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Member-owned credit union serving Seventh-day Adventist Church members, students, and employees with competitive loan and deposit products.
Data compiled from public sources
Lincoln SDA Credit Union is a faith-based, member-owned credit union organized specifically to serve members of the Seventh-day Adventist Church, students and employees of Adventist colleges, and employees of Adventist hospitals. As a not-for-profit financial institution, it operates under NCUA insurance and is governed by its membership rather than external shareholders. The credit union offers a full suite of consumer financial products including auto loans, personal loans, credit cards, share accounts, and share certificates, positioning itself as a values-aligned alternative to traditional for-profit banks.
The institution provides competitive lending products across multiple categories: used vehicle loans starting at 5.95%, personal loans at 12.00%, credit cards ranging from 12.00–14.00% APR, and share certificates offering rates up to 3.25%. Members gain access to home banking through their Member.Net platform, allowing 24/7 account management. The credit union also offers automobile tools including vehicle shopping assistance and refinance calculators. Operating from a single location in Lincoln, Nebraska, it maintains traditional lobby hours and can be reached via phone at 402-489-8886 or 800-244-7168.
Lincoln SDA distinguishes itself through its explicit faith-based mission and membership restrictions, creating a community-focused institution aligned with Seventh-day Adventist values. This listed membership base sets it apart from general-purpose credit unions and for-profit banks. The organization emphasizes member ownership and competitively priced products designed specifically for its target demographic rather than the broader public.
The primary limitation is membership eligibility—the credit union only serves members of the Seventh-day Adventist Church, Adventist college students/employees, and Adventist hospital employees, making it inaccessible to the general public. As a smaller, single-location institution, it may have fewer physical branches and less sophisticated digital infrastructure compared to larger credit unions. The website provides limited transparency on specific loan terms, eligibility requirements, and fee structures, requiring direct contact for detailed product information.
This is state-level context for Credit Unions consumers in Lincoln, NE. It does not confirm that Lincoln S.D.A. or this specific location is licensed.
State regulator
Nebraska Department of Banking and Finance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Lincoln S.D.A. offers 12 services including Used vehicle loans (5.95% APR), Personal loans (12.00% APR), Credit cards (12.00–14.00% APR), Share accounts (member savings accounts), Share certificates (certificates of deposit up to 3.25%), and 7 more.
Lincoln S.D.A. has profile signals associated with Seventh-day Adventist Church members seeking faith-aligned financial services from a member-owned institution, Students and employees of Adventist colleges looking for competitive auto and personal loans, Employees of Adventist hospitals wanting access to member-owned credit union products, Individuals in the Lincoln, Nebraska area seeking an alternative to for-profit banks with community focus.
Key strengths: Used vehicle loans starting at 5.95% APR—competitive rate for auto financing; Member-owned, not-for-profit structure means profits return to members rather than external shareholders; NCUA-insured deposits provide federal backing for share accounts and certificates. Areas to consider: Membership restricted to Seventh-day Adventist Church members, Adventist college students/employees, and Adventist hospital employees—not open to general public; Single physical location in Lincoln, Nebraska limits branch access and in-person service options.
In the Credit Unions category, comparable providers include Centris, Cobalt, Eddyville Cooperative. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Lincoln SDA Credit Union is best suited for Seventh-day Adventist Church members, Adventist college students and employees, and Adventist hospital employees seeking competitive loan rates and member-owned financial services aligned with their faith values. The primary caveat is strict membership eligibility—non-Adventists cannot join, and potential members should verify their qualification status before pursuing membership or loans.
Centris FCU is a member-owned federal credit union based in Omaha, NE, offering checking, savings, loans, and business services since 1934.
Profile signals: Omaha-area residents and employees seeking a member-focused alternative to for-profit banks with lower fees and rate claims to verify, Small business owners needing comprehensive commercial banking, payroll services, and construction financing from a community-oriented lender
Cobalt Credit Union is a member-owned, not-for-profit financial institution offering banking and lending services to its members with NCUA insurance protection.
Profile signals: Members seeking cooperative financial institution ownership and governance, Consumers prioritizing NCUA deposit insurance and member-centric operations
CUScore is a directory and comparison tool for federally insured credit unions, not a credit union itself. It provides NCUA financial data, health scores, and branch locations for 4,374 credit unions nationwide.
Profile signals: Consumers researching credit union options before joining, Individuals comparing financial institutions across states
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