Credit Cards · Lincoln, Nebraska
8 credit unions in Lincoln report credit card APRs to the NCUA. Rates range from 9.95% to 14.75%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
9.95%
Lowest Card APR
11.54%
City Average APR
8 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | FIRST LINCOLN ★ 4.1 · 56 reviews | 9.95% | 10.44% |
| 2 | MEMBERSOWN ★ 4.6 · 89 reviews | 9.99% | 13.50% |
| 3 | LIBERTY FIRST ★ 4.0 · 135 reviews | 9.99% | 11.99% |
| 4 | LINCONE ★ 4.5 · 164 reviews | 11.00% | 18.00% |
| 5 | LINCOLN S.D.A. ★ 4.2 · 5 reviews | 12.00% | 13.20% |
| 6 | NEBRASKA STATE EMPLOYEES ★ 3.6 · 16 reviews | 12.01% | 13.00% |
| 7 | UNIVERSITY OF NEBRASKA ★ 4.5 · 86 reviews | 12.63% | 13.20% |
| 8 | SPIRIT OF AMERICA ★ 4.6 · 28 reviews | 14.75% | 11.25% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Lincoln could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Lincoln credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.