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First Lincoln Federal Credit Union 5730 R Street, Suite A Lincoln, NE 68505
Phone (402) 466-4040 Fax (402) 466-5405
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Savings Rates Effective February 2010
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Share Savings Account (00)
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Dividend Rate |
Annual Percentage Yield |
| $0-$999.99 |
0.15% |
0.15% |
| $1,000-$4,999.99 |
0.20% |
0.20% |
| $5,000-$9,999.99 |
0.25% |
0.25% |
| $10,000 and above |
0.35% |
0.35% |
| Special Purpose Account (03, 05, 07) |
Dividend Rate |
Annual Percentage Yield |
| $0 - above |
0.25% |
0.25% |
| Holiday Savings Account (04)* |
Dividend Rate |
Annual Percentage Yield |
| $0 - above |
0.25% |
0.25% |
*Maturity of the account is October 1st, its term varies depending on the date the account is opened.
Money Market Savings Account
(76) ($1,000 Minimum) |
Dividend Rate |
Annual Percentage Yield |
| $0 - $9,999.99 |
0.25% |
0.25% |
| $10,000 - $24,999.99 |
0.50% |
0.50% |
| $25,000 - $49,999.99 |
0.75% |
0.75% |
| $50,000- $99,999.99 |
1.00% |
1.00% |
| $100,000 and above |
1.24% |
1.25% |
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IRA Savings Account (81)
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Dividend Rate |
Annual Percentage Yield |
| $0-$499.99 |
0.50% |
0.50% |
| $500 and Above |
0.75% |
0.75% |
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First Checking /
Share Draft Account (75)
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Dividend Rate |
Annual Percentage Yield |
| NA |
0.00% |
0.00% |
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First Plus Checking Account (77)
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Dividend Rate |
Annual Percentage Yield |
| $0-$4,999.99 |
0.15% |
0.15% |
| $5,000.00 and Above |
0.25% |
0.25% |
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Certificate Rates Effective 1/23/10
(402) 466-4040
| Share Certificates ($500 Minimum) |
Dividend Rate |
Annual Percentage Yield |
| 3 Month |
0.50% |
0.50% |
| 6 Month |
0.75% |
0.75% |
| 12 Month |
1.00% |
1.00% |
| 18 Month |
1.24% |
1.25% |
| 24 Month |
1.74% |
1.75% |
| 36 Month |
2.18% |
2.20% |
| 48 Month |
2.47% |
2.50% |
| 60 Month |
2.72% |
2.75% |
| IRA Share Certificates ($500 Minimum) |
Dividend Rate |
Annual Percentage Yield |
| 6 Month |
0.75% |
0.75% |
| 12 Month |
1.00% |
1.00% |
| 18 Month |
1.24% |
1.25% |
| 24 Month |
1.75% |
1.75% |
| 36 Month |
2.18% |
2.20% |
| 48 Month |
2.47% |
2.50% |
| 60 Month |
2.72% |
2.75% |
***Savings and Sharedraft Checking rates are variable and may change at any time without notice. Certificate rates are fixed for term -- a penalty is imposed for early withdrawal. Fees could reduce earnings on accounts.
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Loan Rates
Auto Loans with Qualified Credit
Click here to print an application. Click here to apply online.
All Loan Rates Effective 1/23/2010
| New 2009-2010 |
APR Fixed Rate* |
Max Term |
| No Minimum |
4.25% |
24 Month |
| No Minimum |
4.50% |
36 Month |
| No Minimum |
4.75%
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48 Month |
| No Minimum |
4.95% |
60 Month |
| Minimum $20,000 |
5.95% |
72 Month |
APR* Annual Percentage Rate
Example At 4.25% APR, 24 pmts of $43.54 per $1000 borrowed.
| USED |
APR Fixed Rate* |
Max Term |
| 2008 |
4.95% |
60 Month |
| 2007 |
4.95% |
60 Month |
| 2006 |
5.25%
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48 Month |
| 2005 |
5.25%
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48 Month |
| 2004 |
5.50% |
48 Month |
| 2003 |
5.50% |
48 Month |
| 2002 and older |
5.95% |
36 Month |
APR* Annual Percentage Rate
Example: At 5.50% APR, 48 pmts of $23.26 per $1000 borrowed
| Other Vehicles |
APR Fixed Rate* |
| New Boat |
New Auto Rate + 1% |
| Used Boat |
Used Auto Rate + 1% |
| New RV |
New Auto Rate + 1%
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| Used RV |
Used Auto Rate + 1%
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| New Motorcycle |
New Auto Rate + 1% |
| Used Motorcycle |
Used Auto Rate + 1% |
| Mobile Home |
APR Fixed Rate* |
Max Term |
| New |
9.95% |
120 Month |
| Used |
10.95% |
84 Month |
APR* Annual Percentage Rate
Example: At 9.95% APR, 120 pmts of $13.20 per $1000 borrowed
Personal Loans
Current Rate: 10.95%
Maximum Term: 36 months
Payment Example: 36 payments of $32.72 per $1000.00 borrowed.
All above loan rates include discounts and are subject to change without notice. Your rate is based on your credit history and may differ from the listed APR.
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Home Equity Loans
Up to 80% of Appraisal or Tax Value
No Points/Origination Fees
| 1st Mortgage APR Fixed |
Maximum Term |
| 4.00% |
36 Month |
| 4.25% |
60 Month |
| 4.50% |
84 Month |
| 5.00% |
120 Month |
| 5.50% |
180 Month |
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| 2nd Mortgage APR Fixed |
Maximum Term |
| 4.75% |
36 Month |
| 4.95% |
60 Month |
| 5.25% |
84 Month |
| 5.50% |
120 Month |
| 6.00% |
180 Month |
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Example: At 4.00% 36 pmts. of $29.53 per $1000 borrowed
APR* Annual Percentage Rate
Home Equity LOC
(LOC = Line of Credit)
(Variable) Prime Rate
(Please call for Current Rate)
Line of Credit
Current Rate: 11.95%
Maximum Term: 24 Months
Payment Example: Monthly payments of $5.00 per $150.00 balance
Savings Secured
Earnings Plus 3.0%
100% Secured
Click here to print an application Click here to apply online.
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