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Loan Rates

Your Credit Union seeks to offer the best rate and term, for your borrowing needs. Before accepting financing with another institution, give Utilities Federal Credit Union a call at (402) 933-0863 to ensure that you receive the best possible loan.

Before purchasing your next new vehicle give us a call for a pre-approved loan. Walk into the dealership feeling confident on the amount you want to spend.

To estimate your monthly payment use our loan calculator. To apply, complete our online loan application by clicking the link below or you can call, fax, come in or mail your application!


Main Office  
Phone (402) 933-0863  
Fax (402) 933-0234  
Address   6221 Center St
Omaha, NE 68106
get directions		  

The below table lists our class "A" rates. The actual rate is determined by underwriting factors and may vary according to individual credit score. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice.  All payment amounts shown below are approximate monthly payments based on the maximum term and do not include disability and life insurance.

New Vehicle Loans*

Utilities Federal Credit Union offers generous financing on New Vehicle Loans. The below rates are based on financing 100% of the purchase price. Rates may vary according to individual credit score and loan to value of vehicle financed. Contact a loan officer for details.

Purchased or Refinanced-New

Term APR*
12-48 months Starting at 5.75%
49-60 months Starting at 5.75%
72 months Starting at 5.75%
*See a loan officer for details on what qualifies as a new vehicle

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Used Vehicles (Based on "Used Car" Values found in N.A.D.A. Blue Book)

Utilities Federal Credit Union offers generous financing on used vehicle loans. The below rates are based on financing 100% of N.A.D.A. retail value. Rates may vary according to individual credit score and loan to value of vehicle financed. Contact a loan officer for details.

N.A.D.A. Retail Value

Term APR*
N.A.D.A. Retail Value
12-48 months Starting at 5.75%
49-60 months Starting at 5.75%
72 months Starting at 5.75%


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Personal Loans

  Term APR* Minimum Estimated Payment
  up to 12 months 10.49% $300.00 $88.16*
  up to 24 months 10.49% $1001.00 $46.39*
  up to 36 months 10.49% $2001.00 $32.51*
Payment Example: On a $2,000.00 loan, 24 month term with10.49% APR, the monthly payment would be $92.77.

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Share and Share Certificate Secured Loans
Does not include Club Accounts
Fixed Rate (Not Risk Based)
  Term Secured By APR
  60 months Shares Call for details
  60 months Share Certificate 3% over share certificate rate

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Visa Credit Cards

Introductory Rate Regular Rate
Platinum Preferred Visa 1.90% 8.99%
Classic Visa 12.88%
Platinum Preferred is for higher credit scores. Minimum opening limit is $5000.
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Overdraft Line of Credit

Fixed Rate (Not Risk Based)
  15.00% APR
  Monthly Payment $25.00 or 3.50% of the loan balance, whichever is greater
  Advance in $50.00 increments
 
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Recreational Vehicle
Motor Homes, Campers, Van Conversions, Truck Campers, 5th Wheels, Park Models, Camper Trailers, Boats, Boat Motor, Boat Trailers, Snowmobile, Personal Watercraft, ATV's and Motorcycles.
Term APR
New: 80% of the purchase price
12-48 months Starting at 5.75 %
49-60 months Starting at 5.75%
61-72 months Starting at 5.75%
 
New: 100% of the purchase price
12-48 months Starting at 5.75%
49-60 months Starting at 5.75 %
61-72 months Starting at 5.75%
 
Used: Retail N.A.D.A.
12-48 months Starting at 5.75 %
49-60 months Starting at 5.75 %
61-72 months Starting at 5.75%

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Home Loan Rates

Fixed Rate First Lien Loans up to 10 years

Rates may vary according to individual credit score.
APR
6.88%
  • Maximum Loan: 90% Appraised/Tax Assessed Value
  • Minimum Loan Amount is $5,000

Fixed Rate 15 Year First Lien Loans

Rates may vary according to individual credit score.                 
APR
6.38%
Secondary Market Guidelines Apply

Fixed Rate Second Mortgage Loans

Rates may vary according to individual credit score.
APR
7.38%
  • Maximum Loan: 100% Appraised/Tax Assessed Value**Appriased Value
  • Minimum Loan Amount is $5,000
  • Minimum term is 36 Months
  • Maximum Term is 120 Months

Variable Rate Home Equity Line of Credit Loans

Please contact a Mortgage Loan officer at (402) 933-0124

for rates and program details.

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Fees Range from $125-$600

Fee Type Terms Fee
Flood Plain   $14.00
Appraisal   $200.00/250.00
Filing Fees Nebraska: Deed of Trust $5.00/page + $.50 a lot
Iowa: Deed of Trust - Pottawattamie County Only $21.00 + $5.00 a lot
Iowa: Deed of Mortgage-type this by hand Call the county for fee
Title Fees Nebraska:  
-- Title Search/Certificate (80% financing) $75 - $100
-- Title Insurance (All loans over 80% financing) $100 ($20,000 or less)
Iowa:
-- Title Search/Certificate (80% financing) $100 - $150
-- Title Insurance (All loans over 80% financing) Same as Nebraska

Fees subject to change

Contact our Mortgage Loan Officer for purchases and major refinance rates. (402) 933-0124

WE OFFER A WIDE RANGE OF MORTGAGE PROGRAMS!!!!!

We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Rates are subject to change anytime. Credit subject to approval. Consult your tax advisor regarding deductibility of interest. These loans are secured by a first or second mortgage lien on your home, which must be your primary residential real estate. Offer is not available for modular homes, manufactured homes or cooperatives. Other restrictions may apply. Please contact us for further details.

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