2018 RANKING & REVIEWS
TOP RANKING BANKS & CREDIT UNIONS IN OMAHA
Convenience is King at the Top 7 Banks & Credit Unions in Omaha (Bonus: One to Avoid)
Omaha, Nebraska was founded by adventurous pioneers in 1854 and was dubbed the “Gateway to the West.” It’s since grown into the largest city in Nebraska and is home to four Fortune 500 companies.
Midwest values are a cornerstone of the community and that includes inventions of convenience, like the bobby pin, which was created there. It’s no wonder that residents also like no-nonsense Omaha credit unions and banks that make it convenient for checking, savings, and loan accounts.
Award Emblem: Top 7 Best Banks & Credit Unions in Omaha, NE
We’ve taken a look at each top credit union or bank in Omaha, Nebraska, paying close attention to convenience items. Things like mobile and online banking, number of free ATMs, and available branches all make it easier to work with an Omaha bank.
We’ve also included a bonus, the one bank or credit union in Omaha, NE that you may want to avoid. And in our FAQ section, we’ll tell you what you need to know before you use an ATM.
So, let’s get started with a quick rundown of the ratings of each of these credit unions and banks in Omaha, then we’ll get into the details of what makes each stand out.
Top 7 Best Omaha Banks & Credit Unions (& 1 to Avoid) | Brief Comparison & Ranking
|Banks & Credit Unions in Omaha||2018 Ratings|
|Centris Federal Credit Union||5|
|Great Western Bank||5|
|Metro Credit Union||5|
|First National Bank of Omaha||3|
|Mutual of Omaha Bank||3|
|SAC Federal Credit Union||3|
|Four Points Federal Credit Union||1|
Table: Top 7 Best Omaha Banks & Credit Unions (& 1 to Avoid) | Above list is sorted by rating
Omaha Credit Unions & Banks FAQ Reviews | What to Know Before You Use that ATM
In the days when you could only use your own bank’s ATM, the fees may have been clearer, but it wasn’t nearly as convenient as today. Now, you can access your account from just about any ATM you pass. But, what’s it going to cost you?
No one likes getting hit with unexpected ATM fees. However, there are some things you can do before using that kiosk to access your account at Omaha, Nebraska credit unions and banks to ensure there are no expensive surprises.
A little research goes a long way!
- Ask if your Omaha bank offers ATM fee refunds
- See if your bank in Omaha is part of a larger free ATM network
- Check if your credit union in Omaha, NE is part of the CO-OP shared branches and ATM network
- Download apps to free ATM networks like Allpoint or MoneyPass
- Check your Omaha bank’s mobile app for an ATM map
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AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.
Detailed AdvisoryHQ Review – Top Ranking Best Omaha Banks & Credit Unions (and 1 to Avoid)
Below, please find a detailed review of each firm on our list of top banks and credit unions in Omaha. We have highlighted some of the factors that allowed each credit union or bank in Omaha, Nebraska to score so highly in our selection ranking.
Click on any of the names below to go directly to the review section for that firm.
- Centris Federal Credit Union
- Core Bank
- Great Western Bank
- Metro Credit Union
- First National Bank of Omaha
- Mutual of Omaha Bank
- SAC Federal Credit Union
- Four Points Federal Credit Union
Centris Federal Credit Union Review
Centris Federal Credit Union was first started in 1934 by Omaha telephone workers. Since then, this Omaha Credit Union has grown to serving surrounding communities, like Council Bluff, IA. They’re also proud to support local charitable causes.
Below are the highlights that make Centris Federal Credit Union stand out on AdvisoryHQ’s 2018 best Omaha banks & credit unions ranking.
How Centris Federal Credit Union Makes Your Life Easier:
- 12 branch locations in Omaha, Nebraska & surrounding areas
- Member of CO-OP network with 13,000+ free ATMs
- Surcharge-free withdrawals at 55,000+ Allpoint ATMs
- Debit & credit card alerts you can set up in online banking
- Free access to GreenPath Financial Management Program
Member Perks & Rewards
If you like discounts and special perks just for banking with Omaha, Nebraska credit unions, then you’ll enjoy the Love My Credit Unions Rewards Program. Centris is a participant, which means you get deals on multiple products and services.
Members also get a free t-shirt and discounted tickets during Members Night for their local Storm Chasers baseball team.
We rated Centris Federal Credit Union a 5 on our list of the best and most convenient banks and credit unions in Omaha. This is a credit union in Omaha, NE, that gets high praise from reviewers on WalletHub for excellent customer service. They also have an A+ rating at the Better Business Bureau (BBB).
Besides being part of two nationwide surcharge-free ATM networks, they give great money saving member benefits and discounts. This is also one of the credit unions and banks in Omaha you’ll want to check out if you need a personal loan, because their rates start at just 5.99% APR.
