First Lincoln FCU

DEPOSIT RATES & LOAN RATES

Savings & Money Market Accounts

Effective February 1, 2018

Share Savings Account (00)
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

Effective February 1, 2018

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)

Effective December 23, 2017

Share Certificates
TermDividend RateAnnual Percentage Yield
3 Months 0.15% 0.15%
6 Months 0.30% 0.30%
12 Months 0.45% 0.45%
13 Month Special 1.39% 1.40%
18 Months 0.70% 0.70%
24 Months 0.80% 0.80%
36 Months 0.90% 0.90%
48 Months 1.14% 1.15%
60 Months 1.44% 1.45%

 

IRA Share Certificates ($500 Minimum)

Effective December 23, 2017

IRA Share Certificates
TermDividend RateAnnual Percentage Yield
6 Months 0.30% 0.30%
12 Months 0.45% 0.45%
13 Month Special 1.39% 1.40%
18 Months 0.70% 0.70%
24 Months 0.80% 0.80%
36 Months 0.90% 0.90%
48 Months 1.14% 1.15%
60 Months 1.44% 1.45%

*  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 January 1, 2018

New Auto Loans (2018-2017)
Fixed APR*Maximum Term
As Low As 2.25% APR Up To 72 Months

Example:  At 2.25% APR, 72 pmts of $14.87 per $1000 borrowed.

 

Used Auto Loans (2016 - 2011)
Fixed APR*Maximum Term
As Low As 2.95% APR Up To 72 Months

Example:  At 2.95% APR, 72 pmts of $15.18 per $1000 borrowed.

 

Older Used Vehicles (2010 & Older)
Fixed APR*Maximum Term
As Low As 3.95% APR Up To 60 Months

Example:  At 3.95% APR, 60 pmts of $18.40 per $1000 borrowed.

 

Recreational Vehicles
Vehicle TypeFixed APR*Maximum Term
New Motorcycle (2017 - 2018) As Low As 3.25% Up To 72 Months
Used Motorcycle (2016 & Older) As Low As 3.95% Up To 60 Months
New Boat (2017 - 2018) As Low As 3.25% Up To 84 Months
Used Boat (2016 & Older) As Low As 3.95% Up To 72 Months
New RV (2017 - 2018) As Low As 3.25% Up To 120 Months
Used RV (2016 & Older) As Low As 3.95% Up To 120 Months
New ATV/Jet Ski/Snowmobile (2017 - 2018) As Low As 4.25% Up To 60 Months
Used ATV/Jet Ski/Snowmobile (2016 & Older) As Low As 4.95% Up To 60 Months

Mobile Homes
BalanceFixed APR*Maximum Term
Greater Than $20,000 10.95% 120 Months
Less Than $20,000 10.95% 84 Months

Example:  At 10.95% APR, 120 pmts of $13.76 per $1000 borrowed.

**  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
8.75% 36 Months

Overdraft Protection Line of Credit
Fixed APR*Maximum Term
9.95% 24 Months

Example:  At 8.75% APR, 36 pmts of $31.69 per $1000 borrowed.

 

Home Equity Loans

Up To 80% of Appraisal. No Points or Origination Fees.

First Mortgage Home Equity Loan
Fixed APR*Maximum Term
2.75% 36 Months
3.00% 60 Months
3.75% 84 Months
4.25% 120 Months
5.25% 180 Months

Second Mortgage Home Equity Loan
Fixed APR*Maximum Term
3.75% 36 Months
4.00% 60 Months
4.75% 84 Months
5.25% 120 Months
6.25% 180 Months

Example:  At 3.00% APR, 60 pmts of $17.97 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.