Lincoln's Trusted Savings & Loan Service
Auto and home equity loans
From cars to homes, our loans could lock in a low fixed rate and ensure you get the property you want. We offer flexible repayment options, and we’re happy to answer your questions. Subject to credit review and approval. Certain restrictions apply. Contact us today.
Personal loans
Other loans
Loans designed with you in mind
- Personal needs
- Vehicles
- Home Equity
- Overdraft Protection
- Credit Cards
- And more.
NMLS ID INFORMATION:
Dannielle Click NMLS ID: 808072
Cheryl Wiemer NMLS ID: 808074
Finding a great rate shouldn't be as difficult as finding Bigfoot!
Coverdell Education Savings Account
Build your nest egg by earning dividends
Saving for the future is vital to securing your golden years from poverty and debt. We offer quality passbook savings accounts that can earn you dividends based on the amount you save. Dividends are compounded and paid monthly. A $25 minimum deposit is required to earn dividends. Contact us today to learn more about these accounts and to help plan for your future. At Spirit of America Federal Credit Union – we’ll work with you to see your financial success.
Frequently Asked Questions About Loans and Savings at Spirit of America FCU
Spirit of America Federal Credit Union provides member-focused loans and savings options to individuals and families in Lincoln, NE.
What Types of Loans Do Credit Unions Like Spirit of America FCU Offer?
Credit unions often provide a broader range of lending options than many expect. Spirit of America FCU may offer loans across several categories, including:
- Vehicle loans for new and used cars, motorcycles, boats, RVs, and travel trailers.
- Home mortgage products that may include FHA, VA, and conventional loan options.
- Student loans designed to help members manage the cost of higher education.
- Credit cards and share or certificate pledge loans for everyday and emergency needs.
How Do Savings Accounts at a Credit Union Work?
Member savings typically earn dividends rather than standard bank interest. At Spirit of America FCU, passbook savings accounts may earn dividends compounded and paid monthly, with a minimum deposit requirement to begin earning.
Who Is Eligible to Join Spirit of America Federal Credit Union?
Spirit of America FCU has historically served military personnel, federal and postal employees, and their families in Lincoln, NE. Eligibility requirements may vary, so contacting the team directly is the best first step.
Are My Deposits Safe at a Federal Credit Union?
Yes. Federal credit unions are insured by the National Credit Union Administration (NCUA), which means member deposits may be protected in a manner similar to FDIC coverage at traditional banks. Spirit of America FCU follows strict safety standards to help keep member savings secure.
How Do I Get Started With a Loan or Savings Account?
Getting started is straightforward. Reach out to the Spirit of America FCU team at (402) 467-1102 to discuss your options, or visit the online services page to learn more about managing your account digitally. All loans are subject to credit review and approval. Certain restrictions apply.
