Rates

Rates effective May 27, 2008. Subject to change without notice.

Savings, Certificates, IRAs

Loans

The loan rates below are our lowest loan rates currently available and include a .25% discount for automatic/electronic payments. Your loan rate is based on your credit history and may differ from the listed APR.

Fees


 
 
Share Savings
2nd Quarter 2008 Prospective Rates

Investment Calculator
Type of Account Dividend Rate APY*
Savings, Club Accounts, IRA Share Accounts 1.737% 1.750%
Share Checking ($500 Minimum Average Daily Balance to earn dividends) 0.748% 0.750%

Share Certificates
Includes Regular and IRA Certificates. Certificates subject to $500 minimum balance and early withdrawal penalty.

Investment Calculator
Term Dividend Rate APY*
6-month 3.252% 3.300%
12-month 3.300% 3.350%
24-month 3.639% 3.700%
36-month 3.688% 3.750%
48-month 3.929% 4.000%

*APY = Annual Percentage Rate. All Share Rates are subject to change without notice.

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Loan Interest Rates

The following loan rates are our lowest loan rates currently available and include a .25% discount for automatic/electronic payments. Your loan rate is based on your credit history and may differ from the listed APR.
 
 
Vehicle Loans

New Vehicles and Used Vehicles up to 15 years old - Rates & Terms

Payment Calculator
Terms up to APR* Approximate Monthly Payment Per $1,000.00
36 Month 4.50% $29.76
48 Month 5.00% $23.04
60 Month 5.00% $18.88
72 Month 6.00% $16.58
84 Month 6.00% $14.62

Repayment terms are limited as follows based on the age of the vehicle:

  • New & Used vehicles up to 4 years old - 72-84 months maximum repayment with some restrictions.
  • 5-7 year old used vehicles - 60 months maximum repayment with some restrictions.
  • 8-10 year old used vehicles - 36 months maximum repayment
  • 11-15 year old used vehicles - 24 months maximum repayment

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    Home Equity and FHA Home Improvement Loans

    Payment Calculator
    Terms up to APR* Approximate Monthly Payment Per $1,000.00
    60 Month 5.00% $18.88
    120 Month 6.00% $11.11

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    Home Equity Line-of-Credit

    Variable Rate Loan - please call the Credit Union for most current rates.
    402-436-5365
    800-588-5365 Toll-Free

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    Personal Loans

    Payment Calculator
    Terms up to APR* Approximate Monthly Payment Per $1,000.00
    36 Month 8.75% $31.69

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    Recreational Vehicles
    Recreational Vehicles include Motor Homes, Travel Trailers, Motorcycles, ATVs, Camping Trailers, and Boats. The maximum repayment term is limited based on the age of the vehicle.

    Rates & Terms

    New Recreational Vehicles & Used Recreational Vehicle up to 15 years old

    Payment Calculator
    Terms up to APR* Approximate Monthly Payment Per $1,000.00
    36 Month 4.50% $29.76
    48 Month 5.00% $23.04
    60 Month 5.00% $18.88
    84 Months 6.00% $14.62

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    Share Secured Loans

    Payment Calculator
    Terms up to APR* Approximate Monthly Payment Per $1,000.00
    36 months 4.500% $29.76
    60 months 5.000% $18.88

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    Nebraska Dollar and Energy Saving Loans

    Payment Calculator
    Terms up to APR* Approximate Monthly Payment Per $1,000.00
    36 Month (check with Credit Union for availability of longer terms.) 5.00% $29.98

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    Other Secured Loans
    Including: Stock-secured, Purchase of household goods, or Antique autos

    Payment Calculator
    Terms up to APR* Approximate Monthly Payment Per $1,000.00
    36 Month 4.50% $29.76

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    *APR = Annual Percentage Rate


     
     
    Fees and Charges

    ATM Transactions Eight free per month; $1.00 each thereafter
    Balancing of Checking Accounts $15.00 per hour
    Canceled Check Copies $1.00 per check
    Cashier's Checks $2.00
    Check Orders Direct cost to member
    Non-sufficient Funds (NSF) charges:  
        Item/Transaction paid into overdraft $15.00 per item
        Item/Transaction returned for NSF $15.00 per item
    Money Orders $1.00
    Negative balance fee $3.00 per day account is negative; (NSF fee applies)
    Overdraft Protection Transfers:  
      From Loan account ($50.00 increments; NSF fee waived)
    		$3.00
      From Savings Account (Limit six per month; $50.00 increments; NSF fee waived)
    		$3.00
    Return deposit charge $5.00
    Statement Copy $1.00 per statement
    Stop-payment Orders $15.00 per check
    Transaction history One free per month; $1.00 per page thereafter
    Travelers Cheques for One No charge
    Travelers Cheques for Two $0.50 per $100 purchased
    DebitCard copy of Sales Draft $2.00 per sales draft
    Replacement of debit card $5.00 if 2nd replacement card within 12 months
    Dormant Account Fee (only applies to members with a savings balance of less than $20 and no activity for more than one year) $5.00 per quarter
    Wire Transfers:  
        Outgoing $10.00
        Incoming No Charge
    Telephone Notification No Charge

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