First Nebraska Credit Union https://firstnebraska.org/ Tue, 17 Mar 2026 15:29:42 +0000 en-US hourly 1 Join us at Enterprise! https://firstnebraska.org/news/join-us-at-enterprise-2026/ https://firstnebraska.org/news/join-us-at-enterprise-2026/#respond Tue, 17 Mar 2026 15:20:35 +0000 https://firstnebraska.org/?p=23550 Join us for Enterprise Day—a fun, free event where you can explore vehicles, grab lunch, and take advantage of special auto loan savings! 🚗 📅 Saturday, April 11⏰ 9 AM – 5 PM📍 Enterprise Car Sales (near 180th & Dodge, Omaha) What you can expect: 🚘 A huge selection of vehicles with no-haggle pricing💰 Special... Read more »

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cosponsored by

Join us for Enterprise Day—a fun, free event where you can explore vehicles, grab lunch, and take advantage of special auto loan savings! 🚗

📅 Saturday, April 11
⏰ 9 AM – 5 PM
📍 Enterprise Car Sales (near 180th & Dodge, Omaha)

grab lunch, look at vehicles and enter to win

What you can expect:

🚘 A huge selection of vehicles with no-haggle pricing
💰 Special auto loan rate discounts in April — earn up to 0.50% off your auto loan
📄 Quick application approvals or pre-approvals from First Nebraska Credit Union
🎁 Hourly prize drawings – one $50 gift card winner every hour
🌭 Free lunch served from 11 AM–2 PM (while supplies last)

Thinking about buying a vehicle?

You can schedule a test drive ahead of time or apply online to get pre-approved so you know exactly how much you qualify for.

Schedule a test drive ahead of time
Apply online to get pre-approval

This event is FREE and open to everyone—whether you’re a member or not.

Come check out the cars, enjoy lunch, and see how easy financing your next vehicle can be.

On Saturday, April 11 from 9 AM–5 PM, stop by Enterprise Car Sales (near 180th & Dodge) and connect with First Nebraska Credit Union for a day of great deals and prizes.

Bring a friend and we’ll see you there! 🚗🎉


All loans subject to approval. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions.
* While supplies last.
** Need not be present to win. Open to eligible entrants, at least 18 years of age and United States Residents. Odds of winning are based on number of entrants. Winners will be contacted via phone and/or email. No purchase necessary. Visit firstnebraska.org/news/enterprise-day for full terms and conditions.
1 Offer available when you buy a vehicle from Enterprise and finance it through FNCU, April 1-30, 2026. To receive up to 0.50% rate discount, Member must have FNCU checking account. Members without a checking account may receive a slightly higher rate (.25%). Other restrictions may apply. Interest accrues from the date of funding. Election of 60-day first payment due date may increase finance charges. Offer is valid for new auto loans only and is not available on refinances of existing FNCU loans.
+For a period of seven days after the vehicle purchase date or 1,000 miles beyond the odometer reading at purchase, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Sales Consultant.

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Henry Doorly Zoo Membership Drive 2026 https://firstnebraska.org/news/henry-doorly-zoo-membership-drive-2026/ https://firstnebraska.org/news/henry-doorly-zoo-membership-drive-2026/#respond Fri, 13 Mar 2026 16:07:01 +0000 https://firstnebraska.org/?p=23534 Are you getting a zoo membership and would like to have the amount deducted from your FNCU account? We make it easy for you to get your zoo membership at the discounted rate during their membership drive ($15 off)! We can automatically deduct the amount out of your account. Choose your preferred membership level to... Read more »

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Are you getting a zoo membership and would like to have the amount deducted from your FNCU account?

We make it easy for you to get your zoo membership at the discounted rate during their membership drive ($15 off)! We can automatically deduct the amount out of your account.

