Business Details
Your Trusted Financial Partner in Lincoln, NE
First Lincoln Federal Credit Union has served the financial needs of Lancaster County, Nebraska residents since its founding. As a member-owned cooperative, we operate under the core principles of mutual support and financial empowerment, offering competitive rates and personalized service. Our commitment to community is reflected in our shared branch network access, allowing members to manage accounts nationwide. With a focus on transparency and member satisfaction, we provide a full range of financial products including savings accounts, loans, and credit cards.Our team prioritizes financial education and security, offering resources to protect identities and improve money management skills. Through flexible loan terms, no prepayment penalties, and tailored solutions, we strive to meet diverse financial goals. Backed by decades of local expertise, we maintain a strong reputation for reliability and ethical practices, ensuring members receive the highest standard of service.
Services
Savings Accounts
Auto Loans
Personal Loans
Mortgage Loans
Credit Cards
Highlights and features
- We operate as a member-owned cooperative with community-focused values
- Our shared branch network provides nationwide account access
- We offer personalized loan solutions with no prepayment penalties
- Competitive rates on savings accounts and certificate programs
- Financial education resources to improve money management skills
Services
Auto Loans
We provide competitive auto loan rates for new and used vehicles with terms from 24-72 months. Our streamlined application process includes pre-approvals to simplify car purchases. Members benefit from flexible payment options and no prepayment penalties.
Savings Accounts
Our tiered savings accounts offer competitive dividends with balances starting at $5. Specialized options include holiday savings and youth accounts. We provide multiple access methods while maintaining strict security standards.
Personal Loans
Unsecured personal loans feature fixed APR rates starting at 10.00% with terms up to 48 months. We offer share-secured and certificate-secured options with rates tied to deposit accounts. Flexible repayment plans accommodate various financial situations.
Mortgage Loans
Through our partnership with Pivot Lending Group, we offer mortgage solutions for purchases and refinances. Our dedicated loan officer provides personalized rate quotes and comprehensive guidance throughout the home financing process.
Credit Cards
We offer VISA credit cards with competitive rates and travel card options. Our card services include fraud protection and convenient mobile banking features. Members can access account management tools 24/7 through secure online platforms.
Questions
What membership requirements exist for First Lincoln FCU?
Membership is open to anyone living, working, or attending school in Lancaster County, Nebraska. You maintain membership for life with a minimum $5 savings account balance.
How do credit union loans differ from bank loans?
As a member-owned cooperative, we offer lower rates and personalized service. Our lending decisions prioritize member needs over profit, with flexible terms and no prepayment penalties.
What savings options are available?
We offer tiered savings accounts, money market accounts, holiday savings plans, and youth accounts with competitive dividend rates. Minimum balance requirements vary by account type.
Can I access accounts outside Lincoln?
Our shared branch network allows nationwide access to your accounts. You can also use online banking, mobile apps, and telephone services for 24/7 account management.
What loan payment options exist?
We provide payroll deduction, automatic transfers, and electronic payment options. Members can manage payments through online banking or contact us directly for payment plan adjustments.
