Nebraska Dollar and Energy Saving 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
1st Quarter 2010 Prospective Rates
Investment Calculator
| Type of Account |
Dividend Rate |
APY* |
| Savings, Club Accounts, IRA Share Accounts |
1.243% |
1.250% |
| Share Checking ($500 Minimum Average Daily Balance to earn dividends) |
0.499% |
0.500% |
Share Certificates
Includes Regular and IRA Certificates. Certificates are subject to a $500 minimum balance and an early withdrawal penalty.
Investment Calculator
| Term |
Dividend Rate |
APY* |
| 6-month |
1.342% |
1.350% |
| 12-month |
1.737% |
1.750% |
| 24-month |
2.130% |
2.150% |
| 36-month |
2.619% |
2.650% |
| 48-month |
2.765% |
2.800% |
*APY = Annual Percentage Yield. All Share Rates/Yields are subject to change without prior 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, Recreational Vehicle Loans and Other Secured Loans
Payment Calculator
| Terms up to |
APR* |
Approximate Monthly Payment Per $1,000.00 |
| 36 Month |
4.00% |
$29.53 |
| 48 Month |
4.75% |
$22.91 |
| 60 Month |
4.75% |
$18.75 |
| 72 Month |
6.00% |
$16.57 |
| 84 Month |
6.00% |
$14.60 |
Repayment terms are based on the value of the vehicle/security.
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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 |
4.75% |
$18.75 |
| 120 Month |
6.00% |
$11.10 |
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Home Equity Line-of-Credit
Variable Rate Loan - please call the Credit Union for most current rates.
402-436-5365 Lincoln
402-223-4204 Beatrice
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 |
9.25% |
$31.92 |
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Share Secured Loans
Payment Calculator
| Terms up to |
APR* |
Approximate Monthly Payment Per $1,000.00 |
| 36 months |
4.000% |
$29.53 |
| 60 months |
4.750% |
$18.75 |
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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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*APR = Annual Percentage Rate
Fees and Charges
| ATM Transactions |
Eight free per month; $1.00 each thereafter |
| Address Correction/Bad Address (mail returned) |
$5.00 per mailing |
| Balancing of Checking Accounts |
$20.00 per hour |
| Canceled Check Copies |
$1.00 per check |
| Cashier's Checks |
$2.00 |
| Check Cashing (waived if $500 average balance last 3 months or active & current loan or age 18 or younger or 50% of check is deposited) |
$2.00 per $100 ($2 min.) |
| Check Orders |
Direct cost to member |
| Credit Union Check with alternate payee |
$1.00 |
| DebitCard copy of Sales Draft |
$2.00 per sales draft |
| Debit Card Replacement |
$5.00 after replaced once in past 12 months |
| Dormant Account Fee (only applies if savings balance is less than $20 and inactivity greater than 12 months) |
$5.00 per quarter |
| Non-sufficient Funds (NSF) charges: |
|
| Item/Transaction paid into overdraft |
$20.00 per item |
| Item/Transaction returned for NSF |
$20.00 per item |
| Money Orders |
$1.00 |
| Negative balance fee |
$3.00 per day account is negative after 5 days; (NSF fee applies) |
| Overdraft Protection Transfers: |
|
| |
From Loan account ($50.00 increments; NSF fee waived) |
|
$0.00 |
| |
From Savings Account (Limit six per month; $50.00 increments; NSF fee waived) |
|
$0.00 |
| Re-Open Membership Account within 6 months of closing |
$20.00 |
| Return deposit charge |
$5.00 |
| Statement Copy |
$1.00 per statement |
| Stop-payment Orders |
$20.00 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 |
| Wire Transfers: |
|
| Outgoing |
$10.00 |
| Incoming |
No Charge |
| Account Reasearch |
$20 per hour |
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