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You are now leaving Nebraska Energy Federal Credit Union's website and are going to a website that is not operated by the credit union. Nebraska Energy Federal Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Nebraska Energy Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

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Disclaimer

You are now leaving Nebraska Energy Federal Credit Union's website and are going to a website that is not operated by the credit union. Nebraska Energy Federal Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Nebraska Energy Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

Continue Cancel

Disclaimer

You are now leaving Nebraska Energy Federal Credit Union's website and are going to a website that is not operated by the credit union. Nebraska Energy Federal Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Nebraska Energy Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

Continue Cancel

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Welcome to Nebraska Energy Federal Credit Union!

Our goal at Nebraska Energy Federal Credit Union is to help our members achieve financial success. That starts with the credit union difference, where you’re a member — and an owner. So instead of our profits going to shareholders, they go back to you in the form of lower loan rates, higher dividends and fully-charged services. We serve employees of entities engaged in the electrical power generation, transmission and distribution industry in Columbus, NE and their families.

So instead of our profits going to shareholders, they go back to you in the form of lower loan rates, higher dividends and fully-charged services. We serve employees of entities engaged in the electrical power generation, transmission and distribution industry in Columbus, Neb. and their families.

Click each product title below for more information and rates. Click View Disclosures for disclosures, terms and conditions.

Auto & Recreational Vehicle Disclosure

*APR = Annual Percentage Rate. Rates and terms will vary depending on the applicant’s credit score, age of the vehicle, amount and term of the loan. Our loan officers will discuss your application and available rate with you. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and term are subject to change at any time without notice. The maximum APR that may imposed is 18%.

  • 100% financing available unless otherwise stated.
  • Add on for Tax and Licensing.
  • Full coverage insurance required on vehicle loans.
  • †90 Days to First Payment — Interest will continue to accrue during the period in which no payment is due.

Payment Examples:

  • $20,000 new car loan with a term of 72 months at 1.99% APR, payment deferred for 90 days, the monthly payment will be $295.89.
  • $15,000 previously salvaged title car loan with a term of 60 months at 7.25% APR, the monthly payment will be $298.86.
  • $12,000 classic car loan with a term of 72 months at 9.25% APR, the monthly payment will be $217.87.

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Checking & Savings Account Disclosures

**APY = Annual Percentage Yield. Annual Percentage Yield is an annualized rate that reflects estimated dividend earnings based on dividend rate and frequency of compounding. Annual Percentage Yields are subject to change without notice, and accurate as of last dividend declaration date. Rates may change after account opening. Fees could reduce earnings.

Federally insured by the NCUA

View Truth In Savings Disclosure

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Mortgage Loan Disclosures

Note: scroll to view entire disclosure.

*APR = Annual Percentage Rate. The maximum APR that may be imposed is 18%. Subject to credit approval. Rates and rebates subject to change without notice. Loan approval, based on creditworthiness and ability to repay. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice.

Mortgage Lending Area: Nebraska, Iowa, Missouri, Colorado, Wyoming, Kansas, Oklahoma, South Dakota. Appraisals required on all purchases. Financing up to 80% of purchase price or appraised value, whichever is less. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment.

ARM = Adjustable Rate Mortgage: Interest rate is variable. Subject to change after a predetermined period and may increase during the life of the loan.

Adjustable Rate Mortgage Payment Example/ 6 Year ARM (Payments do not include taxes or insurance premiums):

PeriodsRate %Principle & Interest Payment
First 72 Months 2.500 $355.61
Following 72 Months 4.000 $416.09
Following 72 Months 5.500 $467.37
Following 72 Months 7.000 $505.83
Final 72 Months 8.500 $527.06

15, 20 and 30 Year Fixed Rate Mortgages are available on the secondary market. The Credit Union retains the servicing on these loans. Some restrictions apply. Subject to credit approval.

‡Closing costs include: Application Fee, Termite Inspection, Credit Report, and Flood Certification. Closing costs are waived initially but later charged if the loan is paid off prior to the 36 months.

Payment Example (Payments do not include taxes or insurance premiums):

  • $150,000 balloon mortgage loan with a 3.550% APR, the monthly payment will be $742.80 for 179 payments, with a balloon payment of $79,794.92 due in 15 years.
  • $100,000 mortgage loan with a term of 15 years, with a 3.55% APR, the monthly payment will be $717.51
  • $100,000 mortgage loan with a term of 20 years, with a 3.55% APR, the monthly payment will be $582.70
  • $100,000 mortgage loan with a term of 30 years, with a 3.55% APR, the monthly payment will be $452.01

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Share Certificates

**APY = Annual Percentage Yield. Annual Percentage Yield is an annualized rate that reflects estimated dividend earnings based on dividend rate and frequency of compounding. Annual Percentage Yields are subject to change without notice. Accurate as of 04/01/16.

  • Early withdrawal penalty applies and may result in loss of dividends and principal:
    • Term of 1 Year – 120 day
    • Term of 2 Year – 180 days
  • Fees could reduce earnings
  • Offering rates may change
  • Dividends compounded monthly, credited monthly
  • Additional deposits not allowed
  • Automatically renewable

Federally insured by the NCUA

View Truth In Savings Disclosure

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Share Certificates 1 Year 1.10%APY**
2 Year 1.30%APY**View Disclosures
Mortgages as low as2.80%APR*View Disclosures
IRAsas high as1.10%APY**View Disclosures
Checkingas high as0.25%APY**View Disclosures
Credit CardsIntroductory rate as low as6.00%APR*View Disclosures
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