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First Lincoln FCU

DEPOSIT RATES & LOAN RATES

Savings & Money Market Accounts

Share Savings Account (00)
Effective Date: 06/01/20
BalanceDividend RateAnnual Percentage Yield
$0 - $999.99 0.05% 0.05%
$1,000 - $4,999.99 0.05% 0.05%
$5,000 - $9,999.99 0.10% 0.10%
$10,000 and Above 0.10% 0.10%

Special Purpose Account (03,05,07)
BalanceDividend RateAnnual Percentage Yield
All Balances 0.05% 0.05%

Holiday Savings Account (04)
Note: Maturity of this account is October 1st, its term varies depending on the date the account is opened.
BalanceDividend RateAnnual Percentage Yield
All Balances 0.05% 0.05%

Money Market Savings Account (76) ($1,000 Minimum)
BalanceDividend RateAnnual Percentage Yield
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99 0.20% 0.20%
$100,000 and Above 0.20% 0.20%

IRA Savings Account (81)
BalanceDividend RateAnnual Percentage Yield
$0 - $499.99 0.10% 0.10%
$500 and Above 0.15% 0.15%

 

Checking/Share Draft Accounts

First Checking/Share Draft Account (75)
BalanceDividend RateAnnual Percentage Yield
All Balances 0.00% 0.00%

First Plus Checking Account (77) ($500 Minimum)
BalanceDividend RateAnnual Percentage Yield
$0 - $4,999.99 0.05% 0.05%
$5,000 and Above 0.10% 0.10%

 

Share Certificates ($500 Minimum)

Share Certificates
Effective Date: 06/01/2020
TermDividend RateAnnual Percentage Yield
3 Months 0.25% 0.25%
6 Months 0.35% 0.35%
12 Months 0.55% 0.55%
18 Months 0.70% 0.70%
24 Months 0.85% 0.85%
36 Months 1.00% 1.00%
48 Months 1.09% 1.10%
60 Months 1.19% 1.20%

 

IRA Share Certificates ($500 Minimum)

IRA Share Certificates
Effective Date: 06/01/2020
TermDividend RateAnnual Percentage Yield
6 Months 0.35% 0.35%
12 Months 0.55% 0.55%
18 Months 0.70% 0.70%
24 Months 0.85% 0.85%
36 Months 1.00% 1.00%
48 Months 1.09% 1.10%
60 Months 1.19% 1.20%

*  All Deposit Rates Compound Monthly.  Savings and Share Draft Checking rates are variable and may change at any time without notice.  Share Certificate rates are fixed for the specified term -- a penalty is imposed for early withdrawal.  Fees could reduce earnings on all deposit accounts.



 

 

LOAN RATES

All Loan Rates Effective April 1, 2020

New Auto Loans (2020-2019)
Fixed APR*Maximum Term
As Low As 3.25% APR 24-48 Months
As Low As 3.50% APR 49-60 Months
As Low As 4.00% APR 61-72 Months

Example:  At 3.75% APR, 72 pmts of $15.53 per $1000 borrowed.

 

Used Auto Loans (2018 - 2013)
Fixed APR*Maximum Term
As Low As 3.75% APR 24-48 Months
As Low As 4.00% APR 49-60 Months
As Low As 4.50% APR 61-72 Months

Example:  At 4.25% APR, 72 pmts of $15.76 per $1000 borrowed.

 

Older Used Vehicles (2012 & Older)
Fixed APR*Maximum Term
As Low As 5.00% APR 24-48 Months
As Low As 5.25% APR 49-60 Months

Example:  At 5.25% APR, 60 pmts of $18.99 per $1000 borrowed.

 

Recreational Vehicles
Vehicle TypeFixed APR*Maximum Term
New (2020-2019) 4.50-5.00% Up To 72 Months
Used (2018-2013) 5.00-5.50% Up To 72 Months
Used (2012 & Older) 6.00-6.25% Up To 60 Months

**  For Non-Purchase Vehicle Secured Loans, Vehicles with 100,000+ In Mileage, or Exempt Vehicles, Add 1% to Posted Rate. **

 

Personal Loans

Personal Unsecured Loans
Fixed APR*Maximum Term
9.75% 36 Months

Overdraft Protection Line of Credit
Fixed APR*Maximum Term
10.25% 24 Months

Example:  At 9.75% APR, 36 pmts of $32.15 per $1000 borrowed.

 

Home Equity Loans

Up to 80% of appraisal. No points or origination fees. Minimum credit score of 600 required. (Up to 90% of appraisal with approved credit-->mortgage protection product required.)

First Mortgage Home Equity Loan
Fixed APR*Maximum Term
As low as 3.50 36 Months
As low as 4.00 60 Months
As low as 4.50 84 Months
As low as 5.00 120 Months
As low as 6.00 180 Months

Second Mortgage Home Equity Loan
Fixed APR*Maximum Term
As low as 4.50 36 Months
As low as 5.00 60 Months
As low as 5.50 84 Months
As low as 6.00 120 Months
As low as 7.00 180 Months

Example:  At 4.00% APR, 60 pmts of $18.42 per $1000 borrowed.

Example:  At 5.00% APR, 60 pmts of $18.87 per $1000 borrowed.

Home Equity Line of Credit

Home Equity Line of Credit
(Variable) Prime Rate. Call (402) 466-4040 For Current Rate.

*APR = Annual Percentage Rate

***  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.