Welcome to LPS Employees Federal Credit Union
Serving employees and retirees of Lincoln Public Schools
Rates
Savings Account  0.30%     0.30% Checking Account  0.30%     0.30%
*The annual percentage yield (APY) is based on monthly compounding. Rates are subject to change at any time. Penalty for early withdrawal. All accounts insured to at least $250,000.00.
Share Certificates (CD)
Share Rates
Rate
APY*
Rate
APY*
Credit Score             >700           699-650       649-550   New Vehicle/RV (2020 & Newer) 60 mo. or less    2.50%      3.50%      5.50% 61-72 mo.         3.50%      4.50%      6.50%        73-96 mo.          4.5%      n/a    
1 - 6 Years 2.50%          
Auto/RV/Motorcycle/Boat Loans
Refinance of existing LPS loan requires a minimum $250.00 increase to loan.
7 -10 Years 3.50%
Used Vehicles/RV  (2019 & Older. Add 1.0% for collateral over 10 years old)
6 mo 5.00% 6.50%   7.90%      8.90%   12 mo. 5.90% 6.90%   8.90%      9.90%    24 mo. 6.90% 7.90%   9.90%      10.90% 36 mo. 7.90% 8.90% 10.90%     n/a  48 mo. 8.90% 9.90% n/a        n/a
Home Equity Loans 
We now offer GAP & Assurance Plus on vehicle loans for the low price of $275.00 which insures you in the case of a total loss (GAP) and up to a $500 insurance deductible reimbursement (Assurance Plus) for any accident on a car within your household— this is an awesome benefit!! 
1-3 years 4-5 years 6-10 years 11-15 years
3.90% 4.25% 4.75% 5.75%
>650
4.40% 4.90% 5.40% 5.90%
4.90% 5.40% 5.90% 6.40%
0-25,000 10 yr max 25,000 + 15 yr max Minimum 600 credit score Member pays closing costs
Up to $500: 6 mos | $500-1000: 1 yr max | $1000-2500: 2 yrs max  $2500- 5000: 3 yrs max  |  > $5000 4 yr max
4.25% 4.40% 4.90% 5.90%
<650
4.90% 5.40% 5.90% 6.40%
5.90% 5.90% 6.40%
SAVINGS RATES
LOAN RATES
$1000-2500 24 mo. 2.50% 3.50%  5.50%      6.50%    $2500-$5000 36 mo. 2.50% 3.50%  5.50%      7.50% $5000-10,000 48 mo.   3.50% 4.50%  6.50%      8.50% 10,000-20,000 60 mo. 3.50% 4.50%  6.50%      9.50%   $20,000+ 72 mo. 4.50% 5.50%  7.50%      10.50%   $20,000+ 84 mo. 4.50% 5.50%  n/a      n/a $20,000+ 96 mo. 5.50% 6.50%  n/a      n/a
Credit Score         >700    |   699-650    |    649-600   |  599-550
Loan Application 
80% Loan to Value         
70% Loan to Value      
   90% Loan to Value         
>650
<650
>650
<650
Term
Credit Score        >700          |   699-650    |    649-600   |    599-550
Savings/CD Balance Secured
Personal Loans  Maximum 10% of Annual LPS Income W.A.C.
Loan Application 
Refinance of any existing loan requires minimum $250.00 increase to loan. 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency
Effective February 19, 2021. Rates subject to change.
Apply Online 
12 Month  .50%     .50% 24 Month  .65%     .65% 30 Month  .80%     .80%
Main Location 5621 N Street Lincoln, NE 68510 402.486.3644 Hours Mon-Fri 7:30 am to 4:30 pm Sat  8:00 am to Noon
Satellite Location Located inside LPSDO 5905 O Street, Room 134 531.500.3819 CLOSED
Routing # 304 982 581
Welcome to LPS Employees Federal Credit Union
Serving employees and retirees of Lincoln Public Schools
Rates
Routing # 304 982 581
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency
Savings Account  0.30%     0.30% Checking Account  0.30%     0.30%
*The annual percentage yield (APY) is based on monthly compounding. Rates are subject to change at any time. Penalty for early withdrawal. All accounts insured to at least $250,000.00.
Share Certificates (CD)
Share Rates
Rate
APY*
Rate
APY*
Credit Score             >700           699-650       649-550  New Vehicle/RV (2020 & Newer) 60 mo. or less    2.50%      3.50%      5.50% 61-72 mo.       3.50%      4.50%      6.50%        73-96 mo.          4.5%      n/a      
1 - 6 Years 2.50%          
Auto/RV/Motorcycle/Boat Loans
Refinance of existing LPS loan requires a minimum $250.00 increase to loan.
7 -10 Years 3.50%
Used Vehicles/RV  (2019 & Older.Add 1.0% for collateral over 10 years old)
6 mo 5.00% 6.50%   7.90%      8.90%   12 mo. 5.90% 6.90%   8.90%      9.90%    24 mo. 6.90% 7.90%   9.90%      10.90% 36 mo. 7.90% 8.90% 10.90%      n/a  48 mo. 8.90% 9.90% n/a      n/a
Home Equity Loans 
We now offer GAP & Assurance Plus on vehicle loans for the low price of $275.00 which insures you in the case of a total loss (GAP) and up to a $500 insurance deductible reimbursement (Assurance Plus) for any accident on a car within your household— this is an awesome benefit!! 
