Back to Lincoln credit unions

Nebraska State Employees

PO BOX 95084, Lincoln, NE 68509
NCUA Insured3.6 (16 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1941

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 95084

Lincoln, NE 68509

Service Area

This credit union is located in Lincoln and serves members in the NE area. Currently serving 3,078 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.10%

Used Auto Loan

5.25%

Personal Loan

13.00%

Credit Card APR

12.11%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NE

Lowest rates currently reported by credit unions in NE (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.6

16 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Brandon Alvarez

Brandon Alvarez

3 years ago

I was going to open a checking account here. They run a credit check, and that is fine, but instead of running a standard checking account credit check they run an actual line of credit check. Very different and hits your report differently. It's impossible to speak to the person you need to when you call because they are always busy so even if you wait on hold someone will come back and say they are still busy. Apparently the person available that answered the phone can't help you. Once you start working with someone you always have to talk to them. So everything takes multiple days. Not very efficient for 2022. I also realized their hours after the fact as well. In the end I decided not to open an account here and took a ding to my credit report for no reason. There are much better options with better hours and more employees to be there when you need them. I wouldn't do business here. Edit: One month after initially applying, I got a call from an employee talking about the kind of accounts they have and if I wanted to open one they would have to run a credit check. That's when I cut her off and informed her that I had already applied and had a credit check run which she had no idea what I was talking about. Yet another reason not to do business here.

Jeff Smith

Jeff Smith

3 years ago

19th Century communications in the 21st Century. Perhaps owing to the tiny office, the quality of communications with the customers is woeful. I opened an account just to be able to inquire about their home mortgage offerings (which are subcontracted through a separate entity in Colorado btw). When I found no advantage borrowing from them, I needed to close the account and take my money back out. This cannot be done remotely, you have to drive downtown to do it in person. Insanely inconvenient since I never have any business down by the Capitol. Before I can do this, I get a mailing from them (only once every 3 months) showing they've been docking my account for lack of use for months. Did they notify me of this upcoming penalty by phone, letter, text, email anything? No. US Bank, Wells Fargo all the other financial institutions always keep in close contact and alert you when there's a problem with your account. They don't quietly siphon your account on the down low. You and your money will do better elsewhere. Avoid.

Edison Rojas

Edison Rojas

3 years ago

I should of read their reviews. Communication levels are extremely poor. I went to open a checking account and they had run my credit, which I had no issues, then they tell me the person that does the reviews is not there but I should be getting a call the next day. The next day came and no call nothing. So I called and the rep tells me they were in a meeting..An 8 hour meeting really.

Ted Haubrich

Ted Haubrich

8 years ago

Quite un-impressed so far. I asked to open an account, teller didn't bother to ask what kind of account and opened a savings account instead of a checking account. Susre I should have specified, but really she should have asked, also charged me $25 to open it. Went back to open a checking account, and another $25 bucks and a credit check, and a TWO WEEK wait to open an account. I caught the teller write my SSN down wrong misreading her own handwriting mistaking a zero for a six, and then got a call at work about two hours after I left informing me she forgot to have me sign two different things, so now I have to go back tomorrow over my lunch break, (they close at five) to straighten that out. I'd take my money and run, but I think there is a $25 fee for closing an account before 3 months.

Rent Tria

Rent Tria

a year ago

Great to work with. Have always had great service and competitive terms with my home equity line of credit loan.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).