Credit union · NCUA insured
First Nebraska Credit Union Carrot Score
A $183.1M credit union headquartered in Omaha, NE, with 16,107 members and 5 branches in Nebraska.
First Nebraska Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
- CDs75
- Savings88
- Auto loans86
- Credit cards69
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where First Nebraska Credit Union ranks
By Carrot score, in each area where it has branches
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
75beats 39% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.60% | 59% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 3.75% | 54% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.00% | 35% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 2.90% | 41% | 3.05% | 3.65% | 4.07% |
| Qualified | 3.75% | 40% | 3.85% | 4.15% | 4.35% |
Best rates 56.3 · all terms 45.4 → 51.9 → 75
Savings
88top 18% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.07% | 25% | 0.20% | 0.50% | 1.51% |
| $10,000 | 1.50% | 82% | 0.50% | 1.15% | 2.20% |
| $100,000 | 1.75% | 69% | 1.00% | 2.01% | 2.93% |
| Qualified | 2.20% | 88% | 0.60% | 1.31% | 2.43% |
Best rates 84.9 · all balances 69.1 → 78.6 → 88
Auto loans
86top 29% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.70%counts as 4.95% | 65% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 4.70%counts as 4.95% | 76% | 5.39% | 4.99% | 4.49% |
Best rates 76.3 · all vehicles 70.7 → 74.0 → 86
Credit cards
69beats 25% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 12.70% | 25% | 10.90% | 9.90% | 8.90% |
Best rates 24.8 · all rates 24.8 → 24.8 → 69
Where the score could improve
- Savings, $1,0000.50%0.07% today, higher than 25% of U.S. institutions. 0.50% would reach the top quarter; 1.51% the top 10%.
- Auto loans, New vehicle4.74%4.70% today, lower than 65% of U.S. institutions. 4.74% would reach the top quarter; 4.25% the top 10%.
- Savings, $100,0002.01%1.75% today, higher than 69% of U.S. institutions. 2.01% would reach the top quarter; 2.93% the top 10%.
- To score in the 90s3.66%At least one product needs a rate near the best in the country, like 3.66% or more on a 3-8 month CD (3.60% today), and strong rates on its other terms.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How First Nebraska Credit Union got its score
Its products stand at 78.6 for savings, 74.0 for auto loans, 51.9 for CDs and 24.8 for credit cards, out of 100. Its best two, savings and auto loans, average 76.3. Publishing four products adds 3.0, for 79.3. That puts it in the top 25% nationally: a Carrot Score of 86.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.