Credit Unions in Lincoln, NE
10 member-owned, NCUA-insured credit unions headquartered in or near Lincoln, serving a combined 88,496 members. The largest is Liberty First. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Liberty First
Lincoln, NE🇺🇸
36,060 members
Credit Unions & BankingView details →Lincone
LINCOLN, NE🇺🇸
16,949 members
Credit Unions & BankingView details →University Of Nebraska
Lincoln, NE🇺🇸
11,272 members
Credit Unions & BankingView details →Membersown
Lincoln, NE🇺🇸
8,979 members
Credit Unions & BankingView details →Lincoln Public School Employees
Lincoln, NE🇺🇸
3,684 members
Credit Unions & BankingView details →Spirit Of America
LINCOLN, NE🇺🇸
3,540 members
Credit Unions & BankingView details →Nebraska State Employees
LINCOLN, NE🇺🇸
3,094 members
Credit Unions & BankingView details →First Lincoln
Lincoln, NE🇺🇸
2,405 members
Credit Unions & BankingView details →Local 265 Ibew
LINCOLN, NE🇺🇸
1,364 members
Credit Unions & BankingView details →Lincoln S.D.A.
LINCOLN, NE🇺🇸
1,149 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Lincoln: they are based in or near Lincoln. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Lincoln
2 more credit unions headquartered elsewhere have a branch in Lincoln, NE. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Cobalt
Papillion, NE🇺🇸
115,139 members
Credit Unions & BankingView details →First Nebraska
OMAHA, NE🇺🇸
16,040 members
Credit Unions & BankingView details →- Cobalt — branch: 2801 N 86th St Lincoln, NE 68507-3447
- First Nebraska — branches: 5070 N 32nd St LINCOLN, NE 68504-1095; 8101 S 40TH ST LINCOLN, NE 68516
How to join a credit union in Nebraska
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Lincoln or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Lincoln — common questions
How many credit unions are in Lincoln?
10 member-owned, NCUA-insured credit unions are headquartered in or near Lincoln, Nebraska, with a combined 88,496 members. The largest is Liberty First.
Are these the closest credit unions to me in Lincoln?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Lincoln, geocoded to the city. The second list adds 2 more credit unions headquartered elsewhere that NCUA shows with a branch in Lincoln, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Lincoln?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Nebraska accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Lincoln?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.