We're Growing Something New: May's locallift Partnership with Oak Creek Plants & Flowers

Introducing Oak Creek Plants & Flowers

If you haven't visited Oak Creek yet, now is the perfect time to start. Oak Creek Plants & Flowers is a Lincoln-area shop with a genuine passion for plants, flowers, and helping people bring a little life into their homes and workplaces. Whether you're looking for a statement houseplant, a seasonal arrangement, or a gift for someone special, they have the expertise and selection to match. You can browse what they offer at oakcreekflowers.com.

We chose Oak Creek as our LocalLift partner because they represent exactly what this program is about: a locally owned business that takes pride in their craft and their community. Supporting them supports Lincoln

locallift is our commitment to partnering with Nebraska businesses and keeping member spending, and member benefits, rooted right here at home.

The May Promotion: Close a Home Loan, Receive a Plant

Here's how the partnership works this month: for every member who closes a Home Equity Loan, HELOC, or Mortgage in the month of May, we will be gifting a potted plant directly from Oak Creek Plants & Flowers. The plant will be delivered and ready for you the day you come in to sign your documents. Close a Home Equity Loan, HELOC, or Mortgage in May and you'll receive a beautiful potted Aglaonema from Oak Creek Plants & Flowers, at no cost to you.

What Plant Are You Getting?

We put real thought into this. The gift plant is an 8-inch Aglaonema, a lush, leafy houseplant known for its rich green foliage and exceptional adaptability. We chose it for a few reasons:

• It looks great in virtually any space, a home office, a living room, a kitchen counter, or a front entryway
• It is one of the easiest houseplants to care for, thriving in low to medium light and requiring only occasional watering
• It's a plant that grows with you, a fitting symbol for the financial move you're making

No green thumb required. The Aglaonema is forgiving, long-lived, and genuinely beautiful. We're grateful for Oak Creek and their generosity in making this partnership possible.

Which Products Qualify for the Gift?

Home Equity Loan

Use the equity you've built in your Nebraska home to fund renovations, cover larger expenses, or consolidate higher-interest debt. A home equity loan delivers a lump sum at a fixed rate and fixed monthly payment — predictable, straightforward, and typically much lower in rate than a credit card or personal loan. Through the end of May, closing costs* are also covered. That's a closing cost waiver and a plant.

HELOC (Home Equity Line of Credit)

A HELOC gives you flexible access to your home's equity — draw what you need, when you need it, during the draw period. Only pay interest on what you actually use. Ideal for ongoing home improvement projects, education costs, or keeping a financial backstop available without committing to a lump sum. Closing costs are waived through May as well.

Mortgage

Whether you're buying your first home in Lincoln, upgrading to a larger space for a growing family, or refinancing to a better rate, a mortgage closed in May qualifies for the Oak Creek plant gift. Starting your homeownership journey, or the next chapter of it, with a new plant feels right. Together, let's make your house feel more like a home.

All three products also connect naturally with our Rewards Checking account. Members who pair a home loan with a rewards checking account can earn a competitive APY on their everyday balance, utilize our fee-free ATM network, and qualify for relationship benefits across their accounts.

How LocalLift Connects to Your Everyday Banking

The Oak Creek partnership is part of a bigger picture. locallift is woven into how we think about the products we offer and the businesses we support. When you join LincOne, you're not just getting a checking account or a home loan, you're part of a network that actively works to keep Nebraska dollars in Nebraska communities.

Here's how that connects across our products:

• Rewards Checking: Earn a high APY on your everyday balance and cash back on debit purchases, with no monthly fees. When you shop local with your debit card, your spending supports Lincoln businesses and earns you money at the same time.
• Home Equity Loans & HELOCs: Tap the equity in your Nebraska home to reinvest in it, or to improve your financial position, at rates lower than most alternatives. This month, zero closing costs and a plant from a local shop.
• Mortgages: Buying or refinancing a home in Nebraska means building equity in a community you're already invested in. We work with Lincoln-area families to make that process straightforward.

These products aren't separate; they work together. A member who holds a rewards checking account, a mortgage, and a HELOC with us benefits from relationship pricing, a financial relationship built on trust, and locallift perks like this one that show up in tangible ways.

How to Get Your Plant

The process is simple. When you close a qualifying loan in May, our team will coordinate directly with Oak Creek to have your plant delivered and ready on the day you come in to sign your documents. You won't need to arrange anything, it will be waiting for you.

1. Schedule an appointment with a Relationship Advisor to begin your Home Equity Loan, HELOC, or Mortgage.
2. Work through the application and approval process with your Advisor.
3. When your closing date is set, our team handles the coordination with Oak Creek.
4. Come in to sign, and leave with your new plant.

Ready to get started? Schedule an appointment with a Relationship Advisor today and take the first step toward closing in May.

A Small Gift That Means Something

We know a plant doesn't change the math on a mortgage. But it does say something about how we approach banking. We chose a local partner we believe in, a plant that's genuinely useful and beautiful, and a way to mark a meaningful financial moment with something tangible.

Oak Creek Plants & Flowers puts care into every plant they grow and every arrangement they create. We try to put the same care into every loan we close and every member relationship we build. That alignment is exactly what locallift is about.

If you haven't visited Oak Creek yet, stop in or check them out at oakcreekflowers.com. And if you're thinking about a home equity loan, HELOC, or mortgage this spring, there has never been a better month to act.

Apply for a Home Loan  Schedule an appointment with a Relationship Advisor Have an Advisor Contact Me

*With approved credit. $25 Savings account balance is required. Rates, terms, and conditions are subject to change without notice. No application fees or closing fees on new Fixed Home Equity and HELOCs through 5/31/2026. Closing fees include AVM, title, recording, flood, & credit report fees. The member is responsible for escrow payments and/or prepaid costs, if required, including property taxes and assessments, homeowners’ and flood insurance premiums, association fees/dues and assessments, and prepaid interest. No application fees or closing fees on new loans now through 5/31/2026, new money only. Closing fees include AVM, title, recording, flood & credit report fees.