What are the current interest rates at Nebraska Energy Federal Credit Union?

Current rates for Nebraska Energy Federal Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.50%, Savings: 0.15%

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Nebraska Energy Federal Credit Union

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Nebraska Energy Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Nebraska Energy Federal Credit Union's 6 Month CD Special - Limited Time rates are at 3.90%, CD Special 6 Month rates are at 3.90%, 1 Year CD rates are at 3.70%, IRA 12 Month CD rates are at 3.70%, 2 Year CD rates are at 3.50%. Nebraska Energy Federal Credit Union's savings rates are at 0.15%. Nebraska Energy Federal Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Nebraska Energy Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates last updated and verified on 08/28/2026.

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

Ranked #60 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

Nebraska Energy Federal Credit Union
Main Office

1414 15th St
Columbus, NE 68601

https://www.ne-fcu.org/

Nebraska Energy Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificate Special - Limited Time	-	3.90%	6 Month
Min Deposit $5,000 Details Limit One Per Member Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Share Certificate Special 6 Month	-	3.90%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
1 Year Share Certificate	-	3.70%	1 Year
Min Deposit $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA 12 Month Certificate	-	3.70%	12 Month
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
2 Year Share Certificate	-	3.50%	2 Year
Min Deposit $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Nebraska Energy Federal Credit Union Savings Rates

Product	Rate	APY
Savings	-	2.00%
Min Deposit $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Savings	-	0.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Nebraska Energy Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	-	0.15%
Min Deposit $25 Details Monthly Dividend Earned on Average Balance of $300.00 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Nebraska Energy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.00%
Details As Low As; Loan amounts of $5,000 - $50,000; Estimated Fees as low as $168.00; Up to 80% of Appraised or Assessed Home Value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
HELOC Open-End Line of Credit	-	-	6.75%
Details As Low As; Up to 95% assessed or 90% appraised home value less other liens. Estimated fees as low as $168.002 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Line of Credit	-	-	7.75%
Details As Low As; Loan amounts of $5,000 - $50,000; Estimated Fees as low as $168.00; Up to 90% Appraised or 95% Assessed Home Value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Nebraska Energy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Titled Autos & Recreational Vehicles	-	-	5.00%	Up to 72 Months
Details As Low As; 100% of NADA Book Retail Value. Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90† Days to First Payment. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Used Titled Autos & Recreational Vehicles	-	-	5.85%	Up to 72 Months
Details 100% of NADA Book Retail Value. Full Coverage Insurance required. Add on for tax & licensing. Up to 90† days to first payment. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Previously Salvaged Vehicles Loan	-	-	6.85%	Up to 72 Months
Details As Low As; 70% of NADA Book Retail Value. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Nebraska Energy Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Rewards MasterCard® Credit Card	-	10.90%
Details 1.5% Cash Back on ALL purchases; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Nebraska Energy Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	10.50%
Details Maximum $30,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Nebraska Energy 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 Nebraska Energy 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 Nebraska Energy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Nebraska Energy Federal Credit Union

Website https://www.ne-fcu.org/

Address 1414 15th St, Columbus, NE 68601

Phone 402-563-5900

Fax 402-563-5005

President Jedediah Fischer

CEO Julie Haney

Full-Time Employees 26

Part-Time Employees 1

Branch Locations 1

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+ (100/100)

Texas Ratio

0.22%

Return on Assets (ROA)

0.9091%

Return on Equity (ROE)

4.8342%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

318,429,937

Total Amount of Shares and Deposits

256,525,477

Total Shares and Deposits < 1 Year

203,166,956

Total Shares and Deposits 1 3 Years

53,358,521

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,593,728

Total Uninsured Shares and Deposits > $250K (F+J)

4,733,940

Total Insured Shares and Deposits > $250K (item 17 less item K)

251,791,537

Total Interest Expense (Sum of items 6 8)

4,764,993

Share Certificates

1,619

Number of Accounts for Share Drafts

4,609

IRA KEOGH Accounts

526

Number of Accounts for Regular Shares

13,975

Non Member Deposits

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)

32,734,561

Total Liabilities

258,538,820

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Nebraska Energy Federal Credit Union earned the Top 100 Healthiest 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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       alt="Ranked #60 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Nebraska Energy Federal Credit Union

How many branches does Nebraska Energy Federal Credit Union operate?

Nebraska Energy 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 Nebraska Energy Federal Credit Union?

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

Does Nebraska Energy Federal Credit Union offer online and mobile banking?

Most modern institutions like Nebraska Energy 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.ne-fcu.org/.