What are the current interest rates at First Nebraska Credit Union?

Current rates for First Nebraska Credit Union include: 12-Month CD: 2.75%, 18-Month CD: 3.00%, 24-Month CD: 2.95%, 60-Month CD: 2.80%, Savings: 0.05%, MMA: 0.10%

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First Nebraska Credit Union

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First Nebraska Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

First Nebraska Credit Union's 12 Month initial term promo rate rates are at 3.75%, 12 Month Term CD rates are at 3.75%, 6 Month initial term promo rate rates are at 3.60%, 6 Month Term CD rates are at 3.60%, 18 month REWARDS CD 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 Auto Loan Rates are as low as 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 1.98%. Rates last updated and verified on 09/22/2026.

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.

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

1.98%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Nebraska Credit Union
Bedford Branch

10655 Bedford Ave
Omaha, NE 68134

https://www.firstnebraska.org

First Nebraska Credit Union CD Rates

Product	Rate	APY	Term
12 Month initial term promo rate	3.70%	3.75%	12 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
12 Month Term Share Certificate	-	3.75%	12-mo.
Details (initial term) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
6 Month initial term promo rate	3.55%	3.60%	6 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
6 Month Term Share Certificate	-	3.60%	6-mo.
Details (initial term) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
18 month REWARDS TERM SHARE	3.07%	3.10%	18 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
24 month REWARDS TERM SHARE	3.02%	3.05%	24 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
36 month REWARDS TERM SHARE	2.97%	3.00%	36 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
18 month TERM SHARE	2.97%	3.00%	18 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
48 month REWARDS TERM SHARE	2.92%	2.95%	48 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
24 month TERM SHARE	2.92%	2.95%	24 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
60 month REWARDS TERM SHARE	2.87%	2.90%	60 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
36 month TERM SHARE	2.87%	2.90%	36 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
12 month REWARDS TERM SHARE	2.82%	2.85%	12 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
48 month TERM SHARE	2.82%	2.85%	48 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
60 month TERM SHARE	2.77%	2.80%	60 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
12 month TERM SHARE	2.72%	2.75%	12 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
9 month REWARDS TERM SHARE	2.58%	2.60%	9 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
9 month TERM SHARE	2.48%	2.50%	9 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
6 month REWARDS TERM SHARE	2.33%	2.35%	6 Months
Min Balance $500 Details **REWARDS RATES REQUIRE CHECKING ACCOUNT RELATIONSHIP Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
6 month TERM SHARE	2.23%	2.25%	6 Months
Min Balance $500 Details Balance: $500 Minimum Balance Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

First Nebraska Credit Union Savings Rates

Product	Rate	APY
SUPERSAVER FUND	1.34%	1.35%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
SUPERSAVER FUND	1.19%	1.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
SUPERSAVER FUND	1.09%	1.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Savings Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Savings Account	0.12%	0.12%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Savings Account	0.07%	0.07%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
CHRISTMAS CLUB	0.05%	0.05%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Savings Account	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
SAVVY SAVER	0.05%	0.05%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
VACATION CLUB	0.05%	0.05%
Min Balance $100 Details APY* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

First Nebraska Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Money Market Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

First Nebraska Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Lines	-	-	6.49%
Details Additional APR listed for this product: 9.50%. Fixed HELOC's are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. The APR is a fixed rate (range 6.49% to 9.50%) 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. Credit Limit is dependent on the value of the subject property. For Loan lines up to $100,000, closing costs typically range between $225 and $1,000. The closing costs depend on the location of the property and the amount of the equity loan. The minimum loan amount is $250,000. Minimum advance is $300. Interest is charged from date of the loan advance and is calculated based on the Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
HOME EQUITY LINE OF CREDIT (HELOC) (Variable Rate)	-	-	7.00%	120 month
Details Term: 120 month draw period; Intro for the first 12 months, then adjusts to Prime; As Low As; Variable Rate; Up to 80% appraised value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
Premier Home Equity Lines	-	-	9.50%
Details Premier HELOC's are variable-rate products and the APR, payment, or term may change. The APR is based on the Wall Street Journal Prime. The APR will change semi-annually on January 1 and July 1. The APR for 85% CLTV is Prime rate +0%. The minimum rate is 3.99% APR, unless discounted for the first 12 months. The maximum APR that can apply is 9.50%, 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. Credit Limit is dependent on the value of the subject property. For Loan lines up to $100,000, closings costs typically range between $225 and $1,000. The closing costs depend on the location of the property and the amount of the equity line. The maximum loan amount is $250,000. Minimum advance is $300. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day. At the end of the 120 month draw period, loan enters a repayment period up to 120 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

