First Lincoln FCU

DEPOSIT RATES & LOAN RATES

Savings & Money Market Accounts

Effective December 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 December 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 October 1, 2018

Share Certificates
TermDividend RateAnnual Percentage Yield
3 Months 0.30% 0.30%
6 Months 0.45% 0.45%
9 Month Special 1.98% 2.00%
12 Months 0.65% 0.65%
18 Months 0.90% 0.90%
24 Months 1.00% 1.00%
36 Months 1.09% 1.10%
48 Months 1.34% 1.35%
60 Months 1.59% 1.60%

 

IRA Share Certificates ($500 Minimum)

Effective October 1, 2018

IRA Share Certificates
TermDividend RateAnnual Percentage Yield
6 Months 0.45% 0.45%
9 Month Special 1.98% 2.00%
12 Months 0.65% 0.65%
18 Months 0.90% 0.90%
24 Months 1.00% 1.00%
36 Months 1.09% 1.10%
48 Months 1.34% 1.35%
60 Months 1.59% 1.60%

*  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 December 1, 2018

New Auto Loans (2019-2018)
Fixed APR*Maximum Term
As Low As 3.00% APR Up To 72 Months

Example:  At 3.00% APR, 72 pmts of $15.20 per $1000 borrowed.

 

Used Auto Loans (2017 - 2012)
Fixed APR*Maximum Term
As Low As 3.70% APR Up To 72 Months

Example:  At 3.70% APR, 72 pmts of $15.52 per $1000 borrowed.

 

Older Used Vehicles (2011 & Older)
Fixed APR*Maximum Term
As Low As 4.70% APR Up To 60 Months

Example:  At 4.70% APR, 60 pmts of $18.74 per $1000 borrowed.

 

Recreational Vehicles
Vehicle TypeFixed APR*Maximum Term
New Motorcycle (2019 - 2018) As Low As 4.00% Up To 72 Months
Used Motorcycle (2017 & Older) As Low As 4.70% Up To 60 Months
New Boat (2019 - 2018) As Low As 4.00% Up To 84 Months
Used Boat (2017 & Older) As Low As 4.70% Up To 72 Months
New RV (2019 - 2018) As Low As 4.00% Up To 120 Months
Used RV (2017 & Older) As Low As 4.70% Up To 120 Months
New ATV/Jet Ski/Snowmobile (2019 - 2018) As Low As 4.00% Up To 72 Months
Used ATV/Jet Ski/Snowmobile (2017 & Older) As Low As 4.70% Up To 60 Months

Mobile Homes
BalanceFixed APR*Maximum Term
Greater Than $20,000 11.70% 120 Months
Less Than $20,000 11.70% 84 Months

Example:  At 11.70% APR, 120 pmts of $14.18 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
9.25% 36 Months

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

Example:  At 9.25% APR, 36 pmts of $31.92 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
3.25% 36 Months
3.50% 60 Months
4.25% 84 Months
4.75% 120 Months
5.75% 180 Months

Second Mortgage Home Equity Loan
Fixed APR*Maximum Term
4.25% 36 Months
4.50% 60 Months
5.25% 84 Months
5.75% 120 Months
6.75% 180 Months

Example:  At 3.50% APR, 60 pmts of $18.20 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.