Whether you're consolidating debt, refinancing a loan, or checking items off your holiday list, we can offer you a way to keep your payments and expenses low. Right now we are offering personal loans for as low as 9.65% APR*, so visit a branch or contact a personal banker today!
A personal loan can help you consolidate other debt and reach your goals faster.
Debt Consolidation is a reasonable solution to eliminate multiple payments and high interest rates. Our Financial Service Representatives can help put together a personal loan plan to pay off your existing debts and leave you with one loan payment!
Often, debt consolidation results in a lower payment because you are not paying higher interest on multiple loans or credit cards.
Make monthly interest payment a thing of the past with our You First Personal Loan!
We’re excited to introduce something brand‑new at Mutual 1st Federal: the You First Personal Loan, designed to give you more flexibility and help you save money.
This loan comes with a 0.00% interest rate. Instead of paying interest each month, you simply pay a one‑time origination fee. That means your monthly payments stay lower, and you know exactly what your total cost will be from the start.
Choose either a $3,000 loan for 12 months, or a $5,000 loan for 18 months.
How YOU can benefit:
No interest. Your monthly payments stay lower because you’re not paying interest on top of your principal.
No pressure to pay it off early. Since there’s no interest, you’ll pay the same total amount whether you pay the loan off early or on schedule. (And yes, you can still pay it off early with no penalties.)
*APR = Annual Percentage Rate. APR is accurate as of 12/19/2025. A $3,000 unsecured loan at 0.00% interest rate for 12 months with a $250 origination fee financed into the loan will have a 16.38% APR and a monthly payment of $250.00. For example: $3,000 loan with the $250 origination fee financed into the loan will provide $2,750 to the borrower and have a monthly payment of $250.00. A $5,000 unsecured loan at 0.00% interest rate for 18 months with a $500 origination fee financed into the loan will have a 13.60% APR and a monthly payment of $277.78. For example: $5,000 loan with the $500 origination fee financed into the loan will provide $4,500 to the borrower and have a monthly payment of $277.78. The loan fee represents the total cost of credit. All loans subject to approval. Contact Mutual 1st Federal for complete terms and conditions.
One more thing: a personal line of credit can used for emergencies or unexpected expenses. Personal lines of credit give you flexibility with your money when you find yourself in a situation where you do need to borrow. If this sounds like a good option for you, definitely apply now. Your line of credit will have a maximum limit and if you need less than that, just borrow what you need based on your situation.
Similar to a credit card, repayment starts 30 days after funds are accessed
Pay off your line of credit and use it again when needed
Easily access your line of credit with a cash advance to your Mutual 1st Federal account
I am a rather new member, but so far, after three visits inside this branch, I am extremely impressed with all of the staff. They have friendly, cheerful, smiling faces and helpful attitudes. Great job Mutual First Federal on Blondo! Not to mention this is one of only a very few local Omaha credit unions participating in the national shared branch network program.