Choose your preferred membership level to enjoy exclusive member benefits including:

  • Unlimited daytime visits
  • Monthly member appreciation perks
  • Discounts on camps, classes, and special events
  • Free films at the Lozier Giant Screen Theater*
  • Discounted admission at participating A2A-accredited zoos and aquariums across the country*
  • 5% off concessions, rides*, and gift shop purchases

Household

$205/year

Ideal for families. Includes:

  • Up to two listed members at one address or one listed member and one guest
  • Up to six dependent children (ages 0-20) at the member’s address

Dual

$155/year

Perfect for two adventurous zoo goers. Includes:

  • Up to two listed members at one address or one listed member and one guest

Grandparent

$205/year

Great for grandparents. Includes:

  • Up to two listed members at one address or one listed member and one guest
  • Up to six grandchildren (ages 0-20)

Individual

$109/year

Best deal for an individual who frequents the zoo. Includes:

  • One listed member only

 

Give us a call at (402) 492-9100 or visit one of our branches.

Get yours today! Ends Wednesday, April 15.

Please allow 7-10 days after your submission for the membership to be processed at the zoo.

*Benefit included with Zoo membership only


Or use the zoo’s website directly to sign into your zoo account and pay online:

OR do it yourself on the zoo’s website »

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Bobblehead Giveaway https://firstnebraska.org/news/bobblehead-giveaway/ https://firstnebraska.org/news/bobblehead-giveaway/#respond Wed, 04 Mar 2026 17:27:49 +0000 https://firstnebraska.org/?p=23462 Each month in 2026, we’ll be drawing one winner, from all the funded auto loans during the month! Winner will receive the featured bobblehead of the month. Drawing will be held after the end of each month. Bobblehead Giveaways each month: March: Ken Harvey Bobblehead April: Revealed March 25 Days Hours May: Revealed April 24... Read more »

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Each month in 2026, we’ll be drawing one winner, from all the funded auto loans during the month!

Drawing will be held after the end of each month.

bobblehead guy sitting in car.

Bobblehead Giveaways each month:

