Loan Rates

First Nebraska Credit Union (FNCU) offers competitive rates on a variety of loans, checking and savings programs.

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. Call us today at 1-800-882-0244, email, or simply stop by a convenient location.

Rates current as of August 5, 2016

Auto Loans
Loan TypeAPR* (as low as)TERMS
Vehicles (2015 or newer) 2.31%36-84 months
Used Vehicles (2014 or older)3.40%36-60 months
Campers, RVs (new & used)4.55%60-180 months
Boats, Motorcycles (new & used)4.56%48-72 months
Secured Loans
Loan TypeAPR* (as low as)TERMS
100% Share Secured5.18%48 months
Term Share Certificates Secured, Under $5,000, $5,000 and over4.00%, 3.00%, (over certificate rate)12 months past Share Certificate Maturity
Unsecured Signature Loan10.38%18-48 months
Credit
Loan TypeAPR* (as low as)TERMS
Overdraft Protection13.99 - 18.00%Revolving
Visa Platinum Rewards Credit Card15.95%Revolving
Visa Platinum Plus Credit Card8.95%Revolving
Visa Platinum Credit Card10.95%Revolving
Visa Classic Credit Card13.95%Revolving
Home Loans
Loan TypeAPR* (as low as)TERMS
Real Estate - Home Equity (Fixed Rate) Up to 80% appraised value3.99%60-180 months
Real Estate - Home Equity (Fixed Rate) Up to 90% appraised value4.99%60-180 months
Real Estate - 1st Mortgage LoansCall for a Rate Quote15-30 years
Premier Home Equity Line of Credit (HELOC) Variable Rate - Up to 80% appraised value1.99% for the first 12 months120 month drawn period
Fixed Home Equity Line of Credit (HELOC) Rate - Up to 100% appraised value3.99%60 month drawn 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.

(1) Loan repayment examples are based on the following terms: New vehicle loan: $35,000 at 2.53% APR for 60 months is $621.96 per month; Used vehicle loan: $15,000 at 3.34% APR for 60 months is $272.13 per month; Boat/Motorcycle: $25,000 at 4.31% APR for 48 months is $568.37 per month. Campers/RV: $25,000 at 4.30% APR for 60 month is $464.11 per month. Share secured loan: $10,000 at 4.68% APR for 48 months is $228.91per month; Unsecured loan: $5,000 at 10.73% APR for 24 months is $232.44. All repayment examples are quoted without debt protection included.

(2) The Overdraft Line of Credit requires repayment terms of 3-5% of the outstanding balance at the end of the statement cycle or $25, whichever is greater. All payments are set up for automatic deduction from the share draft checking account on the 30th day of the month. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day. The APR is a fixed rate based on the type of line set up. Subject to credit qualification and a $39.00 document preparation fee. Some restrictions apply.

(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 12.45%. Platinum Plus is based on prime plus 5.7%. Platinum rate is based on prime plus 7.7% APR. Classic rate is based on prime plus 10.7% APR. Interest is charged based on the average daily balance. **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.

(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 3.99% APR for 60 months is $463.39; Up to 90% LTV: $25,000 at 4.99% APR for 60 months is $474.85. 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%, 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. For Loan lines up to $100,000, closings costs typically range between $225 and $900. The closing costs depend on the location of the property and the amount of the equity line. 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 3.99% 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. For Loan lines up to $100,000, closing costs typically range between $225 and $900. The closing costs depend on the location of the property and the amount of the equity loan. 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.