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At Police Federal Credit Union of Omaha, we understand that your financial needs are as individual as the life you lead. That’s why we’ve tailored every loan and credit option to support our Blue Family at any stage—whether you're just starting out or gearing up for retirement. With competitive rates and a comprehensive range of loans and credit options, we're not just a credit union; we're your steadfast partners in every chapter of your financial journey. From home-buying to family-planning and beyond, we're here to empower your goals and dreams.

Family in car

Auto Loans

We offer auto loans with competitive rates and terms for new purchases, refinancing, lease buyouts, and first car loans:


We also offer First Car Loans for teens with a parent or guardian as a co-signer. We’ll give the teen the rate based on the co-signer's credit score, while, the loan will work on building the teen’s credit score!

Apply for a hassle-free auto loan today! Call us at 402-391-4040, select option # 1, or click below. 

*Annual Percentage Rate. With approved credit. Rates, terms, and conditions are subject to change without notice. The rate can vary based on creditworthiness, age of the vehicle, and terms of the loan. Financing up to the retail value of the vehicle is available. The credit union will determine the minimum APR. Loan protection is available to members who are active, full-time Sworn Peace Officers who obtain a NEW qualifying loan. Contact our loan department at 402-391-4040, Option 1, for complete details.

Auto Loans
Cars on lot

Auto Buying Service

Our online auto-buying resource center lets you research thousands of new, used, and certified pre-owned vehicles. Find the right style and budget, build your own vehicle, and receive pricing from local dealers.

  • Pre-approved FinancingFor low rates and payments, get pre-approved for a loan today. Apply in person or online before you start shopping, and you’ll have everything you need for an easy and affordable auto-buying experience.

  • Free CARFAX ReportTo help make sure you get a vehicle without problems, we offer one FREE CARFAX vehicle report just for getting pre-approved for a used auto loan. That’s a $39.99 value! CARFAX gives you information about salvage or flood history, total loss events, frame damage, accidents reported to CARFAX, mileage accuracy, number of owners, and other details. 

  • Self-Service Buying -  Our online auto-buying resource center lets you research thousands of new, used, and certified pre-owned vehicles. Find the right style and budget, build your own vehicle, and receive pricing from local dealers.

Use the link below for searching, shopping, or financing your new vehicle, or call 

402-391-4040 and select option # 1 to speak to a Loan Officer.

Auto Buying Service

Recreational Loans

Are you in the market for a new or used toy?  Let us help you finance whatever you call FUN with our recreational loan, which offers low rates, flexible terms, financing options for up to 120 months, and peace of mind.  


Finance any of the following new or used toys with our recreational loan:​ ATV & UTV, Snowmobile, Camper, Motorhome, Travel Trailer, Boat, Personal Watercraft and Jet ski.

Apply for a hassle-free recreational loan today! If you have questions, please call 402-391-4040 and select option # 1 to speak to a loan officer.

Recreational Loans
Visa Platinum Reward Credit Card
A woman using laptop holding credit card

Visa Platinum Reward Credit Card

Looking to build your credit, earn rewards on purchases, and get the lowest possible interest rate? A Police Federal Credit Union of Omaha Visa Platinum Reward Credit Card offers all this and more!

Our Visa Platinum Reward Credit Card gives you financial freedom and protection with:

Apply securely online for a Visa Platinum Reward Credit Card.  If you have questions, please contact a Lending Team member at 402-391-4040, option # 1.

Credit Increase


​If you would like to request a credit increase on your Visa Platinum Reward Credit Card, please complete the online application. 

Please read the following disclosures before applying for a Visa Platinum Reward Credit Card: VISA Platinum Agreement and Disclosure and Visa Platinum Application and Solicitation Disclosure.  If you have any other questions or concerns, you can also visit the VISA website at

Full Service Mortgage Lender

As your full-service mortgage lender, we help you choose the loan that is right for you! Whether you’re a first-time homebuyer or a seasoned homeowner wanting to refinance or upgrade to a larger house, we can help guide you along the right path. We offer terms up to 30 years with a variety of options and competitive rates, all designed to fit your individual needs.

We offer the following home financing programs:

  • First Mortgage Loan

  • Second Mortgage Loan

  • VA Mortgage Loan

  • FHA Mortgage Loan

  • Home Equity Line of Credit

  • HomeReady Program

We offer mortgages in 25 states! Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Iowa, Kansas, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, North Dakota, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Vermont, Wisconsin, and Wyoming.