1-3 years 4-5 years 6-10 years 11-15 years
3.90% 4.25% 4.75% 5.75%
>650
4.40% 4.90% 5.40% 5.90%
4.90% 5.40% 5.90% 6.40%
0-25,000 10 yr max 25,000 + 15 yr max Minimum 600 credit score Member pays closing costs
Up to $500: 6 mos | $500-1000: 1 yr max | $1000-2500: 2 yrs max  $2500- 5000: 3 yrs max  |  > $5000 4 yr max
4.25% 4.40% 4.90% 5.90%
<650
4.90% 5.40% 5.90% 6.40%
5.90% 5.90% 6.40%
SAVINGS RATES
LOAN RATES
$1000-2500 24 mo. 2.50% 3.50%  5.50%      6.50%    $2500-$5000 36 mo. 2.50% 3.50%  5.50%      7.50% $5000-10,000 48 mo.   3.50% 4.50%  6.50%      8.50% 10,000-20,000 60 mo. 3.50% 4.50%  6.50%      9.50%   $20,000+ 72 mo. 4.50% 5.50%  7.50%      10.50%   $20,000+ 84 mo. 4.50% 5.50%  n/a      n/a $20,000+ 96 mo. 5.50% 6.50%  n/a      n/a
Credit Score    >700    |   699-650    |    649-600   |  599-550
Loan Application 
80% Loan to Value         
70% Loan to Value      
   90% Loan to Value         
>650
<650
>650
<650
Term
Credit Score        >700          |   699-650    |    649-600   |    599-550
Savings/CD Balance Secured
Personal Loans  Maximum 10% of Annual LPS Income W.A.C.
Loan Application 
Refinance of any existing loan requires minimum $250.00 increase to loan. 
Effective February 19, 2021. Rates subject to change.
Apply Online 
12 Month  .50%     .50% 24 Month  .65%     .65% 30 Month  .80%     .80%
Main Location 5621 N Street Lincoln, NE 68510 402.486.3644 Hours Mon-Fri 7:30 am to 5:00 pm Sat  8:00 am to Noon
Satellite Location Located inside LPSDO 5905 O Street, Room 134 531.500.3819 CLOSED
Main Location 5521 N Street Lincoln, NE 68510 402.486.3644
Satellite Location Located inside LPSDO 5905 O Street, Room 134 531.500.3819
Routing # 304 982 581
Hours Mon-Fri
7:30 am to 5:00 pm Sat  8:00 am to Noon
CLOSED
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency
Rates
Savings Account  0.30%     0.30% Checking Account  0.30%     0.30%
*The annual percentage yield (APY) is based on monthly compounding. Rates are subject to change at any time. Penalty for early withdrawal. All accounts insured to at least $250,000.00.
Share Certificates (CD)
Share Rates
Rate
APY*
Rate
APY*
Credit Score             >700           699-650       649-550  New Vehicle/RV (2020 & Newer) 60 mo. or less    2.50%      3.50%      5.50% 61-72 mo.         3.50%      4.50%      6.50%        73-96 mo.          4.5%      n/a    
1 - 6 Years 2.50%          
Auto/RV/Motorcycle/Boat Loans
Refinance of existing LPS loan requires a minimum $250.00 increase to loan.
7 -10 Years 3.50%
Used Vehicles/RV  2019 & Older (Add 1.0% for collateral over 10 years old)
6 mo 5.00% 6.50%     7.90%      8.90%   12 mo. 5.90% 6.90%     8.90%      9.90%    24 mo. 6.90% 7.90%     9.90%      10.90% 36 mo. 7.90% 8.90%     10.90%        n/a  48 mo. 8.90% 9.90%     n/a      n/a
Home Equity Loans 
We now offer GAP & Assurance Plus on vehicle loans for the low price of $275.00 which insures you in the case of a total loss (GAP) and up to a $500 insurance deductible reimbursement (Assurance Plus) for any accident on a car within your household— this is an awesome benefit!! 
1-3 years 4-5 years 6-10 years 11-15 years
3.90% 4.25% 4.75% 5.75%
>650
4.40% 4.90% 5.40% 5.90%
4.90% 5.40% 5.90% 6.40%
0-25,000 10 yr max. 25,000 + 15 yr max. Minimum 600 credit score . Member pays closing costs
Maximum 10% of Annual LPS Income W.A.C.  Up to $500: 6 mos | $500- 1000: 1 yr max | $1000-2500: 2 yrs max  $2500-5000: 3 yrs max  |  > $5000 4 yr max
4.25% 4.40% 4.90% 5.90%
<650
4.90% 5.40% 5.90% 6.40%
5.90% 5.90% 6.40%
SAVINGS RATES
LOAN RATES
1000-2500 24 mo. 2.50% 3.50%  5.50%      6.50%    $2500-$5000 36 mo. 2.50% 3.50%  5.50%      7.50% $5000-10,000 48 mo.   3.50% 4.50%  6.50%      8.50% 10,000-20,000 60 mo. 3.50% 4.50%  6.50%      9.50%   $20,000+ 72 mo. 4.50% 5.50%  7.50%      10.50%   $20,000+ 84 mo. 4.50% 5.50%  n/a      n/a $20,000+ 96 mo. 5.50% 6.50%  n/a      n/a
Credit Score        >700    |   699-650    |    649-600   |  599-550
Loan Application 
80% Loan to Value         
70% Loan to Value      
   90% Loan to Value       
>650
<650
>650
<650
Apply Online 
Term
Credit Score              >700       |   699-650    |    649-600   |   599-550
Savings/CD Balance Secured
Personal Loans 
Loan Application 
Refinance of any existing loan requires minimum $250.00 increase to loan. 
Welcome to LPS Employees Federal Credit Union
Serving employees and retirees of Lincoln Public Schools
Effective February 19, 2021.  Rates subject to change.
12 Month  .50%     .50% 24 Month  .65%     .65% 30 Month  .80%     .80%