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First Nebraska Credit Union Rates & Review August 2026

First Nebraska Credit Union's 12 Month initial term promo rate rates are at 3.75%, 12-mo. Term CD rates are at 3.75%, 6 Month initial term promo rate rates are at 3.60%, 6-mo. Term CD rates are at 3.60%, REWARDS CD 18 month rates are at 3.10%. First Nebraska Credit Union's savings rates are at 0.05%. First Nebraska Credit Union's money market rates are at 0.10%. First Nebraska Credit Union's Personal Loan Rates are at 4.70%. MonitorBankRates evaluates the financial stability of First Nebraska Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.00%. Rates last updated and verified on 08/28/2026.

First Nebraska 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 First Nebraska Credit Union? Share your experience about First Nebraska Credit Union by leaving a review below, or read customer reviews before you decide to use First Nebraska Credit Union.

MonitorBankRates Verified Strong Badge 2026 Verified Strong 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 ?
3.00%
Excellent Lower than avg
First Nebraska Credit Union
Bedford Branch
10655 Bedford Ave
Omaha, NE 68134
https://www.firstnebraska.org
Member NCUA

First Nebraska Credit Union CD Rates

Product Rate APY Term View More
12 Month initial term promo rate 3.70% 3.75% 12 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
12-mo. Term Share Certificate - 3.75% 12 months
Details (initial term)
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
6 Month initial term promo rate 3.55% 3.60% 6 months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
6-mo. Term Share Certificate - 3.60% 6 months
Details (initial term)
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 18 month 3.07% 3.10% 18 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 24 month 3.02% 3.05% 24 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
18 month 2.97% 3.00% 18 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 36 month 2.97% 3.00% 36 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
24 month 2.92% 2.95% 24 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 48 month 2.92% 2.95% 48 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
36 month 2.87% 2.90% 36 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 60 month 2.87% 2.90% 60 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
48 month 2.82% 2.85% 48 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 12 month 2.82% 2.85% 12 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
60 month 2.77% 2.80% 60 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
12 month 2.72% 2.75% 12 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 9 month 2.58% 2.60% 9 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
9 month 2.48% 2.50% 9 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
REWARDS TERM SHARE 6 month 2.33% 2.35% 6 Months
Min Balance $500
Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
6 month 2.23% 2.25% 6 Months
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%

First Nebraska Credit Union Savings Rates

Product Rate APY View More
SUPERSAVER FUND 1.34% 1.35%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
SUPERSAVER FUND 1.19% 1.20%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
SUPERSAVER FUND 1.09% 1.10%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
Savings 0.25% 0.25%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
Savings 0.12% 0.12%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
Savings 0.07% 0.07%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
CHRISTMAS CLUB 0.05% 0.05%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
Savings 0.05% 0.05%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
SAVVY SAVER 0.05% 0.05%
Min Deposit $5
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
VACATION CLUB 0.05% 0.05%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%

First Nebraska Credit Union Checking Rates

Product Rate APY View More
MONEY MARKET CHECKING 0.20% 0.20%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
MONEY MARKET CHECKING 0.10% 0.10%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
Share Draft Checking Account 0.05% 0.05%
Min Balance $1,000
Details Rates effective as of 6/22/2023 and are subject to change. Dividends are compounded using the average daily balance method. Dividends accrue through the last day of each monthly period and are posted to the account the last day of each month. Dividend rates vary at FNCU's discretion and are subject to change at any time without notice. Fees or other conditions could reduce APY.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
Share Draft Checking Account - Premier Plus 0.05% 0.05%
Details Qualifications Required: 35 eligible debit card transactions; enrolled in eStatements; direct deposit; To earn the higher Premier Plus dividend rate, the account must post and settle at least 35 eligible debt card transactions, be enrolled in eStatements and have direct deposit. If all criteria are met during the statement cycle, the account will earn the Premier Plus dividend rate listed above. If all criteria are not met, the account will earn the standard dividend rate listed above. Eligible transactions include all approved PIN or signature-based purchases. ATM transaction are not eligible. Rates effective as of 6/22/2023 and are subject to change. Dividends are compounded using the average daily balance method. Dividends accrue through the last day of each monthly period and are posted to the account the last day of each month. Dividend rates vary at FNCU's discretion and are subject to change at any time without notice. Fees or other conditions could reduce APY.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%

First Nebraska Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Home Equity Lines (Fixed HELOC's) - - 6.49% 60 month draw period, then up to 84 months repayment
Details Fixed rate 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. Available for primary residences located in Nebraska or Pottawattamie County in Iowa.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%
HOME EQUITY LINE OF CREDIT (HELOC) (Variable Rate) - - 6.75% 120 month draw period
Details Intro for the first 12 months, then adjusts to Prime; Variable Rate; Up to 80% appraised value
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%

First Nebraska Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.70%
Details As Low As; 2024 and newer
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.00%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for First Nebraska 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 First Nebraska 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 First Nebraska Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Nebraska Credit Union
Address 10655 Bedford Ave, Omaha, NE 68134
Phone 402-492-9100
Fax 402-827-1573
President Julie Beers
CEO Dale Kovar
Full-Time Employees 44
Part-Time Employees 12
Branch Locations 5
ATM Locations 6
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
3.00%
Return on Assets (ROA)
0.8405%
Return on Equity (ROE)
5.4132%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
180,772,026
Total Amount of Shares and Deposits
153,118,988
Total Shares and Deposits < 1 Year
150,249,436
Total Shares and Deposits 1 3 Years
2,443,614
Total Shares and Deposits > 3 Years
425,938
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,676,847
Total Uninsured Shares and Deposits > $250K (F+J)
5,676,847
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,442,141
Total Interest Expense (Sum of items 6 8)
1,441,947
Share Certificates
1,316
Number of Accounts for Share Drafts
6,536
IRA KEOGH Accounts
413
Number of Accounts for Regular Shares
18,416
All other shares
487
Money Market Shares
230
Net Income (unless the amount is already included in Undivided Earnings)
1,519,439
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)
5,374,375
Total Liabilities
154,123,426
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

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Customer Reviews

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Frequently Asked Questions About First Nebraska Credit Union

How many branches does First Nebraska Credit Union operate?

First Nebraska 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 First Nebraska Credit Union?

Yes, to access services at First Nebraska 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, First Nebraska 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, First Nebraska Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Nebraska Credit Union offer online and mobile banking?

Most modern institutions like First Nebraska 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.firstnebraska.org.

Current First Nebraska Credit Union Rates

  • 12-Month CD2.75%
  • 18-Month CD3.00%
  • 24-Month CD2.95%
  • 60-Month CD2.80%
  • Savings0.05%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.