Core Bank Review
Core Bank is a local Omaha bank that’s been serving customers since 1996. They’re an approved Small Business Association (SBA) lender and their name originates from putting customers at the “core” of their business.
Below are the highlights that make Core Bank stand out on this 2018 best Omaha banks & credit unions ranking.
How Core Bank Makes Your Life Easier:
- 8 branch locations in Omaha, Nebraska & surrounding areas
- Member of MoneyPass ATM network with 25,000 free ATMs
- Mobile banking app for iPhone, iPad, and Android phones
- Free 24-hour Phone-A-Bank service for account information and transfers
- SecurLOCK™ fraud alerts on debit cards
Free and Interest Earning Checking
If you don’t think you should have to pay to have a checking account, Core Bank is one of the banks in Omaha that agrees. They offer a basic free checking account with no minimum balance and you can get the monthly fee waived on their interest earning checking with direct deposit and 12 Visa® Check Card transactions per statement.
Core Bank scored a 5 on our 2018 Ranking of the Best Banks and Credit Unions in Omaha. While there aren’t a lot of reviews online for this Omaha bank, they are an accredited business at the BBB and have an A+ rating.
Just looking at their site, you can tell they’re all about a no-nonsense, easy banking experience. Customers find their mobile banking app handy and say it’s easy to use and well organized.
Great Western Bank Review
From being a small hometown bank for over 80 years, Great Western Bank has now grown into one of the leading regional banks in the country. They have over 170 branches serving residents in nine states, including Nebraska.
Below are the highlights that make Great Western Bank stand out on this 2018 best Omaha banks & credit unions ranking.
How Great Western Bank Makes Your Life Easier:
- 9 branch locations in Omaha, Nebraska & surrounding areas
- Access to over 25,000 free ATMs
- Member of MoneyPass and SHAZAM ATM networks
- eBanking through online banking and mobile app
- Easily open an account online
Money Management Made Easy
Do you like having control of your finances with great online tools? Great Western Bank makes it easy to manage your finances, create budgets, and set up long-term and short-term financial goals. Their money management tool also has comprehensive charts so you can see how you’re doing at a glance.
Great Western Bank in Omaha, NE earned a 5 on our 2018 Ranking of the Best Banks and Credit Unions in Omaha. They get great marks across the board on sites like WalletHub and DepositAccounts. Customers praise the online banking tools and excellent customer service.
You will find some negative reviews about their customer support, but the ones we found were from branches in other states. Overall, their great online and mobile banking tools, and personal, business, and agribusiness banking products make them one of the top Omaha, Nebraska credit unions for many.
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Metro Credit Union Review
Metro Credit Union in Omaha is one of the largest credit unions in the state. It’s been serving members for over 60 years and has over 35,000 members. Anyone employed by one of over 70 companies included in their select employer group can join.
Below are the highlights that make Metro Credit Union Omaha stand out on this 2018 best Omaha banks & credit unions ranking.
How Metro Credit Union Makes Your Life Easier:
- 6 branch locations in Omaha, Nebraska & surrounding areas
- Member of MoneyPass network with 25,000 free ATMs
- Online banking and Mobile Wallet
- Courtesy Pay service for overdraft protection
- Free notary service
Attractive Loan Rates
If you’re looking for a great deal on a loan, Metro Credit Union Omaha has an impressive record for low rates. According to their website, you can save $864 over three years using them to buy a car over other banks in Omaha. Their current auto loan rate starts at 2.24% APR.
Metro Credit Union Omaha scored a 5 in our 2018 Ranking of the Top Banks and Credit Unions in Omaha. They consistently get 4 and 5 stars on sites like Yelp, with members praising their super friendly and helpful staff.
Membership may be a little more difficult to qualify for as compared to location-based requirements at other credit unions in Omaha. But, there are over 70 different employers that bank with them, and once you’re a member, you can stay a member even if you leave the company.
First National Bank of Omaha Review
This Omaha bank was named as one of the best banks by Money magazine. First National Bank of Omaha has been serving the community for over 160 years and today has locations in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota, and Texas.
Below are the highlights that make First National Bank of Omaha stand out on this 2018 best Omaha banks & credit unions ranking.
How First National Bank of Omaha Makes Your Life Easier:
- 28 branch locations in Omaha, Nebraska & surrounding areas
- 50 free ATMs, including at places like Walgreens, Quick Trip, and CVS
- Mobile banking app for Apple and Android devices
- Order or sell up to 70 different types of foreign currency
- Free online information security center
Credit Card Options to Fit Your Life
Whether you’re just starting out and need a credit card to help you build credit or are interested in a card with bonus rewards, First National Bank of Omaha has you covered. You can choose between [email protected] cards with great rates and rewards or an American Express® card that earns statement credits.
We rated First National Bank of Omaha a 3 on our listing of the top credit unions and banks in Omaha. They have a mix of positive and negative reviews online, with the negative ones mainly focused on their credit building card. Positive ones mention friendly tellers that greet you by name and prompt customer service.
