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We seek to offer the best rate for all your saving and borrowing needs. Before you open an account or accept financing with another institution, call us at (402) 465-1000  or apply now. We'll help you compare all terms and determine the best possible loan for you.

These tables list our best published rate. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice. 

EFFECTIVE: January 25, 2020

Conventional 30 Year Fixed Loan

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Rates As Low As * 3.500%

APR As Low As * 3.573%

Est. Monthly Payment * $ 898.09

  • Predictable payments
  • Free 60 day rate lock
  • For home purchases or refinancing
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Conventional 30 Year Fixed Loan

Low fixed, monthly payments make this loan ideal for many consumers. Your principal and interest payment will not change over the life of the loan making ideal for those who plan to stay in their home for several years.

FHA 30 Year Fixed Loan

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Rates As Low As * 2.875%

APR As Low As * 3.717%

Est. Monthly Payment * $ 963.12

  • Predictable payments
  • Free 60 day rate lock
  • Low down payment
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FHA 30 Year Fixed Loan

Insured by the Federal Housing Administration (FHA) and ideal for first-time homebuyers seeking a low down payment.* These loans tend to have more flexible lending requirements due to less stringent down-payment and credit requirements than conventional mortgages.

*Federal Housing Administration (FHA) loans require a minimum of 3.5% down payment. FHA loans are subject to an up-front mortgage insurance premium of 1.75% of the loan amount, in addition to a monthly mortgage insurance premium, depending on the loan term and loan-to-value (LTV).

VA 30 Year Fixed Loan

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Rates As Low As * 2.875%

APR As Low As * 3.143%

Est. Monthly Payment * $ 829.78

  • Predictable payments
  • Free 60 day rate lock
  • 100% financing available
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VA 30 Year Fixed Loan

Available to eligible service members and backed by the Department of Veterans Affairs (VA), this fixed-rate loan offers 100% financing options and no Mortgage Insurance (MI) requirement.*

*100% financing loans include an additional funding fee, which may be financed up to the maximum loan amount. Product features are subject to approval. Available for purchase loans only.

Conventional 15 Year Fixed Loan

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Rates As Low As * 3.000%

APR As Low As * 3.127%

Est. Monthly Payment * $ 1381.16

  • Predictable payments
  • Free 60 day rate lock
  • Faster payoff
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Conventional 15 Year Fixed Loan

These loans offer a short loan term and typically lower interest rates so you can pay your home faster and build equity more quickly, although your monthly payments will be higher. These loans, although used for many purchases, are a popular refinancing option.

Conforming 5/1 ARM Loan - 30 year Term

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Rates As Low As * 4.125%

APR As Low As * 4.235%

Est. Monthly Payment * $ 969.30

  • Lower initial monthly payment
  • Free 60 day rate lock
  • 100% financing available
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Conforming 5/1 ARM Loan - 30 year Term

These adjustable rate loans begin with a fixed interest rate for the initial term and then the interest rate will adjust according to an index. Consumers who know they will be moving in a few years find this loan appealing because of the lower rate and monthly payment that occurs in the first 5 years.

USDA 30 Year Fixed Loan

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Rates As Low As * 2.875%

APR As Low As * 3.312%

Est. Monthly Payment * $ 888.12

  • Predictable payments
  • Free 60 day rate lock
  • 100% financing available
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USDA 30 Year Fixed Loan

A zero-down, 100 percent financing home loan sponsored by the United States Department of Agriculture. Property location and income limits do apply.

*Payments shown do not include taxes or insurance, actual payments may be greater. Some estimated payments may include Private Mortgage Insurance if it is required by the loan type. Rates and offers are in effect as of the effective date listed above the rates, for new applications only, for a limited time, and subject to change without notice. Example based on $200,000 loan. Other restrictions apply. Rates that are variable, ARM loans for example, can increase by no more than 6 percentage points over the term of the loan (11.0% for this example). Since the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

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