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Omaha Douglas Federal Credit Union Rates & Review September 2026

Omaha Douglas Federal Credit Union's 12 Month IRA CDs to $9,999 rates are at 3.50%, 12 Month CD rates are at 3.50%, IRA CDs & over - 12 month rates are at 3.50%, 6 Month CD rates are at 3.25%, 24 Month IRA CDs to $9,999 rates are at 2.50%. Omaha Douglas Federal Credit Union's savings rates are at 0.03%. Omaha Douglas Federal Credit Union's money market rates are at 0.60%. Omaha Douglas Federal Credit Union's Personal Loan Rates are as low as 9.75%. Omaha Douglas Federal Credit Union's Credit Card Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Omaha Douglas Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.90%. Rates last updated and verified on 09/12/2026.

Omaha Douglas Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Omaha Douglas Federal Credit Union? Share your experience about Omaha Douglas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Omaha Douglas Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.90%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Omaha Douglas Federal Credit Union
Main office
8251 W Center Rd
Omaha, NE 68124
https://www.omahadouglasfcu.org
Member NCUA

Omaha Douglas Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month IRA Certificates to $9,999 3.45% 3.50% 12 Months
Details $1,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
12 Month Share Certificate 3.45% 3.50% 12 Months
Min Balance $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
IRA Certificates & over - 12 month 3.45% 3.50% 12 Months
Min Balance $10,000
Details $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
6 Month Share Certificate 3.21% 3.25% 6 Months
Min Balance $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
24 Month IRA Certificates to $9,999 2.47% 2.50% 24 Months
Details $1,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
24 Month Share Certificate 2.47% 2.50% 24 Months
Min Balance $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
36 Month IRA Certificates to $9,999 2.47% 2.50% 36 Months
Details $1,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
36 Month Share Certificate 2.47% 2.50% 36 Months
Min Balance $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
IRA Certificates & over - 24 month 2.47% 2.50% 24 Months
Min Balance $10,000
Details $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
IRA Certificates & over - 36 month 2.47% 2.50% 36 Months
Min Balance $10,000
Details $10,000
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club Accounts 0.50% 0.50%
Details This is a variable rate account. If withdrawal is made between October 1st and September 30th, the account will be closed and all dividends forfeited. Dividends will be paid annually on September 30th and all funds in the account will be transferred to the regular savings account on October 1st.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Secondary Savings 0.03% 0.03%
Details Variable tiered rate account; Secondary savings accounts have withdrawal restrictions. Dividends on all accounts are paid on the last day of the month.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Accounts 0.60% 0.60%
Min Balance $2,500
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 8.00%
No additional details.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 4.75% 48 Months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
New Auto Loan - - 5.25% 49-60 Months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
New Auto Loan - - 5.75% 61-72 Months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
New Auto Loan - - 6.75% 73-84 Months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Classic Auto Loans- 25 years and older - - 7.50% 25 Years
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Classic Auto Loans- 25 years and older - - 8.00% 25 Years
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Classic Auto Loans- 25 years and older - - 8.50% 25 Years
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RVs, ATVs, Watercraft & Trailers Loan - 7.00% 0-60 mos
Details As Low As;; Model Year: 2026 - 2017
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers Loan - 7.50% 61-90 mos
Details As Low As;; Model Year: 2026 - 2017
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers- 2016 and older Loan - 7.50% 61-96 mos
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers Loan - 8.00% 97-144 mos
Details As Low As;; Model Year: 2026 - 2017
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers- 2016 and older Loan - 0-60 mos - 8.00% 0-60 mos
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers- 2016 and older Loan - 97-144 mos - 8.00% 97-144 mos
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers Loan - 8.50% 145-180 mos
Details As Low As;; Model Year: 2026 - 2017
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
RVs, ATVs, Watercraft & Trailers- 2016 and older Loan - 8.50% 144-180
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Credit Card Rates

Product Rate APR View More
ODFCU VISA Card - 10.99%
No additional details.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Line of Credit 9.75%
No additional details.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Personal Loan 9.75% 1-24 months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Personal Loan 10.25% 25-36 months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Personal Loan 10.75% 37-48 months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Personal Loan 11.75% 49-60 months
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Personal Loan 13.75% 61 months +
Details As Low As
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Personal Loan 18.00%
No additional details.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Omaha Douglas Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Vacation Loans - - 6.99%
Details As Low As; *
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
IRA Shares 0.60% - 0.60%
Details This is a variable rate account. If an account is closed before the end of the month, all dividends are forfeited. Dividends on all accounts are paid on the last day of the month.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Kirby Kangaroo Accounts 0.03% - 0.03%
Details Variable tiered rate account; Dividends on all accounts are paid on the last day of the month.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%
Regular Shares 0.03% - 0.03%
Details Variable tiered rate account; Dividends on all accounts are paid on the last day of the month.
Last Updated 09/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.90%

Financial Health History

Omaha Douglas Federal Credit Union’s Texas Ratio rose from 0.30% in Q2 2023 to 2.90% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.7% 2.0★ 3.4% 3.0★ 5.1% 4.0★ 6.8% 5.0★ Healthy zone – entire history below the 15% limit 0.30% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.90% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$43M2.90%5.0A+
December 31, 2025$42M2.60%5.0A+
September 30, 2025$41M3.22%5.0A+
June 30, 2025$42M5.02%5.0A+
March 31, 2025$42M5.03%5.0A+
December 31, 2024$41M3.35%5.0A+
September 30, 2024$41M2.67%5.0A+
June 30, 2024$40M1.41%5.0A+
March 31, 2024$41M1.95%5.0A+
December 31, 2023$40M1.74%5.0A+
September 30, 2023$40M1.30%5.0A+
June 30, 2023$42M0.30%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Omaha Douglas Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Omaha Douglas Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Omaha Douglas Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Omaha Douglas Federal Credit Union
Address 8251 W Center Rd, Omaha, NE 68124
Phone 402-444-5999
Fax 402-444-5484
President Wayne Hill
CEO Zach Lake
Full-Time Employees 9
Part-Time Employees 3
Branch Locations 2
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.90%
Return on Assets (ROA)
0.3551%
Return on Equity (ROE)
2.6999%
Non-Performing Loans Ratio (NPL)
1.69%
Total Assets
42,742,544
Total Amount of Shares and Deposits
36,907,403
Total Shares and Deposits < 1 Year
36,315,099
Total Shares and Deposits 1 3 Years
592,303
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,609,556
Total Uninsured Shares and Deposits > $250K (F+J)
1,609,556
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,297,847
Total Interest Expense (Sum of items 6 8)
45,059
Share Certificates
82
Number of Accounts for Share Drafts
1,674
IRA KEOGH Accounts
90
Number of Accounts for Regular Shares
3,511
All other shares
2
Money Market Shares
43
Net Income (unless the amount is already included in Undivided Earnings)
156,990
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,128,639
Total Liabilities
37,121,236
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Omaha Douglas Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About Omaha Douglas Federal Credit Union

How many branches does Omaha Douglas Federal Credit Union operate?

Omaha Douglas Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Omaha Douglas Federal Credit Union?

Yes, to access services at Omaha Douglas Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Omaha Douglas Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Omaha Douglas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Omaha Douglas Federal Credit Union offer online and mobile banking?

Most modern institutions like Omaha Douglas Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.omahadouglasfcu.org.

Current Omaha Douglas Federal Credit Union Rates

  • 12-Month CD3.50%
  • 24-Month CD2.50%
  • Savings0.03%
  • MMA0.60%
Retrieved from our database of financial products. Rates subject to change.