Calculators

* These calculators are for estimation only. To determine actual terms, rates, and payments, please contact the credit union directly.

Effective Date – November 14, 2023

With approved credit. Rates may increase depending on individual credit history. Rates are subject to change without notice. See the credit union for details.

The following rates are quoted “AS LOW AS”. They may not apply to every borrower. The rate will never be higher than the maximum allowed by law. *APR = Annual Percentage Rate

MORTGAGES

Loan Type Term APR*
15 or 30 Year Mortgage 15 or 30 Years Call for current rates
Second Mortgage
(up to 90% equity)
up to 120 Months As low as 6.75%*
No relationship pricing discount.
Second Mortgage
(up to 90% equity)
121-180 Months As low as 7.00%*
No relationship pricing discount.
Second Mortgage
(100% equity)
up to 120 Months As low as 8.00%*
No relationship pricing discount.
Second Mortgage
(100% equity)
121-180 Months As low as 8.75%*
No relationship pricing discount.

LAND

Term APR
1-5 Years As low as 9.00%*
5-10 Years As low as 9.25%*

Requires Appraisal, Title Insurance/Search, Flood Determination, Filing Fees, Real Estate Loan Payoff Quote Fee, Compilation of Verification of Loan Fee, and Origination Fees

MOBILE HOMES

(Must have 20% down)
Term APR
1-5 Years As low as 10.00%*
5-10 Years As low as 10.50%*
10-15 Years As low as 11.50%*

AUTOS – NEW & USED

(2021 – New)

WITH MAX DISCOUNTS, RATES CAN NOT GO 2% BELOW THE BASE RATE

Term APR
5 years or less As low as 5.50%** with auto-pay
6 years or less As low as 6.00%* with auto-pay
7 years or less As low as 6.49%* with auto-pay

** 60-month term no additional discounts apply. NEW MONEY ONLY.  Doesn’t apply to existing loans.

AUTOS – USED

(2018 – 2020)
Term APR
Up to 5 Years. One year exception to term on loans over 15K only. As low as 6.25%* with auto-pay

NEW MONEY ONLY.  Doesn’t apply to existing loans.

AUTOS – USED

(2017 & Older)
Term APR
Up to 4 years
(subject to qualifications)
As low as 7.00%* with auto-pay

NEW MONEY ONLY.  Doesn’t apply to existing loans.

BOATS, CAMPERS & RV LOANS

Term APR
See loan officer for details. See loan officer for approval and details.

SHARE & CD SECURED

APR
3.50% over share rate
(Discounts for RBL do not apply)

SIGNATURE

APR
As low as 9.49%* with auto-pay

SHARE DRAFT/LINE OF CREDIT

APR
18.00%
(Discounts for RBL do not apply)

For other fees, please contact the credit union

CREDIT CARD RATES

Credit Card Rate
VISA Platinum 8.99% to 18.00%

Other types of loans are available, please contact us for further information.

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all accounts. All accounts are share accounts.

1. Rate Information

The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Police Federal Credit Union of Omaha’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. The Regular Shares, Kirby Kangaroo Club, Vacation Club, and Preferred Market Account (PMA) are Tiered Rate accounts. The Preferred Market Account rate is determined by the last 4 weeks average of 13 and 26-week T-Bill rates. If your account balance is $2,499.99 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule apply. If your account balance is $2,500.00- $24,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is $25,000.00 or greater, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. Once a particular balance range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

2. Nature of Dividends

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period.

3. Dividend Compounding and Crediting

The compounding and crediting of dividends and the dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends

For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information

The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum Average Daily Balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.

6. Account Limitations

For all Share accounts which includes Kirby Kangaroo Club, Vacation Club, and Christmas Club accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. PMA cannot be used as security for a loan. The credit union will not automatically transfer from this account to cover negative balances in other accounts (i.e., share drafts, share accounts.) This account is not covered by credit union pay life insurance. For IRA Share and Share Draft accounts, no account limitations apply.

*All rates are expressed as annual percentage rate (APR) unless otherwise noted and are subject to change without notice. All loan financing is based upon credit qualifications. Rates are applicable to new money only. The rate will never be higher than the maximum allowed by law. Not all borrowers will qualify for the same rate when a rate is listed “as low as”. Rates listed “as low as” are based on the borrower’s creditworthiness, which includes factors such as debt ratio and credit history, and include all relationship discounts (see below).

Relationship discounts on fixed-rate, closed-end loans are available up to 2.0% based on the following relationships:

  • Payroll deduction or ACH automatic payments;
  • Election of Payment Protection Insurance (IE: Credit Life or Credit Disability Insurance); AND
  • Adding a second loan at the same time, opening a VISA Card, adding overdraft protection line of credit, or opening a Home Equity Line of Credit.

Please see one of our lending professionals to determine your best rate.