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OneNebraska Federal Credit Union Rates & Review April 2026

OneNebraska Federal Credit Union's Jumbo CD 11 month rates are at 3.90%, 3 Month CD rates are at 3.90%, IRA CD 12 month rates are at 3.00%, 48 Month CD rates are at 2.90%, 6 Month CD rates are at 2.80%. OneNebraska Federal Credit Union's savings rates are at 0.01%. OneNebraska Federal Credit Union's Personal Loan Rates are at 11.50%. MonitorBankRates evaluates the financial stability of OneNebraska Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.77%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
11.77%
Excellent Higher than avg
OneNebraska Federal Credit Union
OneNebraska FCU
2472 39th Ave
Columbus, NE 68601 2255
https://www.bankingwithyou.com
Member NCUA

OneNebraska Federal Credit Union CD Rates

Product Rate APY Term View More
Jumbo Share Certificate 11 month 3.84% 3.90% 11 Months
Min Deposit $100,000
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
3 Month Share Certificate 3.84% 3.90% 3 Month
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
IRA Share Certificate 12 month 2.97% 3.00% 12 Months
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
48 Month Share Certificate 2.87% 2.90% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
6 Month Share Certificate 2.77% 2.80% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
12 Month Share Certificate 2.72% 2.75% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
18 Month Share Certificate 2.67% 2.70% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
24 Month Share Certificate 2.58% 2.60% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%

OneNebraska Federal Credit Union Savings Rates

Product Rate APY View More
High Yield Savings 0.45% 0.45%
Min Deposit $2,500
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
High Yield Savings 0.40% 0.40%
Min Deposit $2,500
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
High Yield Savings 0.30% 0.30%
Min Deposit $2,500
Min Balance $25,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
High Yield Savings 0.25% 0.25%
Min Deposit $2,500
Min Balance $2,500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
IRA Savings 0.10% 0.10%
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Regular Savings 0.02% 0.02%
Min Deposit $25
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Christmas Club 0.01% 0.01%
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
High Yield Savings 0.01% 0.01%
Min Deposit $2,500
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Second Savings 0.01% 0.01%
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%

OneNebraska Federal Credit Union Checking Rates

Product Rate APY View More
HSA Checking 0.02% 0.02%
Min Deposit $25
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Premier Checking 0.02% 0.02%
Min Deposit $25
Min Balance $300
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%

OneNebraska Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 4.50% 36
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
New Auto Loan - - 4.80% 60
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
New Auto Loan - - 5.20% 72
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Used Auto Loan (2025-2023) - - 5.20% 36
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Used Auto Loan (2025-2023) - - 5.45% 60
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
New Auto Loan - - 5.55% 84
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Used Auto Loan (2025-2023) - - 5.95% 84
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Used Auto Loan (2022-2019) - - 6.40% 48
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Used Auto Loan (2022-2019) - - 6.95% 60
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Used Auto Loan (2022-2019) - - 7.05% 72
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older) - - 8.20% 48
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older) - - 8.70% 60
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%

OneNebraska Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Installment - 11.50%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 11.77%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for OneNebraska 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 OneNebraska 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 OneNebraska Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OneNebraska Federal Credit Union
Address 2472 39th Ave, Columbus, NE 68601 2255
Phone 402-563-4597
Fax
President Daniel Fuchs
CEO Brian Christensen
Full-Time Employees 30
Part-Time Employees 3
Branch Locations 3
ATM Locations 5
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.77%
Return on Assets (ROA)
-0.7527%
Return on Equity (ROE)
-7.1631%
Non-Performing Loans Ratio (NPL)
1.61%
Total Assets
105,523,775
Total Amount of Shares and Deposits
94,124,065
Total Shares and Deposits < 1 Year
92,647,295
Total Shares and Deposits 1 3 Years
1,392,087
Total Shares and Deposits > 3 Years
84,683
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,977,094
Total Uninsured Shares and Deposits > $250K (F+J)
2,977,094
Total Insured Shares and Deposits > $250K (item 17 less item K)
91,146,971
Total Interest Expense (Sum of items 6 8)
990,783
Share Certificates
761
Number of Accounts for Share Drafts
4,407
IRA KEOGH Accounts
153
Number of Accounts for Regular Shares
9,452
All other shares
26
Money Market Shares
511
Net Income (unless the amount is already included in Undivided Earnings)
-794,291
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,583,679
Total Liabilities
94,457,080
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About OneNebraska Federal Credit Union

Is OneNebraska Federal Credit Union a safe place to deposit money?

Yes, OneNebraska Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 11.77377344446%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does OneNebraska Federal Credit Union operate?

OneNebraska 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 OneNebraska Federal Credit Union?

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

Does OneNebraska Federal Credit Union offer online and mobile banking?

Most modern institutions like OneNebraska 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.bankingwithyou.com.

Current OneNebraska Federal Credit Union Rates

  • 12-Month CD2.75%
  • 18-Month CD2.70%
  • 24-Month CD2.60%
  • Savings0.01%
Retrieved from our database of financial products. Rates subject to change.