Ken Harvey Bobblehead

March:
Ken Harvey Bobblehead

Reveal

April:
Revealed March 25

Days

Hours

Reveal

May:
Revealed April 24

Days

Hours

Reveal

June:
Revealed May 25

Days

Hours

Reveal

July:
Revealed June 24

Days

Hours

Reveal

August:
Revealed July 24

Days

Hours

Reveal

September:
Revealed Aug. 25

Days

Hours

Reveal

October:
Revealed Sept. 24

Days

Hours

Reveal

November:
Revealed Oct. 26

Days

Hours

Reveal

December:
Revealed Nov. 24

Days

Hours


OFFICIAL RULES
PROMOTION DESCRIPTION: The Giveaway promotion (“Promotion”) begins on March 1, 2026 at 12:00:01 a.m. Central Time (“CT”) and ends on December 31, 2026 at 11:59:59 p.m. CT (“Promotion Period”). By participating in the Promotion, each entrant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of First Nebraska Credit Union (“FNCU” and/or “Sponsor”), 10655 Bedford Ave, Omaha, NE 68134, which shall be final and binding in all respects.
ELIGIBILITY: To be eligible, you must: 1) be a legal U.S. resident, and 2) fund a new auto loan with FNCU during the promotion period. DO NOT ATTEMPT TO PARTICIPATE IN THIS PROMOTION IF YOU DO NOT MEET THESE REQUIREMENTS. Employees and anyone living in the same household, officers, and board members of Sponsor, or retailers, sales representatives, advertising and promotion agencies of Sponsor (collectively, “Promotion Entities”). Promotion is void outside of United States and where prohibited by law.
HOW TO ENTER: Your name will automatically be entered into the Promotion when you get approved for and fund a new FNCU Auto Loan. Refinanced or current FNCU Auto Loans do not qualify.
PRIZE: One (1) winner will be randomly selected from eligible entries each month. Prize is one bobblehead, valued at $30-$50. Limit one (1) prize per person during contest period. Need not be present to win. The winner will be chosen by a random drawing after the end of each month in 2026, March through December. Winner will be notified via email and/or phone. If you are notified as a winner, you must comply with all conditions of these Official Rules and winning is contingent on fulfilling all requirements. Any potential prize winner must meet all eligibility requirements of the Sponsor. Winner may pick up their prize at the FNCU branch of their choice. Winner will have 30 days to respond to Sponsor stating they will claim their prize. If prize is unclaimed after 90 days, it will be forfeited. No cash alternative or prize substitution will be allowed, except Sponsor reserves the right to substitute prize(s) of comparable value if a prize listed, or any portion thereof, is unavailable for any reason.
ODDS OF WINNING: Odds of winning a prize will depend on the total number of eligible entries received during the Promotion Period.
WINNER’S LIST: The winner’s first name and last initial, as well as city and state, will be available on the firstnebraska.org/news/bobblehead-giveaway website page between April 5-March 31, 2027.
GENERAL CONDITIONS: Acceptance of a prize constitutes prize winner’s permission for Sponsor and its designees to use prize winner’s name, photograph, likeness, voice, biographical information, statements and address (city and state only) for advertising and/or publicity purposes worldwide and in all forms of media now known or hereafter developed, in perpetuity, without further compensation. Except as contemplated in these Official Rules, personal information collected in connection with this Promotion will be used in accordance with the privacy policy found on the Sponsor website, https://firstnebraska.org.
Sponsor shall have the right to modify, suspend, or terminate the Promotion. The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Official Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.
Sponsor makes no warranties, and hereby disclaims any and all warranties, express or implied, concerning any prize furnished by third parties in connection with the Promotion.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, SUCH PRIZES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND SPONSOR HEREBY DISCLAIMS ALL SUCH WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. GOVERNING LAW/JURISDICTION: ALL ISSUES AND QUESTIONS CONCERNING THE CONSTRUCTION, VALIDITY, INTERPRETATION AND ENFORCEABILITY OF THESE OFFICIAL RULES OR THE RIGHTS AND OBLIGATIONS OF ENTRANTS OR SPONSOR IN CONNECTION WITH THE PROMOTION SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEBRASKA WITHOUT GIVING EFFECT TO ANY CHOICE OF LAW OR CONFLICT OF LAW RULES OR PROVISIONS THAT WOULD CAUSE THE APPLICATION OF ANY OTHER STATE’S LAWS. 

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Financing that moves you! https://firstnebraska.org/news/financing-that-moves-you/ https://firstnebraska.org/news/financing-that-moves-you/#respond Sun, 01 Mar 2026 21:15:31 +0000 https://firstnebraska.org/?p=23430 Auto Loans for every journey. When you start looking for a vehicle: What you get with First Nebraska: Get your next Auto Loan with FNCU! Apply online, stop by or give us a call. Apply online » View rates » Learn more about our Auto Loans » Why get a pre-approval? APR=Annual Percentage Rate. All... Read more »

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Auto Loans for every journey.

When you start looking for a vehicle:

What you get with First Nebraska:

  • Terms 36 to 84 months
  • Quick decision turn-around
  • Flexible payment options
  • Set your payment date
  • Personalized service – the right loan for your needs
bobblehead guy sitting in car.
4.20 auto loan rate

Get your next Auto Loan with FNCU!

pizza guy

Apply online, stop by or give us a call.

Apply online »
View rates »
Learn more about our Auto Loans »

Why get a pre-approval?

  • Know what your rate is going to be
  • Know how much you can afford
  • Shop with confidence
  • Save time at the dealership
  • Quick and easy – apply online today
  • (pre-approval amounts valid for 30 days)

APR=Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and other collateral conditions. Rate will not be less than 4.20% APR for vehicle year 2024 or newer, up to a 36 month term. Quoted auto loan rate is accurate as of 1/1/2026 and subject to change. 36-Month Payment Example: for 2024 or newer vehicle: $25,000 at 4.20% APR for 36 months is $740.32 per month. 60-Month Payment Example: for 2024 or newer vehicle: $25,000 at 4.37% APR for 60 months is $464.59 per month. Debt protection available. Rate is higher for terms greater than those stated above. Terms up to 84 months available. Must have FNCU checking account. Members without a checking account may receive a slightly higher rate (.25%). Other restrictions may apply. Interest accrues from the date of funding. Election of 60-day first payment due date may increase finance charges. Offer is valid for new auto loans only and is not available on refinances of existing FNCU loans.