Being among the larger Omaha credit unions and banks with branches in seven states adds to the convenience of banking here if you travel in the region. First National Bank of Omaha is also an independent bank, which gives them more opportunity to offer better rates on loans, savings, and investments.
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Mutual of Omaha Bank Review
The parent company of Mutual of Omaha Bank may be familiar since they’re well known for the long running Mutual of Omaha’s Wild Kingdom TV show. This Omaha bank has been around since 1985 and their parent company has offered financial and insurance products for over a century.
Below are the highlights that make Mutual of Omaha Bank stand out on this 2018 best Omaha banks & credit unions ranking.
How Mutual of Omaha Bank Makes Your Life Easier:
- 6 branch locations in Omaha, Nebraska & surrounding areas
- Access to thousands of surcharge-free ATMs
- eBank products and mobile banking app
- MoneyiQ free online financial education videos
- Mutual Pay VIP vendor invoice payment service
Community Association Products
If you’re on a condo or home owners’ association board, you’ll be very interested in the financial solutions you can find from this Omaha, NE bank. They offer CondoCerts online for document management, HOA assessment and payment services and special CD rates to help your association’s money grow.
We rated Mutual of Omaha Bank a 3 on our listing of the top credit unions and banks in Omaha. While some reviewers aren’t impressed with their customer service, others enjoy their high yield checking accounts and great banking products.
If you like earning high rates on savings and investments, this is one of the top banks in Omaha to consider for growing that nest egg. They’re currently offering 2.00% APY on a 15-month CD and a money market account with 1.30% APY.
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SAC Federal Credit Union Review
SAC Federal Credit Union was started in 1946 in Andrews Field, Maryland. Today, they are the largest locally-owned credit union in Nebraska and anyone that lives, works, worships, or attends school in any one of five counties in Nebraska or three counties in Iowa can join.
Below are the highlights that make SAC Federal Credit Union stand out on this 2018 best Omaha banks & credit unions ranking.
How SAC Federal Credit Union Makes Your Life Easier:
- 23 branch locations in Omaha, Nebraska & surrounding areas
- Member of CO-OP network with over 13,000 free ATMs
- Member of AFN ATM network (Dollar$top locations)
- Member of Alliance One ATM network with over 5,000 free ATMs
- Mobile banking app for iPhone and Android phones
Wouldn’t it be nice to be able to skip a loan payment every now and then without being penalized? SAC is one of the Omaha, Nebraska credit unions that thinks so too. Their Skip-A-Pay program allows qualifying members to skip a payment on an auto, RV, boat, motorcycle, or personal loan.
SAC Federal Credit Union was given a 3 in our listing of the top credit unions and banks in Omaha, Nebraska. Positive online reviews mention the convenience of the branch locations and friendly and professional staff. Customers that weren’t as happy mentioned issues with getting online purchases cleared easily.
With a large number of locations in the Omaha area, this is definitely one of the Omaha credit unions to choose if you like to have a lot of branch choices around town. Another bonus is that they’re a member of the Love My Credit Union Rewards Program with discounts from local and national retailers.
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Four Points Federal Credit Union Review
Now for the bonus information we mentioned, the financial institution in Omaha that we think you may want to avoid for now. Four Points Federal Credit Union was started in 1934, but has just a single branch location in Omaha, Nebraska.
Below are some of the improvements we feel would help Four Points Federal Credit Union move up on AdvisoryHQ’s future best banks and credit unions in Omaha listing.
Go from Virtual to Physical
Four Points Federal Credit Union does mention being a “virtual” credit union on their website and residents in seven different states can join. However, many people feel better if they can actually walk into the place they bank.
They’re on the right path with one location in Omaha, but opening more branches, even if they were in supermarkets, would definitely be a plus.
As a bank with few physical locations and that we think you may want to avoid until they grown a little more, we rated Four Points Federal Credit Union a 1 on our ranking. Though this credit union in Omaha is not too far from getting a better rating in the future.
As a plus, they are part of the CO-OP network that offers over 30,000 surcharge-free ATMS, so you might consider them if you’re not big on going into the branch to bank. They mention growth on their “About Us” page, so this is definitely an Omaha credit union we’ll keep an eye on for future rankings.
Conclusion – Top 7 Best & Convenient Credit Unions and Banks in Omaha (& 1 to Avoid)
If you’re an Omaha area resident, you have some excellent banks and credit unions in Omaha, NE to choose from. Whether you prefer smaller hometown banks that host member nights at the ballpark or larger regional banks with more services to offer, there are plenty to choose from.
In today’s world, convenience and online and mobile banking are important, so we recommend checking out additional information and reviews on apps if you like to bank with your phone or tablet.
We hope that our Omaha best banks and credit unions review has made the choice of where to go for your next checking account or loan a whole lot easier!
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