Personal Loans · Nebraska
49 credit unions in Nebraska report personal loan rates to the NCUA. Rates range from 8.00% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
49
CUs Reporting Rates
8.00%
Lowest Rate
12.22%
State Average Rate
24
Cities Covered
49 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ELECTRICAL WORKERS NO 22 OMAHA | 8.00% | — |
| 2 | HASTINGS Hastings | 9.39% | — |
| 3 | CENTRAL NEBRASKA Grand Island | 9.43% | 13.90% |
| 4 | MUTUAL FIRST Omaha | 9.49% | 10.99% |
| 5 | OMAHA PUBLIC POWER DIST EMP Omaha | 9.50% | 12.90% |
| 6 | LINCOLN PUBLIC SCHOOL EMPLOYEES Lincoln | 9.90% | — |
| 7 | NEIGHBORHOOD COMMUNITY Omaha | 9.93% | — |
| 8 | OMAHA POLICE Omaha | 9.98% | 8.99% |
| 9 | WOODMEN OMAHA | 9.99% | 14.90% |
| 10 | PIONEER COMMUNITY PALISADE | 10.00% | — |
| 11 | ROBERTS DAIRY EMPLOYEES OMAHA | 10.11% | 15.49% |
| 12 | FIRST LINCOLN Lincoln | 10.44% | 9.95% |
| 13 | METRO CU OMAHA | 10.64% | 14.75% |
| 14 | OMAHA OMAHA | 10.65% | 12.50% |
| 15 | CHADRON CHADRON | 10.68% | — |
| 16 | NORTH PLATTE UNION PACIFIC EMPLOYEE North Platte | 10.75% | — |
| 17 | OMAHA DOUGLAS OMAHA | 10.75% | 10.99% |
| 18 | U.P. CONNECTION OMAHA | 10.99% | — |
| 19 | LOCAL 265 IBEW LINCOLN | 11.00% | — |
| 20 | OMAHA FIREFIGHTERS Omaha | 11.19% | 11.90% |
| 21 | SPIRIT OF AMERICA LINCOLN | 11.25% | 14.75% |
| 22 | NEBRASKA ENERGY COLUMBUS | 11.39% | 12.02% |
| 23 | NEBRASKA RURAL COMMUNITY Morrill | 11.46% | — |
| 24 | NORTHEAST NEBRASKA Norfolk | 11.99% | — |
| 25 | LIBERTY FIRST Lincoln | 11.99% | 9.99% |
| 26 | OUR FAMILY SOCIAL Omaha | 11.99% | — |
| 27 | CENTRIS Omaha | 11.99% | — |
| 28 | CONSUMERS COOPERATIVE Alliance | 12.00% | — |
| 29 | FIRST NEBRASKA OMAHA | 12.24% | 11.43% |
| 30 | ONENEBRASKA Columbus | 12.28% | 12.60% |
| 31 | FAMILY FOCUS OMAHA | 12.64% | 12.49% |
| 32 | MEADOW GROVE MEADOW GROVE | 12.71% | — |
| 33 | SUGAR VALLEY SCOTTSBLUFF | 12.79% | — |
| 34 | KELLOGG MIDWEST LaVista | 12.99% | 13.15% |
| 35 | NEBRASKA STATE EMPLOYEES LINCOLN | 13.00% | 12.01% |
| 36 | LINCOLN S.D.A. LINCOLN | 13.20% | 12.00% |
| 37 | UNIVERSITY OF NEBRASKA Lincoln | 13.20% | 12.63% |
| 38 | GALLUP OMAHA | 13.46% | — |
| 39 | MEMBERSOWN Lincoln | 13.50% | 9.99% |
| 40 | SIOUXLAND South Sioux Cit | 14.25% | 9.49% |
| 41 | HEMINGFORD COMMUNITY HEMINGFORD | 14.50% | — |
| 42 | COBALT Papillion | 14.50% | — |
| 43 | MIDWEST LIBERTY McCook | 14.60% | — |
| 44 | FOUR POINTS Omaha | 15.25% | 12.75% |
| 45 | TRIUS Kearney | 16.25% | 14.90% |
| 46 | ARCHER COOPERATIVE Archer | 16.66% | — |
| 47 | BOX BUTTE PUBLIC EMPLOYEES ALLIANCE | 18.00% | — |
| 48 | UNION PACIFIC STREAMLINER Omaha | 18.00% | 8.90% |
| 49 | LINCONE LINCOLN | 18.00% | 11.00% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.