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Annual Meeting 2025-26 https://firstnebraska.org/news/annual-meeting-25-26/ https://firstnebraska.org/news/annual-meeting-25-26/#respond Tue, 27 Jan 2026 21:45:17 +0000 https://firstnebraska.org/?p=21961 All Members are invited! Our Annual Meeting will be held Thursday, April 23, 2026 at Omaha Marriott (10220 Regency Circle, Omaha, NE). Doors open at 5 p.m. FREE Dinner and dessert bar will be served from 5-6 p.m. The business meeting will start at 5:35 p.m.  RESERVE THE DATE! Call (402) 492-9100 to make your... Read more »

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All Members are invited!

Our Annual Meeting will be held Thursday, April 23, 2026 at Omaha Marriott (10220 Regency Circle, Omaha, NE).

  • Doors open at 5 p.m.
  • FREE Dinner and dessert bar will be served from 5-6 p.m.
  • The business meeting will start at 5:35 p.m. 

RESERVE THE DATE! Call (402) 492-9100 to make your reservation. (not mandatory, but certainly appreciated! We don’t want to run out of food or prizes!) 

Come and vote, and be a part of the credit union movement!

There will be drawings, a goodie bag, and a raffle for Children’s Miracle Network (bring some cash for the raffle, if you’d like a chance to win!)


The Board of Directors is comprised of volunteers who represent the entire membership. 

The FNCU Nominating Committee has announced its nominations for the board positions. The nominees are Karen Fisher and Paul Collett Jr. These candidates are currently serving on the Board of Directors and have agreed to continue to serve if elected. Since the number of candidates presented by the Nominating Committee is equal to the number of positions to be filled, we are not seeking additional candidates at this time.

If you have questions about the election process, you may contact the Nominating Committee at: First Nebraska Credit Union, Attn: Board Nominating Committee, 10655 Bedford Ave., Omaha, NE 68134.

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Employee Recognition https://firstnebraska.org/news/employee-recognitions/ https://firstnebraska.org/news/employee-recognitions/#respond Thu, 15 Jan 2026 12:00:00 +0000 https://firstnebraska.org/?p=9759 Celebrate employee recognitions with us, such as new management, team members, retirements and anniversaries. Dale K., 10 Year Anniversary President and CEO 1/26 – Congratulations Dale! Dale has been in the banking industry for over 30 years. He received his undergraduate degree from UNL and his MBA from UNO. He grew up on a farm... Read more »

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Celebrate employee recognitions with us, such as new management, team members, retirements and anniversaries.

Dale Kovar

Dale K., 10 Year Anniversary

President and CEO

1/26 – Congratulations Dale! Dale has been in the banking industry for over 30 years. He received his undergraduate degree from UNL and his MBA from UNO. He grew up on a farm in Nebraska and currently lives in rural Washington County with his wife of 24 years. He enjoys working on his acreage, watching golf and the Huskers (volleyball & football). He is the past president of his church’s men’s group non-profit organization that is involved with many charities in and around Blair. Fun Fact: Working in his garage on his spare time, he is restoring his father’s Ram 2500 diesel farm truck. It is a labor of love!

Jordan B., Promotion

Jordan B., Promotion

Branch Manager, Bedford Branch

1/26 – Congratulations Jordan! Jordan has been with FNCU since June of 2022. He started as an FSS and moved up to Senior Branch Assistant, then Call Center Lead, and now Branch Manager.
He is from Omaha, and has been with his girlfriend for five years. Jordan enjoys working on cars, playing golf, exercising, and exploring on vacations.
Jordan looks forward to working with his team, the Members, and continuing the member service that Bedford provides!

Ken Stithem

Ken S., 5 Year Anniversary

Vice President of Sales & Service

9/25 – Congratulations Ken! Ken has been with FNCU for 5 years. During that time Ken has taken on various leadership roles within the credit union.  He came to FNCU with over 22 years of leadership experience in the financial industry. He is looking forward to taking on new challenges, contributing in new ways, continuing to grow with our amazing leadership team and continue to passionately serve our members!!

