First Lincoln Federal Credit Union   5730 R Street, Suite A    Lincoln, NE 68505  Phone (402) 466-4040  Fax (402) 466-5405 Savings Rates Effective January 2012 Share Savings Account (00) Dividend Rate Annual Percentage Yield $0-$999.99 0.10% 0.10% $1,000-$4,999.99 0.15% 0.15% $5,000-$9,999.99 0.20% 0.20% $10,000 and Above 0.25% 0.25%   Special Purpose Account (03, 05, 07)      Dividend Rate Annual Percentage Yield $0 and Above                         0.15%                     0.15%                                     Holiday Savings Account (04)***                Dividend Rate Annual Percentage Yield $0 and Above 0.15%                     0.15%                                              *** 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 0.20% 0.20% $10,000 - $24,999.99 0.25% 0.25% $25,000 - $49,999.99 0.30% 0.30% $50,000- $99,999.99 0.40% 0.40% $100,000 and Above 0.50% 0.50%   IRA Savings Account (81) Dividend Rate Annual Percentage Yield $0-$499.99 0.25% 0.25% $500 and Above 0.35% 0.35% First Checking / Share Draft Account (75) Dividend Rate Annual Percentage Yield NA 0.00% 0.00% First Plus Checking Account (77) Dividend Rate Annual Percentage Yield $0-$4,999.99 0.10% 0.10% $5,000.00 and Above 0.15% 0.15% Back to Top Certificate Rates Effective 01/21/2012   (402) 466-4040 Share Certificates ($500 Minimum) Dividend Rate Annual Percentage Yield 3 Month 0.20% 0.20% 6 Month 0.35% 0.35% 12 Month 0.50% 0.50% 18 Month 0.75% 0.75% 24 Month 1.00% 1.00% 36 Month 1.39% 1.40% 48 Month 1.79% 1.80% 60 Month 1.98% 2.00%   IRA Share Certificates ($500 Minimum) Dividend Rate Annual Percentage Yield 6 Month 0.35% 0.35% 12 Month 0.50% 0.50% 18 Month 0.75% 0.75% 24 Month 1.00% 1.00% 36 Month 1.39% 1.40% 48 Month 1.79% 1.80% 60 Month 1.98% 2.00% ***All Savings Rates compound monthly.  Savings and Share Draft 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.  Back to Top Loan Rates Auto Loans with Qualified Credit Click here to print an application.  Click here to apply online.              All Loan Rates Effective 01/21/2012    New 2011-2012 APR* Fixed Rate Max Term No Minimum 2.75% 24 Month No Minimum 3.00% 36 Month No Minimum 3.25% 48 Month No Minimum 3.50% 60 Month Minimum $20,000 4.00% 72 Month APR* Annual Percentage Rate Example At 4.00% APR, 24 pmts of $43.43 per $1000 borrowed.  USED APR* Fixed Rate Max Term 2010 3.50% 60 Month 2009 3.50% 60 Month 2008 3.75% 48 Month 2007 3.75% 48 Month 2006 4.00% 48 Month 2005 4.00% 48 Month 2004 and older 5.00% 36 Month APR* Annual Percentage Rate Example: At 5.25% APR, 48 pmts of $23.15 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% Used RV Used Auto Rate + 1% 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: 9.95% APR* 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*.    Back to Top   Home Equity Loans Up to 80% of Appraisal or Tax Value No Points/Origination Fees 1st Mortgage APR* Fixed Maximum Term 3.50% 36 Month 4.00% 60 Month 4.50% 84 Month 5.00% 120 Month 5.50% 180 Month 2nd Mortgage APR* Fixed Maximum Term 4.50% 36 Month 5.00% 60 Month 5.50% 84 Month 6.00% 120 Month 6.50% 180 Month 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 APR* (Please call for Current Rate) Line of Credit Current Fixed Rate: 11.95% APR* Maximum Term: 24 Months Payment Example: Monthly payments of $5.00 per $150.00 balance or $10.00 (whichever is greater) Savings Secured A.P.Y. Plus 3.00% APR 100% Secured Click here to print an application  Click here to apply online. Back to Top