Business Details
21 Years
experience
Your Trusted Financial Partner in Lincoln, NE
Founded in 2005, MembersOwn Credit Union has been dedicated to providing personalized financial solutions to Nebraskans. As a member-owned institution, we prioritize community needs while offering competitive rates on checking, savings, and loan products. Our services include home equity loans with flexible terms, auto financing starting at 4.75% APR, and rewards credit cards designed to maximize member benefits. We maintain physical branches in Lincoln and Beatrice with extended drive-thru hours to accommodate busy schedules. Through innovative digital tools like mobile banking and real-time fraud prevention, we combine traditional service values with modern convenience.Our commitment to financial education is demonstrated through resources like SavvyMoney credit score monitoring and customized savings calculators. Community engagement remains central to our mission, exemplified by initiatives like the Gift It Forward program that supports local causes. With over 18 years of service, we continue expanding our product offerings while maintaining the personal touch that distinguishes credit unions from traditional banks.
Services
Checking Accounts
Savings Accounts
Home Loans
Auto Loans
Personal Loans
Credit Cards
Mobile Banking
Online Banking
Fraud Prevention
Details
- Year established: 2005
Highlights and features
- We offer competitive APR rates as low as 4.75% for auto loans
- We provide 24/7 online and mobile banking services
- Our member-first approach ensures personalized financial solutions
- We support community initiatives like the Gift It Forward program
- We offer flexible loan options including home equity and personal loans
Associations and certifications
- NCUA
Services
Auto Loans
Our auto loans feature competitive rates starting at 4.75% APR with flexible terms up to 72 months. Qualified borrowers receive personalized financing options for new or used vehicles. Digital pre-approval streamlines the car buying process through our partner dealerships.
Mobile Banking
24/7 account access includes real-time transaction tracking, mobile check deposit, and instant card control features. Push notifications alert members to suspicious activity or low balance thresholds. Available through iOS and Android apps with biometric login security.
Share Certificates
Fixed-rate share certificates offer guaranteed returns with terms from 6 to 60 months. Current specials include 3.90% APY on 12-month certificates. FDIC-insured deposits protect member funds up to legal limits through NCUA coverage.
Home Equity Loans
Tap into home equity with fixed-rate loans featuring closing cost assistance and no application fees. Loan-to-value ratios up to 90% available for qualified applicants. Proceeds can be used for home improvements, debt consolidation, or major purchases.
Rewards Credit Cards
Earn cash back rewards on everyday purchases with no annual fee. CardControl app enables instant spending limits and merchant restrictions. Zero liability protection covers fraudulent transactions reported promptly by cardholders.
Questions
How do I open a checking account?
Complete our online application or visit our Lincoln branch. Required documents include government ID, Social Security number, and initial deposit of $25.
What loan options are available for first-time homebuyers?
We offer conventional mortgages with down payment assistance programs. Our loan specialists provide pre-approval letters and guidance through the entire home buying process.
Can I access my account after business hours?
Yes, our online and mobile banking platforms provide 24/7 account access for transactions, bill payments, and balance checks.
What security features protect my account?
We employ real-time fraud monitoring, card transaction alerts, and biometric login authentication. Our systems comply with NCUA security regulations for financial institutions.
How does the Gift It Forward program work?
When you use your MembersOwn credit card, 1% of qualified purchases funds local charities. Winners receive $500 to donate to their chosen nonprofit organization.
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