Personal Loans · Lincoln, Nebraska
10 credit unions in Lincoln report personal loan rates to the NCUA. Rates range from 9.90% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
9.90%
Lowest Rate
12.55%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | LINCOLN PUBLIC SCHOOL EMPLOYEES ★ 5.0 · 13 reviews | 9.90% | — |
| 2 | FIRST LINCOLN ★ 4.1 · 56 reviews | 10.44% | 9.95% |
| 3 | LOCAL 265 IBEW ★ 3.9 · 54 reviews | 11.00% | — |
| 4 | SPIRIT OF AMERICA ★ 4.6 · 28 reviews | 11.25% | 14.75% |
| 5 | LIBERTY FIRST ★ 4.0 · 135 reviews | 11.99% | 9.99% |
| 6 | NEBRASKA STATE EMPLOYEES ★ 3.6 · 16 reviews | 13.00% | 12.01% |
| 7 | UNIVERSITY OF NEBRASKA ★ 4.5 · 86 reviews | 13.20% | 12.63% |
| 8 | LINCOLN S.D.A. ★ 4.2 · 5 reviews | 13.20% | 12.00% |
| 9 | MEMBERSOWN ★ 4.6 · 89 reviews | 13.50% | 9.99% |
| 10 | LINCONE ★ 4.5 · 164 reviews | 18.00% | 11.00% |
If you have high-rate credit card balances, a personal loan from a Lincoln credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.