Personal loan rates as low as 10.00% APR*
Nebraska State family!
Whether you’re managing your day-to-day finances or saving for the future, we have the perfect account for you.
See just how far your membership with Nebraska State Employees CU can take you!
Credit Union Service centers
Whether you are across town or a thousand miles away, your credit union is as close as the nearest shared branching service center.
Experience the Credit Union Difference
Credit unions are not-for-profit financial cooperatives, whose earnings are paid back to members in the form of higher savings rates and lower loan rates. Banks are for-profit corporations, with declared earnings paid to stockholders only.
Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
Credit unions do pay taxes – payroll taxes, sales taxes, and property taxes. Congress exempts credit unions from federal income taxes. The exemption was established in 1937, affirmed by statute in 1951, and re-affirmed in 1998 in H.R. 1151, the Credit Union Membership Access Act, which states:
“Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because credit unions are member-owned, democratically operated, not-for- profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means.”
Credit unions are economic democracy. Each credit union member has equal ownership and one vote — regardless of how much money a member has on deposit. At a credit union, every customer is both a member and an owner.
Each credit union is governed by a board of directors, elected by and from the credit union’s membership. Board members serve voluntarily
By current federal statute, credit unions cannot serve the general public. People qualify for a credit union membership through their employer, organizational affiliations like churches or social groups, or a community-chartered credit union.
Financial Education for Members
Credit unions assist members to become better- educated consumers of financial services. Additionally, CUNA is partnering with the National Endowment for Financial Education, a not-for-profit foundation, to expand financial education among high school students. A national study shows that just ten hours of personal finance education can positively affect students’ spending and savings habits for a lifetime.
People Helping People
Credit unions exist to help people, not make a profit. Our goal is to serve all of our members well, including those of modest means – every member counts. Our members are fiercely loyal for this reason. They know their credit union will be there for them in bad times, as well as good. The same people-first philosophy causes credit unions and our employees to get involved in community charitable activities and worthwhile causes – just ask us.
Sign Up for E-Statements
Looking for ways to eliminate paper and help the environment? Sign up for e-Statements and instead of checking your mailbox for your statement, get it sooner online. Plus, it helps the credit union reduce its operating costs.
IDENTITY THEFT RESOURCES
Identity theft happens when someone steals your personal information and uses it without your permission. The Federal Trade Commission’s updated resources explain how to protect your information and how to respond if it’s stolen.
Lost/Stolen Debit or Credit Card
If your NSECU Debit Card or Credit Card is missing, lost or stolen, please notify the credit union immediately.
To report your Visa Debit Card lost or stolen 24/7 call 1-800-500-1044.
To report your Visa Credit Card lost or stolen 24/7 call 1-800-808-7230.