MonitorBankRates
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
  1. Home
  2. Credit Unions
  3. Nebraska Energy Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Nebraska Energy Federal Credit Union Rates & Review September 2026

Nebraska Energy Federal Credit Union's 6 Month CD Special rates are at 3.90%, 6 Month CD Special 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 as low as 10.50%. Nebraska Energy Federal Credit Union's Credit Card Rates are at 10.90%. 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 0.11%. Rates last updated and verified on 09/21/2026.

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 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026 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 ?
0.11%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Nebraska Energy Federal Credit Union
Main Office
1414 15th St
Columbus, NE 68601
https://www.ne-fcu.org/
Member NCUA

Nebraska Energy Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Share Certificate Special - 3.90% 6 Month
Min Deposit $5,000
Details Limited Time; Limit One Per Member
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
6 Month Share Certificate Special - 3.90% 6 Month
Details APY*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
1 Year Share Certificate - 3.70% 1 Year
Min Deposit $5,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
IRA 12 Month Certificate - 3.70% 12 Month
Min Deposit $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
2 Year Share Certificate - 3.50% 2 Year
Min Deposit $5,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union Savings Rates

Product Rate APY View More
Savings - 2.00%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500.01 & Up
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Savings - 0.15%
Min Deposit $0
Min Balance $0
Details Balance: $0.00 - $2,500.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union Checking Rates

Product Rate APY View More
Checking - 0.15%
Min Deposit $25
Min Balance $300
Details Monthly Dividend Earned on Average Balance of $300.00 or more.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Home Repair and Remodeling Loan - - 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 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
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 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
HELOC Home Repair and Remodeling Loan - - 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 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Titled Autos & Recreational Vehicles - - 4.75% Up to 72 Months
Details Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
New Titled Autos & Recreational Vehicles - - 4.75% Up to 84 Months
Details Term: Up to 84 Months/ over $30,001; Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Used Titled Autos & Recreational Vehicles - - 5.60% Up to 72 Months
Details Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance required.; Add on for tax & licensing.; Up to 90 days to first payment.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Previously Salvaged Vehicles Loan - - 6.85% Up to 72 Months
Details 70% of NADA Book Retail Value.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Classic Cars Loan - - 10.85% Up to 72 Months
Details 50% of Classic Car Value "Good."
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Titled Autos & Recreational Vehicles - 4.75% Up to 72 Months
Details Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
New Titled Autos & Recreational Vehicles - 4.75% Up to 84 Months
Details Term: Up to 84 Months/ over $30,001; Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Used Titled Autos & Recreational Vehicles - 5.60% Up to 72 Months
Details Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance required.; Add on for tax & licensing.; Up to 90 days to first payment.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
New Titled Recreational Vehicles Extended Terms Loan - 7.00% Up to 96 Months
Details $30,001 to $50,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Used Titled Recreational Vehicles Extended Terms Loan - 7.85% Up to 96 Months
Details $30,001 to $50,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
New Titled Recreational Vehicles Extended Terms Loan - 8.00% Up to 120 Months
Details $30,001 to $50,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Used Titled Recreational Vehicles Extended Terms Loan - 8.85% Up to 120 Months
Details $30,001 to $50,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

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 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 10.50% Up to 72 Months
Details As Low As; Maximum $30,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Nebraska Energy Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Vacation Loan - - 5.00% Up to 12 Months
Details As Low As; Maximum $3,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%
Holiday Account - - 2.00%
Min Deposit $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.11%

Financial Health History

Nebraska Energy Federal Credit Union’s Texas Ratio stayed near 0.60% in Q2 2023 to 0.11% in Q1 2026, so its financial health has stayed 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.

0% 1.0★ 0.3% 2.0★ 0.6% 3.0★ 0.8% 4.0★ 1.1% 5.0★ Healthy zone – entire history below the 15% limit 0.60% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.11% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$330M0.11%5.0A+
December 31, 2025$320M0.33%5.0A+
September 30, 2025$318M0.22%5.0A+
June 30, 2025$320M0.44%5.0A+
March 31, 2025$323M0.35%5.0A+
December 31, 2024$318M0.62%5.0A+
September 30, 2024$318M0.82%5.0A+
June 30, 2024$312M0.42%5.0A+
March 31, 2024$309M0.06%5.0A+
December 31, 2023$304M0.20%5.0A+
September 30, 2023$307M0.47%5.0A+
June 30, 2023$316M0.60%5.0A+
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 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
Address 1414 15th St, Columbus, NE 68601
Phone 402-563-5900
Fax 402-563-5005
President Jedediah Fischer
CEO Julie Haney
Full-Time Employees 25
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
0.11%
Return on Assets (ROA)
0.3081%
Return on Equity (ROE)
1.6357%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
329,619,241
Total Amount of Shares and Deposits
265,774,395
Total Shares and Deposits < 1 Year
212,618,731
Total Shares and Deposits 1 3 Years
53,155,664
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,921,521
Total Uninsured Shares and Deposits > $250K (F+J)
6,061,733
Total Insured Shares and Deposits > $250K (item 17 less item K)
259,712,662
Total Interest Expense (Sum of items 6 8)
1,558,709
Share Certificates
1,631
Number of Accounts for Share Drafts
4,615
IRA KEOGH Accounts
514
Number of Accounts for Regular Shares
13,999
Non Member Deposits
1
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)
42,664,336
Total Liabilities
267,525,611
Source: NCUA — Last Updated 03/31/2026
Ranked #60 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026
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.

<a href="https://monitorbankrates.com/credit-unions/nebraska-energy-federal-credit-union-rates-review-24286">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #60 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>
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

There are no reviews for Nebraska Energy Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Nebraska Energy Federal Credit Union
Your Name:
Your Rating:

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/.

Current Nebraska Energy Federal Credit Union Rates

  • 12-Month CD3.70%
  • 24-Month CD3.50%
  • Savings0.15%
Retrieved from our database of financial products. Rates subject to change.