First Nebraska Credit Union Other Rates

Product	Rate	Points	APY/APR
ADVANTAGE PLUS	1.74%	-	1.75%
Min Balance $2,500 Details ADVANTAGE PLUS - *REQUIRES SECURE OR PREMIER CHECKING ACCOUNT RELATIONSHIP; Balance: $2,500 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
ADVANTAGE PLUS	1.93%	-	1.95%
Min Balance $10,000 Details ADVANTAGE PLUS - *REQUIRES SECURE OR PREMIER CHECKING ACCOUNT RELATIONSHIP; Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
ADVANTAGE PLUS	2.13%	-	2.15%
Min Balance $25,000 Details ADVANTAGE PLUS - *REQUIRES SECURE OR PREMIER CHECKING ACCOUNT RELATIONSHIP; Balance: $25,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
ADVANTAGE PLUS	2.33%	-	2.35%
Min Balance $100,000 Details ADVANTAGE PLUS - *REQUIRES SECURE OR PREMIER CHECKING ACCOUNT RELATIONSHIP; Balance: $100,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
PREMIER	0.75%	-	0.75%
Min Balance $2,500 Details Balance: $2,500 - OVER (Standard dividend) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
PREMIER	1.98%	-	2.00%
Min Balance $0 Details Balance: Up to $10,000 (Premier Plus dividend rate**) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
PREMIER	0.75%	-	0.75%
Min Balance $10,000 Details Balance: $10,000.01 - OVER (Premier Plus dividend rate**) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Nebraska Credit Union’s Texas Ratio fell from 3.62% in Q2 2023 to 1.98% in Q1 2026, so its financial health has improved and is now 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$183M	1.98%	5.0	A+
December 31, 2025	$182M	2.09%	5.0	A+
September 30, 2025	$181M	3.00%	5.0	A+
June 30, 2025	$184M	4.80%	5.0	A+
March 31, 2025	$187M	1.95%	5.0	A+
December 31, 2024	$183M	2.15%	5.0	A+
September 30, 2024	$182M	4.05%	5.0	A+
June 30, 2024	$180M	2.15%	5.0	A+
March 31, 2024	$182M	1.81%	5.0	A+
December 31, 2023	$185M	2.66%	5.0	A+
September 30, 2023	$185M	1.89%	5.0	A+
June 30, 2023	$181M	3.62%	5.0	A+

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 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

Website https://www.firstnebraska.org

Address 10655 Bedford Ave, Omaha, NE 68134

Phone 402-492-9100

Fax 402-827-1573

President Julie Beers

CEO Dale Kovar

Full-Time Employees 47

Part-Time Employees 10

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

1.98%

Return on Assets (ROA)

0.1038%

Return on Equity (ROE)

0.6636%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

183,129,286

Total Amount of Shares and Deposits

155,137,812

Total Shares and Deposits < 1 Year

153,060,696

Total Shares and Deposits 1 3 Years

1,724,070

Total Shares and Deposits > 3 Years

353,046

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

5,835,376

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

5,835,376

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

149,302,436

Total Interest Expense (Sum of items 6 8)

419,165

Share Certificates

1,271

Number of Accounts for Share Drafts

6,586

IRA KEOGH Accounts

391

Number of Accounts for Regular Shares

18,160

All other shares

465

Money Market Shares

283

Net Income (unless the amount is already included in Undivided Earnings)

190,111

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)

6,402,642

Total Liabilities

155,806,988

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

First Nebraska Credit Union earned the Verified Healthy 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.

Compare to Other Credit Unions

First Nebraska Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Nebraska Credit Union Texas Ratio

First Nebraska Credit Union Health Trend

First Nebraska Credit Union CD Rates

First Nebraska Credit Union Savings Rates

First Nebraska Credit Union Checking Rates

First Nebraska Credit Union Home Equity & HELOC

First Nebraska Credit Union Auto Loan Rates

First Nebraska Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Nebraska Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Nebraska Credit Union

How many branches does First Nebraska Credit Union operate?

Is a member application needed to join First Nebraska Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Nebraska Credit Union offer online and mobile banking?

Current First Nebraska Credit Union Rates

Compare to Other Credit Unions