Get started and apply for a mortgage loan by: 

Police FCU of Omaha, NMLS # 807260

Mary Johnson, NMLS # 807449 
Tiffany Michel, NMLS # 807328 
Janne Price, NMLS # 807253 
Ed Regan, NMLS #  807401 

Elizabeth Davis,  NMLS # 1023905

Mortgage Loans
Second Mortgage & HELOC

Second Mortgage & HELOC

A Second Mortgage or HELOC can be the best option for using your home's equity to get the cash you need for consolidating debt, remodeling, and more!

  • Does not impact your First Mortgage in any way

  • Offers a better rate than most credit card rates

Second Mortgage


  • Borrow fixed amount (Borrow up to 100% of the appraised value of your home!*)

  • Fixed payments amounts

  • Receive lump-sum payment

  • Fixed interest rate

  • Only pay the cost of the appraisal and NO other closing cost

  • NO early payoff penalties

Home Equity Line of Credit (HELOC)


  • Revolving credit with a limit based on your home’s equity

  • Payment is based on the percentage of the outstanding balance owed

  • Draw funds as needed for a specific period of time

  • Variable interest rate based on the prime plus rate

  • NO closing fees or appraisal fees

  • NO early payoff penalties

Apply today!  Call 402-391-4040 and select option # 1 to schedule an appointment to learn more or click the link below to apply now.

*Federally insured by the NCUA. Equal Housing Opportunity. Killed in the Line of Duty Loan Protection is available only for the qualifying officer, and the protection may not be purchased outright. This debt cancellation benefit only applies in the case of death. Please see the loan addendum upon loan closing for more details.

Construction and Commercial Loans
house under construction

Construction and Commercial Loans

Your credit union has partnered with Centennial Lending to offer you a source for Commercial and Construction Loans. Centennial Lending, LLC is a credit union service organization that is fully owned and operated by credit unions. The staff at Centennial comes from varied credit union and commercial banking backgrounds and has years of experience in local markets.

Contact  Centennial Lending at 866-588-1100 or 720-494-2740 for information on commercial and construction loans. You may also contact Ed Regan (NMLS 807401) at 402-391-4040 and select option # 1.

Personal Loans & Share Secure Loans
Beach holiday with family and chairs

Personal Loans and Share Secure Loans

We know life is filled with surprises and unexpected expenses so we offer affordable Personal Loans and Share Secure Loans for nearly any need you may have. These loans could be used for consolidating debt, paying for college expenses or uncovered medical or dental expenses, making home improvements, vacations, or holiday gifts.

Personal Loans:

  • Save money with low, fixed rates

  • Terms up to 60 months

Share Secure Loans:

  • Use a non-IRA savings or share certificate (CD) may be used to secure the loan

  • Get a low interest rate on the money borrowed and still earn interest on the money on deposit at the credit union

Apply for a loan today! Call us at 402-391-4040, select option # 1, or click below. 

Debt Consolidation Loan
father and daughter looking at papers

Debt Consolidation Loans

Pay off higher-rate credit cards and loans you may have at other financial institutions with a fixed-rate debt consolidation loan. Since the rate is fixed, you can rest assured knowing you won’t be receiving any letters from us notifying you of a rate increase.

Use our secure Online Loan Application to apply for a Debt Consolidation Loan.  If you have questions, please call 402-391-4040 and select option # 1 to speak with a Lending Team member.

Student Loans

Student Loans

Whether you’re an undergraduate or graduate student get money for school from Sallie Mae®  Student loans from Police Federal Credit Union in partnership with Sallie Mae®  could help!

Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate students.

  • Competitive interest rates

  • Multiple repayment options

  • No origination fees; no prepayment penalty¹


We offer a Smart Option Student Loan® for Undergraduate Students and our Graduate Loan Suite is designed to meet the needs of students in specific fields of study.


Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Police Federal Credit Union of Omaha is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

¹Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


© 2024 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Credit Builder Loans
smiling woman

Credit Builder Loans

A credit builder loan is perfect for anyone* looking to establish their credit. We offer a Credit Builder Share Secured Loan at 3.5% APR* above the market interest rate, using the current shares you have on deposit as collateral. Here’s how it works:

  • Set aside and pledge $1000 in your share account for the credit builder loan.

  • Make 12 on-time monthly payments.

  • CREDIT IS ESTABLISHED & you still have $1000 in your savings account!  

Please contact a Lending Team member at 402-391-4040, select option # 1, or complete the secure online loan application below.

*Must be 18 years of age in Iowa and South Dakota.  Must be 19 years of age in Nebraska. Annual Percentage Rate. Visit with a loan officer to learn the current market and share secured loan rate.

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