Credit union · NCUA insured
First Lincoln FCU Savings Rates
First Lincoln FCU’s best savings rate is 0.75% APY on $10,000, with its Money Market Plus Account. Rates checked October 22, 2026.
How First Lincoln FCU’s savings 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
0.75%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $75
Money Market Plus Account
Top rate
Cornhusker Bank
3.46%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $346
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
First Lincoln FCU savings score
82
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus Account
0.75%APY
Multi-Tiered Dividends Paid Monthly. $50.00 service fee on accounts below $5,000.00. Up to 3 free withdrawals per month; additional withdrawals incur a $25.00 fee per withdrawal (withdrawals include electronic debits and cash or check withdrawals).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000$50.00 service fee applies on balances below $5,000.00. | 0.75% | $75 | $50.00 service fee applies on balances below $5,000.00. |
| $15,000 – $50,000$50.00 service fee applies on balances below $5,000.00. | 1.25% | — | $50.00 service fee applies on balances below $5,000.00. |
| $50,000 – $100,000$50.00 service fee applies on balances below $5,000.00. | 1.50% | — | $50.00 service fee applies on balances below $5,000.00. |
| $100,000 – $200,000$50.00 service fee applies on balances below $5,000.00. | 1.75% | — | $50.00 service fee applies on balances below $5,000.00. |
| $200,000 and up$50.00 service fee applies on balances below $5,000.00. | 2.00% | — | $50.00 service fee applies on balances below $5,000.00. |
Money Market Account
0.10%APY
Multi-Tiered Dividends Paid Monthly. $10.00 service fee on accounts below $1,000.00. Up to 5 free withdrawals per month; additional withdrawals incur a $5.00 fee per withdrawal (withdrawals include electronic debits and cash or check withdrawals).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$10.00 service fee applies on balances below $1,000.00. | 0.05% | — | $10.00 service fee applies on balances below $1,000.00. |
| $10,000 – $25,000$10.00 service fee applies on balances below $1,000.00. | 0.10% | $10 | $10.00 service fee applies on balances below $1,000.00. |
| $25,000 – $50,000$10.00 service fee applies on balances below $1,000.00. | 0.10% | — | $10.00 service fee applies on balances below $1,000.00. |
| $50,000 – $100,000$10.00 service fee applies on balances below $1,000.00. | 0.15% | — | $10.00 service fee applies on balances below $1,000.00. |
| $100,000 and up$10.00 service fee applies on balances below $1,000.00. | 0.15% | — | $10.00 service fee applies on balances below $1,000.00. |
Share Savings Account
0.10%APY
Required for All FLFCU Members Must Maintain $5.00 Minimum Balance For Membership Purposes Multi-Tiered Dividends Paid Monthly This account has up to 5 free withdrawals per month, additional withdrawals during the month will incur $1.00 fee per withdrawal. (Withdrawals include electronic debits, overdraft protection transfers, and cash or check withdrawals.)
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.10% | — |
| $10,000 and up | 0.10% | $10 |
Special-purpose accounts
Youth Savings Accounts
3.00%APY
For youth ages 0-18 years. Benefit from special promotions just for young savers; pick a prize with each deposit of $1.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,0003% APY up to $3,000.Up to $3,000 | 3.00% | — | 3% APY up to $3,000. |
Sources (1)
- firstlincoln.org/savings-accounts · captured Sep 24, 2026
IRA Savings Account
0.15%APY
No Minimum Balance No Administrative Costs or Fees Competitive Variable Interest Rate Multi-Tiered Dividends Paid & Compounded Monthly
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.10% | — |
| $500 and up | 0.15% | $15 |
Sources (2)
All captured Sep 24, 2026
Holiday Club Accounts
0.05%APY
Save for the holidays throughout the year. Maturity is October 1st; term varies depending on the date opened. No fees for withdrawals during October, November & December; subject to a $2.00 service fee per withdrawal outside these months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. Rate schedule shared from Club/Special Purpose Savings Account.Any balance | 0.05% | $5 | Applies to all balances. Rate schedule shared from Club/Special Purpose Savings Account. |
Special Club/Additional Savings Accounts
0.05%APY
Suited to meet all of your special needs Save for vacations, a new car, escrow funds, child's education, and more These accounts have up to 5 free withdrawals per month, additional withdrawals during the month will incur $1.00 fee per withdrawal. (Withdrawals include electronic debits, overdraft protection transfers, and cash or check withdrawals.)
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 0.05% | $5 | Applies to all balances. |
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.