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We put you FIRST! https://firstnebraska.org/news/we-put-you-first/ https://firstnebraska.org/news/we-put-you-first/#respond Thu, 01 Jan 2026 21:45:53 +0000 https://firstnebraska.org/?p=23168 Open a Checking Account with your Credit Union and experience banking on a personal level. We deliver more support, more value, and more respect—because that’s what our members deserve. You’ll enjoy time-saving services with the Checking Account, including: bill pay,* remote check deposit,* eAlerts,* eSignatures, overdraft protection1, and getting a same-day debit card… But that’s... Read more »

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Open a Checking Account with your Credit Union and experience banking on a personal level.

We deliver more support, more value, and more respect—because that’s what our members deserve.

You’ll enjoy time-saving services with the Checking Account, including: bill pay,* remote check deposit,* eAlerts,* eSignatures, overdraft protection1, and getting a same-day debit card…

But that’s just the beginning…!

We’ll make sure you’re taken care of. At First Nebraska, we’ll go out of our way to help you with what you need. If you have questions or something doesn’t go as planned, just give us a call and talk to FNCU staff, or stop in and see us!

They have always helped me if I had an issue. I highly recommend them.
—Mary R. (12/2025)
Member since 2005

Better banking – you deserve it!

Open a Checking account at your Credit Union today!

Apply online, stop in or give us a call.
firstnebraska.org • (402) 492-9100

Apply online »
View rates »
Learn more about our Checking Accounts »

To open a checking account, you must have a share savings account which requires a minimum balance of $5. To qualify for a checking account, you must meet certain eligibility requirements. Certain checking accounts have a monthly service fee or a minimum balance fee. Parent/guardian required for account holders under 18. For more information on our fees for checking, visit firstnebraska.org/checking. All checking products and services are subject to applicable member agreements, terms and conditions.

*Available in online banking or the mobile app.

1. Checking accounts are automatically enrolled with primary savings as a backup funding source in the instance that an overdraft occurs. If checking account does not have enough money to cover a transaction, funds from a linked savings account will automatically transfer (if available). If there are not enough funds available between checking and savings, the transaction may be declined or subject to an overdraft fee.

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Tap into the magic of your home’s equity! https://firstnebraska.org/news/home-equity-magic/ https://firstnebraska.org/news/home-equity-magic/#respond Thu, 01 Jan 2026 19:43:46 +0000 https://firstnebraska.org/?p=23162 Consolidate multiple debts into one payment with lower rates and simpler budgeting—helping your financial stress disappear like magic! Get a Home Equity Loan! 60 MOS. AS LOW AS 5.77% APR* As a homeowner, you may have equity in your home that you can borrow from. Don’t own your home? Ask us about using the equity... Read more »

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Consolidate multiple debts into one payment with lower rates and simpler budgeting—helping your financial stress disappear like magic!
Our magical rates make your money work smarter, not harder.

Get a Home Equity Loan!

60 MOS. AS LOW AS 5.77% APR*

As a homeowner, you may have equity in your home that you can borrow from.

Don’t own your home?

Ask us about using the equity in your car or getting a personal loan.

A little financial wizardry from our Lending Specialists can help you reclaim your peace of mind.

Apply online »
View rates »
Learn more about our Loans »

APR = Annual Percentage Rate. Rates, terms and conditions subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval.

1) It is not guaranteed that consolidating multiple debts into a single monthly payment will result in a lower monthly payment or lower interest rate. Payment reduction may come from a lower interest amount, a longer-term loan, or a combination of both.

*Home Equity/2nd Mortgage: Rates effective as of 1/1/2026. Rate offered for secured, new money loans only, for terms of 60 months. Collateral insurance required. Payment example: For a $25,000 dwelling secured loan for a term of 60 months at 5.77% APR, the monthly payment will be $480.70. Debt protection is available. Applicants will be responsible for cost of appraisal if required. Available for residences located in Nebraska and Pottawattamie County in Iowa. All payments calculated with loan-to-value of 80%. The actual amount of your loan will be determined by the amount of equity in collateral. Rates are higher for LTV over 80% or terms greater than 60 months. Terms up to 180 available. Must have FNCU checking account with direct deposit and automatic loan payment. Members without a checking account, direct deposit and automatic loan payment may receive a slightly higher rate (.25%). Credit qualifications and other restrictions may apply. Actual rate and monthly payment amount may vary. Payment examples do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

