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Personal Banking \ Personal Loans

Personal Loan and Credit Products

Home Equity Loan Visa Preferred Miles Credit Card
Use the equity in your home for improvements, college, or almost anything.  This is usually a one-time expense. Use the valuable equity in your home to borrow for things you need to today but may not have the money for right now.

Low interest loans for Nebraska residents.

Can be used for energy efficiency upgrades.

 

A line of credit that is attached to your checking account that can be used for small unexpected expenses and purchases.

 

A line of credit that is attached to your checking account that can be used for small unexpected expenses and purchases.

Both Visa or Mastercard available Both Visa or Mastercard available
Many people find that home equity loans are convenient for debt consolidation, paying for education expenses not covered by federal aid, and paying for weddings since the interest rate is often lower and tax deductible. Uses include improvements to your home, part of the down payment for your dream home, college expenses for you or your children, or purchasing a new car or other large ticket item.

Can be used for heat pumps, window replacement, siding, heating, air conditioning, and more!!  

Call us today and ask about how you can help lower your energy bill using a low interest Nebraska Energy Office loan!!

Loan funds are advanced automatically to cover overdrafts or upon your request. Used responsibly, this can be a great alternative to a credit card. Online accounts access and management available at www.cardaccount.net

Earn 1 point for each dollar spent up to 10,000 each month.  Points can be redeemed for cash back, travel, merchandise, and retail gift cards.

Subject to credit approval

Subject to Credit Approval Subject to Credit Approval

Subject to Credit Approval

 

Subject to Credit Approval and stricter underwriting qualifications Subject to Credit Approval Subject to Credit Approval

Funds are typically disbursed once and do not revolve.

Rate can be fixed or variable.

Loan is revolving for a period of time. 

Rate can be fixed or variable.

 

19% Fixed rate

 

 

Credit Limit up to $4,999.99

 

Automatic advances in increments of $500

Variable rate at 3.0% above New York Prime, adjusted monthly.

Minimum credit limit is $5,000

Automatic advances in increments of $1,000

 

No Annual Fee

Introductory rate for 6 months and then the rate switches to New York prime plus 6.90%

 

25 Day Grace Period for purchases

No grace period for cash advances or cash equivalent transactions

No Annual Fee

Introductory rate for 6 months and then the rate switches to New York Prime plus 11.90%

25 Day Grace Period for purchases

No grace period for cash advances or cash equivalent transactions