Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Lincoln, NE
Founded in 1955, LincOne Federal Credit Union has evolved from a small cooperative serving Goodyear employees into a full-service financial institution serving all who live, work, worship, or study in Lancaster County and Lincoln, NE. Governed by a nine-member Board of Directors and driven by a commitment to member ownership, we offer competitive rates on auto loans, mortgages, home equity loans, credit cards, and savings accounts. Our merger with Peoples Choice Federal Credit Union in 2015 strengthened our ability to provide innovative financial solutions while maintaining personalized service.With three convenient locations and a focus on community impact, we prioritize financial education, local partnerships, and technology-driven convenience. Our team of experienced professionals delivers tailored guidance for first-time homebuyers, debt consolidation, and lifes unexpected expenses, ensuring members maintain control over their financial futures.
Services
Auto Loans
Mortgage Loans
Home Equity Loans
VISA Credit Cards
Checking Accounts
Savings Accounts
Personal Loans
IRAs
Online Banking
ATM Network
Details
- Year established: 1955
Highlights and features
- We offer personalized financial guidance from local experts with decades of community banking experience
- Our member-owned structure ensures competitive rates and reinvestment in the Lincoln community
- We provide flexible loan options including low-rate auto financing and first-time homebuyer programs
- Our digital tools enable 24/7 account management with secure online banking and mobile apps
- We maintain a 98% member satisfaction rate based on annual service quality surveys
Associations and certifications
- National Credit Union Administration
What people say
Friendly and helpful
Timely and professional
Customer oriented
Warm welcome
Phenomenal service
Services
Auto Loans
LincOne offers competitive new and used auto loan programs with flexible terms from 24-84 months. Our financing options include traditional fixed-rate loans and FlexAuto loans featuring 30-40% lower monthly payments with guaranteed future value protection. Members benefit from rate discounts for autopay enrollment and local dealership partnerships.
Mortgage Loans
We provide conventional, VA, and FHA mortgage programs for primary residences, investment properties, and first-time homebuyers. Our local loan officers offer personalized guidance through the pre-approval process with typical closing timelines of 30 days. Specialized programs include low-down-payment options and mortgage refinancing solutions tailored to individual financial goals.
Home Equity Loans
Access your home's equity through fixed-rate loans up to 100% of appraised value or variable-rate lines of credit. Funds can be used for home improvements, debt consolidation, or education expenses. Competitive rates start at 5.70% APR for fixed loans with $5,000 minimum borrowing requirement.
VISA Credit Cards
Our VISA credit cards feature low APRs starting at 10.00%, 25-day grace periods, and $0 balance transfer fees. Cardholders receive online account access, mobile payment options, and flexible repayment methods while earning reward points on everyday purchases.
Personal Loans
Unsecured personal loans up to $25,000 with terms from 24-60 months meet unexpected expenses. Competitive rates start at 11.50% APR with optional overdraft protection features. Funds can be used for any valid purpose with quick approval processes for qualified members.
People
Alyssa McManus
Mortgage Loan Officer
NMLS #2406755 with expertise in conventional, VA, and FHA mortgage programs. Provides personalized guidance through the home buying process.
Questions
What are the membership requirements for LincOne Federal Credit Union?
Anyone who lives, works, worships, or studies in Lancaster County or Lincoln, NE can join by opening a $25 savings account.
What loan programs do you offer for first-time homebuyers?
We offer FHA loans with low down payments and conventional loans with private mortgage insurance options tailored to individual financial situations.
How do I report a lost or stolen VISA card?
Call 402.441.3555 for debit cards or 1.888.715.8416 for credit cards immediately to report lost/stolen cards.
What online banking services are available?
Our digital platform includes mobile check deposit, bill pay, account transfers, credit score tracking, and loan application tools.
Do you offer business banking services?
While we specialize in personal financial services, we offer business savings accounts and loans for small business owners.
What are your current auto loan rates?
New auto rates start at 4.25% APR and used at 4.75% APR with autopay enrollment. Terms up to 84 months available.
Videos
