University of Nebraska Federal Credit Union

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Welcome to the University of Nebraska FCU. We are glad you found us and are thinking about becoming a member of our credit union. The University of Nebraska FCU has been helping university students, faculty, staff, volunteers, alumni and their families since 1937. We are known for our friendly staff, competitive rates and a commitment to educate our members and the university community about financial wellness. We have a wide range of products and services designed to make banking with us easy.

Building credit matters, but there's no one-size-fits-all solution. Different cards serve different purposes, which is why we offer two options for every spending styles, so you can find the card that fits your needs. Whether you are looking for the lowest rates, want to avoid high fees or seeking reliable local service, our cards delivers nationwide convenience with hometown care.

By pressing the “APPLY NOW” button above, you are providing ‘written instructions’ under the Fair Credit Reporting Act authorizing University of Nebraska Federal Credit Union to obtain information from your personal credit profile or other information from Experian. You authorize the University of Nebraska Credit Union to obtain such information to evaluate worthiness of extending credit.

Terms and Conditions

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Lenders need two years of address history. Just a few quick details.

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Lenders need two years of address history for both applicants.

What was their previous address?

This helps us match you both with a payment that fits your monthly budget.

Tell us about their housing.

We'll send their loan documents to this address.

What's their mailing address?

We use this to verify their identity.

Federally required to verify their identity. Encrypted and never shared.

Verify your joint applicant's identity.

Including this can help qualify for a better rate.

Two incomes help us qualify both of you for our best rates.

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To join University of Nebraska Federal Credit Union, you must meet one of these criteria - <a style='text-decoration: underline; color: inherit;' href='https://nufcu.org/discover-nufcu/become-member/membership-application/' target='_blank'> Learn More</a>

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You will need one of the following ID documents:<ul style='margin: 8px 0 12px 0; padding-left: 20px;'><li>Driver's license</li><li>State ID</li><li>U.S. Passport</li></ul>Your ID information must match what you provided in the application.

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Interest Rates and Interest Charges Annual Percentage Rate (APR): Rates apply to purchases, cash advances, and balance transfers. Classic Visa: 10.40% to 18.00%1. APR is based on your creditworthiness and will vary with the market based on the Prime Rate. The minimum rate is 6.90%. Big Cred Rewards Visa: 13.40% to 18.00%2. APR is based on your creditworthiness and will vary with the market based on the Prime Rate. The minimum rate is 6.90%. Penalty APR and When it Applies18.00%. This APR may apply to your account if you: are over 60 days past due, or make a payment that is returned and causes your account to be over 60 days past due. How long will the Penalty APR apply? If your APRs are increased for either of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Credit Card Tips from the Consumer Finance Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Finance Protection Bureau at <a target="_blank" rel="noopener noreferrer nofollow" href="http://consumerfinance.gov">consumerfinance.gov</a>. FEES Annual Fee: None Transaction Fees Balance Transfer: None Cash Advance: None Foreign Transaction: 1.00% of each transaction in U.S. dollars. Penalty Fees Late Payment: Up to $25. Returned Payment: Up to $25. How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details. Penalty Rate APR: We may apply the Penalty APR if you are over 60 days past due. Effective Date: The information about the costs of the credit card account described above is accurate as of October 1, 2026. This information may have changed after that date. To find out what may have changed, call us at 1-800-875-5933. 1Variable Rate Information (Classic Visa): Your APR may vary and may increase when the Prime Rate increases. APR is determined by adding a margin to the highest Prime Rate as published in The Wall Street Journal on the last publication day of March, June, September, and December. The APR will change on the first day of the next billing cycle. The margin will range from 3.4% to 14.5%. 2Variable Rate Information (Big Cred Rewards Visa): Your APR may vary and may increase when the Prime Rate increases. APR is determined by adding a margin to the highest Prime Rate as published in The Wall Street Journal on the last publication day of March, June, September, and December. The APR will change on the first day of the next billing cycle. The margin will range from 6.4% to 14.5%. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. University of Nebraska Federal Credit Union reserves the right to change terms, rates and fees at its discretion in accordance with the credit card agreement and applicable law.

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Rates & Fees

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Access all your Account Disclosures <a target="_blank" rel="noopener noreferrer nofollow" href="https://nufcu.org/account-disclosures/">here</a>.USA PATRIOT Act Notice: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or applies for a loan. We may ask to see your driver's license or other identifying documents.

Review

What happens next? We're reviewing your application and will contact you within 1-2 business days via email or phone with a decision.Questions in the meantime? Phone: 402-472-2087<a href="https://nufcu.org/" target="_blank">Learn more about University of Nebraska Federal Credit Union </a>