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Quarterly Newsletter – Jan 2026 https://firstnebraska.org/news/newsletter-jan-2026/ https://firstnebraska.org/news/newsletter-jan-2026/#respond Thu, 01 Jan 2026 01:05:20 +0000 https://firstnebraska.org/?p=23139 New Year, Strong Rates As we step into a new year, I want to take a moment to thank you for your continued trust in your credit union. Everything we do is guided by one simple goal: putting our members first.With the Federal Reserve recently dropping the Federal Funds rate, we’ve also lowered our Auto... Read more »

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New Year, Strong Rates

As we step into a new year, I want to take a moment to thank you for your continued trust in your credit union. Everything we do is guided by one simple goal: putting our members first.
With the Federal Reserve recently dropping the Federal Funds rate, we’ve also lowered our Auto loan rates to offer you competitive, affordable auto loans.

At the same time, we’ve worked hard to keep our deposit rates strong, so your savings continue to earn competitive returns.

As a member-owned financial cooperative, we work to balance member benefits when market conditions change.

As we begin the new year, please know that we remain committed to supporting your financial well-being and helping you move forward with confidence. Thank you for being a valued member, and we look forward to serving you in the year ahead.

Annual Meeting in April

All Members are invited to our Annual Meeting, which will be held Thursday, April 23, 2026 at the Omaha Marriott (10220 Regency Circle, Omaha, NE). Doors open at 5 p.m. Dinner and dessert bar will be served from 5-6 p.m. The business meeting will start at 5:35 p.m.
The Board of Directors is comprised of volunteers who represent the entire membership.

RESERVE THE DATE!
Call (402) 492-9100 to make your reservation.

Do This, Not That – Plan Your 2026 Finances with Ease

According to a recent WalletHub survey1, nearly 3 in 4 people say their financial situation impacts their mental well-being, and 69% of Americans feel insecure about their finances. It is no wonder so many of us are tired of traditional “new year, new budget” advice.

Financial wellness does not have to mean strict spreadsheets. It is about taking small, actionable steps to feel more in control.

Do This: Review your spending patterns
Not That: Start with a strict budget

Take a week to observe how you actually spend. Look at your bank statements and credit card bills to spot patterns. Are subscriptions you no longer use still draining your account? Are grocery runs adding up to more than you realize?
When you understand where your money is really going, you can make small, realistic adjustments – like shopping for generic brands or switching streaming services seasonally. Real progress beats rigid plans every time.

Do This: Automate what you can
Not That: Rely on willpower to save

If you have ever meant to transfer money into savings but forgot (again), automation can save you from yourself. Schedule automatic transfers to savings on payday, set up direct deposit to savings, or set up autopay for bills to avoid late fees.
This trick works because it removes temptation and decision fatigue – two major barriers to saving consistently. Even a small automatic transfer adds up over time. Think of it as paying your future self-first.

Do This: Build an emergency cushion
Not That: Wait until you can save “enough”

A full emergency fund (three to six months of expenses) sounds great on paper and can feel impossible when money is tight. Start smaller. Even $20 a week builds momentum. Keep it in an easy-access account, separate from other money, so it does not get mixed with daily spending.
This cushion helps protect you from unexpected costs – a car repair, a surprise bill, or even a missed paycheck – and gives you confidence that you can handle what comes your way.

Do This: Plan for joy – not just bills
Not That: Treat fun as “extra” or “unnecessary”

Your budget should not just be about survival. Planning ahead for things that bring you joy, like a family outing, a weekend getaway, or even a nice meal out, keeps your financial plan sustainable. When you budget for joy and happiness, you are less likely to fall into guilt spending or burnout later.

Do This: Check your credit and debt picture
Not That:
Avoid it because it feels stressful

It is tempting to look away from debt; however, facing it head-on is the first step to taking control. Pull your free credit report at AnnualCreditReport.com and review all your balances, interest rates, and due dates.
Focus on paying off the smallest balance first (the “snowball” method) to build momentum or tackle the highest-interest debt first (the “avalanche” method) to save money over time.

