Credit Cards · Nebraska
27 credit unions in Nebraska report credit card APRs to the NCUA. Rates range from 8.90% to 15.49%.
Updated Q1 2026 · NCUA Call Report data
27
CUs Reporting Rates
8.90%
Lowest Card APR
12.12%
State Average APR
10
Cities Covered
27 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | UNION PACIFIC STREAMLINER Omaha | 8.90% | 18.00% |
| 2 | OMAHA POLICE Omaha | 8.99% | 9.98% |
| 3 | SIOUXLAND South Sioux Cit | 9.49% | 14.25% |
| 4 | FIRST LINCOLN Lincoln | 9.95% | 10.44% |
| 5 | LIBERTY FIRST Lincoln | 9.99% | 11.99% |
| 6 | MEMBERSOWN Lincoln | 9.99% | 13.50% |
| 7 | OMAHA DOUGLAS OMAHA | 10.99% | 10.75% |
| 8 | MUTUAL FIRST Omaha | 10.99% | 9.49% |
| 9 | LINCONE LINCOLN | 11.00% | 18.00% |
| 10 | FIRST NEBRASKA OMAHA | 11.43% | 12.24% |
| 11 | OMAHA FIREFIGHTERS Omaha | 11.90% | 11.19% |
| 12 | LINCOLN S.D.A. LINCOLN | 12.00% | 13.20% |
| 13 | NEBRASKA STATE EMPLOYEES LINCOLN | 12.01% | 13.00% |
| 14 | NEBRASKA ENERGY COLUMBUS | 12.02% | 11.39% |
| 15 | FAMILY FOCUS OMAHA | 12.49% | 12.64% |
| 16 | OMAHA OMAHA | 12.50% | 10.65% |
| 17 | ONENEBRASKA Columbus | 12.60% | 12.28% |
| 18 | UNIVERSITY OF NEBRASKA Lincoln | 12.63% | 13.20% |
| 19 | FOUR POINTS Omaha | 12.75% | 15.25% |
| 20 | OMAHA PUBLIC POWER DIST EMP Omaha | 12.90% | 9.50% |
| 21 | KELLOGG MIDWEST LaVista | 13.15% | 12.99% |
| 22 | CENTRAL NEBRASKA Grand Island | 13.90% | 9.43% |
| 23 | SPIRIT OF AMERICA LINCOLN | 14.75% | 11.25% |
| 24 | METRO CU OMAHA | 14.75% | 10.64% |
| 25 | WOODMEN OMAHA | 14.90% | 9.99% |
| 26 | TRIUS Kearney | 14.90% | 16.25% |
| 27 | ROBERTS DAIRY EMPLOYEES OMAHA | 15.49% | 10.11% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Nebraska accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Nebraska offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.