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NNFCU has proudly served Northeast Nebraska since 1962

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


Minimum Balance Dividend Rate

Shares *** $5.00 to $5000 $5.00 .10% .10%
   $5001 & UP 5.00 .25% .25%
  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.



Minimum Deposit Dividend Rate


Share Certificates $1001 & Up $1001.00 .40% 6 month .40%
  $1001.00 .50% 12 month .50%
  $1001.00 .75% 24 month .75%
* 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.*A penalty will be imposed for early withdrawal.


Auto Loans

Year Term Rate
2012 & newer 84 Months as low as 3.49%-up to 13.49% APR
2012 & newer Up to 72 Months as low as 2.99%-up to 12.99% APR
2009, 2010, 2011 Up to 72 Months as low as 2.99%-up to 12.99% APR
2006, 2007, 2008 Up to 60 Months as low as 3.99%-up to 12.99% APR
2005 & older Up to 48 Months as low as 6.99%-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 ****All vehicles with more than 100,000 miles are subject to a 1% increase in the rate.. 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
2012 & newer 60-72 Months 6.99%-16.00% APR
2007-2011 48 Months 7.49%-16.00% APR
2004-2005-2006 36 Months 9.49%-16.00% APR
2003 & 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.