Do This: Seek trusted support
Not That:
Navigate your finances alone

You do not have to have every answer to feel financially confident. Your financial institution offers budgeting tools, workshops, or savings programs to help you get started.
If you are dealing with debt, GreenPath offers free financial counseling and a proven Debt Management Program designed to lower interest rates, reduce payments, and reduce your stress in the coming year.

This article is shared by our partners at GreenPath Financial Wellness, a trusted national non-profit.

greenpath logo

Take the first step: Call 877-337-3399

1. wallethub.com/blog/financial-insecurity-survey/139480

Donations for Children’s Nebraska

In 2025, we teamed up with Credit Union for Kids to raise money for Children’s Miracle Network, and that money goes directly to Children’s Nebraska hospital in Omaha. We are happy to announce that the total amount given was $5,706.79.

Thanks to the help from the Nebraska Credit Union League, members were able to request personalized letters from Santa, which were sent to the children.
In December, our staff did a 50/50 raffle, and the winner gave all of his winnings back to the cause!
We held a shred event, sold tote bags and gingerbread ornaments, with proceeds going to Children’s Nebraska.
Plus, year-round, 100% of the money from the Branch candy machines, and $4 from every Savvy Merch item ordered goes to Children’s.

About Credit Union for Kids (CU4Kids): It’s a cooperative network of credit unions that support nonprofit children’s hospitals in the U.S. In 2023, they raised over $17 million for Children’s Miracle Network Hospitals. To learn more, visit cu4kids.org.

Accessing Your Money

FNCU has many ways for you to get your money without having to visit a Branch. Here are some ways to do some of the most popular transactions:

  • Transferring funds:
  • Transfer funds between FNCU accounts: On Online Banking/Mobile app, use the “Transfer” button, or give us a call.
  • Transfer funds from FNCU to a non-FNCU account: Use Bill Pay on our Online Banking/Mobile app.
  • Transfer funds from a non-FNCU account to an FNCU account: Use the “Make a Payment” button on our website, or on Online Banking/Mobile app.

Depositing a Check:

  • On the Mobile app, use the “Deposit” button, and take a picture of your check.
  • Use the ATM/ITM or the Night Drop box at any Branch.

Banking when traveling or if an FNCU Branch is not close to you:
Use Shared Branching locations across the U.S., and around the world. There are 5,600 Credit Unions that participates in CO-OP Shared Branching, and can do basic transactions for you. To find a location, visit firstnebraska.org/shared-branching

Check your Credit

New Year’s Reminder!

Get a free credit report at annualcreditreport.com. This is the only official site explicitly directed by Federal law to provide them.
It’s quick and easy to check all three credit report companies at annualcreditreport.com! And, if you find inaccurate information, you can start a dispute.

Checking Perks = Credit Score

Members with Premier, Secure, and Select Checking Accounts can access your credit score for free!
Checking Perks includes identity theft resolution services, credit monitoring, credit file monitoring AND your credit score. To learn more, visit firstnebraska.org/checking-perks.

Your credit report can help detect identity theft. Review your report for suspicious activity or accounts you don’t recognize.

Saturday Hours

Our Lobbies are open on alternating Saturdays of each month:

  • Bedford – Open 1st and 3rd Saturdays.
  • 48th St – Open 2nd and 4th Saturdays.
  • Elkhorn – Open 2nd and 4th Saturdays.
  • Yankee Hill – Open 2nd and 4th Saturdays.
  • Lincoln North – Open 1st and 3rd Saturdays.
  • (All lobbies closed on the 5th Saturday.)

For all Lobby hours and our ITM Drive-thru hours, please visit firstnebraska.org/contact-locations

The Great SEG Giveaway!

Once again, we gave away $1,500 to our Select Employee Group employees in October! Here are the ten $150 gift card winners:
Conductix – Kyle C
Conductix – John M
Judds Bros Construction – Jeff S
Omaha Housing Authority – Julie B
Omaha Housing Authority – Loretta S (pictured)
Rotella’s – Elmer F
Rotella’s – Armondo M
Sarpy County – Leonard P (pictured)
Southeast NE Community Action – Jenny S
Tri-Con Industries – Sarah S (pictured)

Project Santa

Thanks to everyone who donated toys to Project Santa! We were proud to be the drop-off site for this donation drive, brought to you by KFAB, KGOR, the Open Door Mission and Lydia House.

