.

(6) 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 4.49% 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 84 months.

Unsecured Loan
Overdraft Line of Credit

Rates current as of July 19, 2017.

Savings Accounts
Checking Accounts
Money Market
*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.

Rates current as of July 1, 2017.

Credit Cards
Special Term Share Certificates
Rewards Term Share Certificates**
Term Share Certificates
*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.

Rates current as of July 19, 2017.

IRA Accounts
*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.