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Rates

NNFCU has proudly served Northeast Nebraska since 1962

Northeast Nebraska Federal Credit Union has some of the best rates around.

Shares

Minimum Balance Dividend Rate
APR

APY*
       
Shares *** $5.00 and up $5.00 .10% .10%
         
         
         
  Christmas Club $5.00 .35% .35%
There are also IRA's available. Contact the Credit Union for details.
* APY = Annual Percentage Yield *These are variable rate accounts. Dividend rates may change at anytime without notice. Fees could reduce earnings on the account. APY accurate as of August 28, 2013. ***Minimum balance requirements to receive interest are based upon the calculated average balance per quarter.

 

Certificates

Minimum Deposit Dividend Rate
APR

Term

APY*
Share Certificates $1001-$25,000 $1001.00 .25% 6 month .25%
  $1001.00 .35% 12 month .35%
  $1001.00 .45% 24 month .45%
* APY = Annual Percentage Yield *These dividend rates are fixed for the term. A penalty is imposed for early withdrawal. APY accurate as of August 28, 2013. RATES ARE SUBJECT TO CHANGE.

Certificates

Minimum Deposit Dividend Rate
APR

Term

APY*
Share Certificates $25,000 & ^ $25,000.00 .50% 6 month .50%
  $25,000.00 .75% 12 month .75%
  $25,000.00 1.00% 24 month 1.00%
*A penalty will be imposed for early withdrawal.

 

Auto Loans

Year Term Rate
2011 & newer 60-72 Months as low as 2.99%-up to 16.00% APR
2008, 2009, 2010 60 Months as low as 3.49%-up to 16.00% APR
2005, 2006, 2007 48 Months as low as 4.99%-up to 16.00% APR
2003 & 2004 36 Months as low as 6.99%-up to 16.00% APR
2002 & older 36 Months as low as 9.99%-up to 16.00% APR
*APR=ANNUAL PERCENTAGE RATE LOAN VALUE IS BASED ON 85% OF NADA BOOK’S AVERAGE RETAIL VALUE. IF YOU NEED TO GO 100% OF RETAIL VALUE THE RATE WILL BE 1% HIGHER. SOME RESTRICTIONS DO APPLY. RATES BASED ON CREDIT WORTHINESS. Above rates apply only to NEW loans, no refinancing of old loans to get lower rates. There is a $35.00 application fee on all loans and also a $15.00 late fee if your loan is 10 or more days past due.
 

Motorcycles, Boats, Campers, and Water Craft

Year Term Rate
2011 & newer 60-72 Months 6.99%-16.00% APR
2006-2010 48 Months 7.49%-16.00% APR
2003-2005 36 Months 9.49%-16.00% APR
2002 & older 36 Months 11.49%-16.00% APR
*Some restrictions do apply. Rates according to credit worthiness.

Other Loans

Shared Pledge Maximum term is 24 months
(Share secured with CD's is term
of certificate)
3% higher than last paid dividend
Signature Loan Will loan up to one month's gross salary 13.75% APR
Personal Loan Will loan up to one month's gross salary 10.99%-16.00% APR
Home Equity Loans**   1.50% APR above the prime with a variable rate
All loan rates are subject to change. Interest rate is based on credit rating.*APR= ANNUAL PERCENTAGE RATE **HELOC APR may increase after consumption of the loan.