What our members are saying

“FNCU is great to work with, and I appreciate their being there to help with financial needs. The staff is great—caring and friendly. The process is seamless and is done in a timely fashion. The best interest rate was provided to me by FNCU, over other financial institutions, too. Thank you, FNCU!”
—Deborah S.

Closed for the Holidays

Martin Luther King, Jr. Day
Monday, Jan. 19

Washington’s Birthday (Presidents Day)
Monday, Feb. 16

See a list of all 2026 Holidays we observe here.

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Do This, Not That: Plan Your 2026 Finances with Ease https://firstnebraska.org/news/do-this-not-that-plan-your-2026-finances-with-ease/ https://firstnebraska.org/news/do-this-not-that-plan-your-2026-finances-with-ease/#respond Mon, 22 Dec 2025 20:58:06 +0000 https://firstnebraska.org/?p=23131 According to a recent WalletHub survey, nearly 3 in 4 people say their financial situation impacts their mental well-being, and 69% of Americans feel insecure about their finances. It is no wonder so many of us are tired of traditional “new year, new budget” advice. Financial wellness does not have to mean strict spreadsheets. It is about taking small, actionable steps to feel more in control.   Do This: Review your spending patterns  Not That: Start with a strict budget  ... Read more »

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According to a recent WalletHub survey, nearly 3 in 4 people say their financial situation impacts their mental well-being, and 69% of Americans feel insecure about their finances. It is no wonder so many of us are tired of traditional “new year, new budget” advice. Financial wellness does not have to mean strict spreadsheets. It is about taking small, actionable steps to feel more in control.  

Do This: Review your spending patterns 

Not That: Start with a strict budget  

Take a week to observe how you actually spend. Look at your bank statements and credit card bills to spot patterns. Are subscriptions you no longer use still draining your account? Are grocery runs adding up to more than you realize? 

When you understand where your money is really going, you can make small, realistic adjustments – like shopping for generic brands or switching streaming services seasonally. Real progress beats rigid plans every time. 

Do This: Automate what you can 

Not That: Rely on willpower to save 

If you have ever meant to transfer money into savings but forgot (again), automation can save you from yourself. Schedule automatic transfers to savings on payday, set up direct deposit to savings, or set up autopay for bills to avoid late fees. 

This trick works because it removes temptation and decision fatigue – two major barriers to saving consistently. Even a small automatic transfer adds up over time. Think of it as paying your future self-first. 

Do This: Build an emergency cushion 

Not That: Wait until you can save “enough” 

A full emergency fund (three to six months of expenses) sounds great on paper and can feel impossible when money is tight. Start smaller. Even $20 a week builds momentum. Keep it in an easy-access account, separate from other money, so it does not get mixed with daily spending. 

This cushion helps protect you from unexpected costs – a car repair, a surprise bill, or even a missed paycheck – and gives you confidence that you can handle what comes your way. 

Do This: Plan for joy – not just bills 

Not That: Treat fun as “extra” or “unnecessary” 

Your budget should not just be about survival. Planning ahead for things that bring you joy, like a family outing, a weekend getaway, or even a nice meal out, keeps your financial plan sustainable. When you budget for joy and happiness, you are less likely to fall into guilt spending or burnout later. 

Do This: Check your credit and debt picture 

Not That: Avoid it because it feels stressful 

It is tempting to look away from debt; however, facing it head-on is the first step to taking control. Pull your free credit report at AnnualCreditReport.com and review all your balances, interest rates, and due dates. 

Focus on paying off the smallest balance first (the “snowball” method) to build momentum or tackle the highest-interest debt first (the “avalanche” method) to save money over time.   

Do This: Seek trusted support  

Not That: Navigate your finances alone 

You do not have to have every answer to feel financially confident. Your financial institution offers budgeting tools, workshops, or savings programs to help you get started.  

If you are dealing with debt, GreenPath offers free financial counseling and a proven Debt Management Program designed to lower interest rates, reduce payments, and reduce your stress in the coming year.  

The post Do This, Not That: Plan Your 2026 Finances with Ease appeared first on First Nebraska Credit Union.

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