Credit union · NCUA insured
First Lincoln FCU CD Rates
First Lincoln FCU’s best CD rate is 3.86% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How First Lincoln FCU’s CD rates compare
Compared with banks and credit unions near Lincoln, NE, where First Lincoln FCU has the most branches. $10,000, best rate first.
This credit union’s best
First Lincoln FCU
3.86%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $191
Share Certificates
Top rate
Cornhusker Bank
4.46%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,907
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
First Lincoln FCU CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.86%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.86%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Lincoln FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.86%APY · 5 terms
Fixed rate for the specified term. Penalty imposed for early withdrawal. Dividends paid and compounded monthly. Dividends may be added back to the certificate or deposited into share savings or checking account. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fixed rate | 3.86% | $191 |
| 12 monthsPenalty for early withdrawal. Fixed rate | 3.45% | $345 |
| 18 monthsPenalty for early withdrawal. Fixed rate | 3.30% | $499 |
| 24 monthsPenalty for early withdrawal. Fixed rate | 3.20% | $650 |
| 36 monthsPenalty for early withdrawal. Fixed rate | 3.04% | $940 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.86%APY · 5 terms
Available as Traditional or Roth IRA share certificate. No administrative costs or fees. Fixed rate for the specified term. Penalty imposed for early withdrawal. Dividends paid and compounded monthly. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fixed rate. No administrative costs or fees | 3.86% | $191 |
| 12 monthsPenalty for early withdrawal. Fixed rate. No administrative costs or fees | 3.45% | $345 |
| 18 monthsPenalty for early withdrawal. Fixed rate. No administrative costs or fees | 3.30% | $499 |
| 24 monthsPenalty for early withdrawal. Fixed rate. No administrative costs or fees | 3.20% | $650 |
| 36 monthsPenalty for early withdrawal. Fixed rate. No administrative costs or fees | 3.04% | $940 |
Sources (2)
All captured Sep 18, 2026
Who can join First Lincoln FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all persons who either live, work, worship or attend school in Lancaster County, Nebraska.
Family and household
- Open to immediate family members of eligible persons.
Membership information collected October 4, 2026.