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1st Liberty Federal Credit Union

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1st Liberty Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at 1st Liberty Federal Credit Union?

Current rates for 1st Liberty Federal Credit Union include: 12-Month CD: 1.56%, 18-Month CD: 3.19%, 24-Month CD: 1.71%, 60-Month CD: 2.22%, MMA: 0.95%

Q: What CD terms does 1st Liberty Federal Credit Union offer?

1st Liberty Federal Credit Union CD rates are 1.56% APY for a 12 month CD, 3.19% APY for an 18 month CD, 1.71% APY for a 2 year CD, 1.97% APY for a 3 year CD, 2.07% APY for a 4 year CD and 2.32% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Liberty Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

1st Liberty Federal Credit Union's 60 Month Regular CDs rates are at 2.32%, Regular CD - 60 month rates are at 2.22%, 48 Month Regular CDs rates are at 2.07%, 36 Month Regular CDs rates are at 1.97%, Regular CD - 48 month rates are at 1.97%. 1st Liberty Federal Credit Union's money market rates are at 0.95%. 1st Liberty Federal Credit Union's checking rates are as high as 0.20%. 1st Liberty Federal Credit Union's 1st Mortgage - 120 Month Fixed rates are at 4.99%, 1st Mortgage - 180 Month Fixed rates are at 5.49%, 1st Mortgage - 240 Month Fixed rates are at 5.99%. 1st Liberty Federal Credit Union's Personal Loan Rates are as low as 9.99%. 1st Liberty Federal Credit Union's Credit Card Rates are at 13.00%. 1st Liberty Federal Credit Union's CD rates are 28% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of 1st Liberty Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.83%. Rates last updated and verified on 10/29/2026.

1st Liberty Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Liberty Federal Credit Union? Share your experience about 1st Liberty Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Liberty Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

1st Liberty Federal Credit Union
Robert H Scott Branch

6200 3rd Ave N
Great Falls, MT 59405-1528

https://www.1stliberty.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

1st Liberty Federal Credit Union CD Rates

Product	Rate	APY	Term
Special Certificates - 9 month	3.40%	3.45%	9 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Oct 23, 20263.45%▲ from 3.30% Sep 17, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Special Certificates - 19 month	3.15%	3.19%	19 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 3.04% → 3.19% ▲ 0.15 pts · high 3.19% / low 3.04% Oct 23, 20263.19%▲ from 3.04% Sep 25, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
60 Month IRA Certificates	2.30%	2.32%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Earn APY: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 2.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
60 Month Regular Certificates	2.30%	2.32%	60 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 2.22% → 2.32% ▲ 0.10 pts · high 2.32% / low 2.22% Oct 8, 20262.32%▲ from 2.22% Sep 20, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Regular Certificate - 60 month	2.20%	2.22%	60 Months
Min Deposit $500 Details Share Certificate; Minimum Opening Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
48 Month IRA Certificates	2.05%	2.07%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Earn APY: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 2.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
48 Month Regular Certificates	2.05%	2.07%	48 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 1.97% → 2.07% ▲ 0.10 pts · high 2.07% / low 1.97% Oct 8, 20262.07%▲ from 1.97% Sep 20, 20261.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
36 Month IRA Certificates	1.95%	1.97%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Earn APY: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 1.97% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
36 Month Regular Certificates	1.95%	1.97%	36 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 1.87% → 1.97% ▲ 0.10 pts · high 1.97% / low 1.87% Oct 8, 20261.97%▲ from 1.87% Sep 20, 20261.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Regular Certificate - 48 month	1.95%	1.97%	48 Months
Min Deposit $500 Details Share Certificate; Minimum Opening Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.97% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Regular Certificate - 36 month	1.85%	1.87%	36 Months
Min Deposit $500 Details Share Certificate; Minimum Opening Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
24 Month IRA Certificates	1.80%	1.81%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Earn APY: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 1.81% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
24 Month Regular Certificates	1.80%	1.81%	24 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 1.71% → 1.81% ▲ 0.10 pts · high 1.81% / low 1.71% Oct 8, 20261.81%▲ from 1.71% Sep 20, 20261.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Regular Certificate - 24 month	1.70%	1.71%	24 Months
Min Deposit $500 Details Share Certificate; Minimum Opening Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
12 Month IRA Certificates	1.65%	1.66%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum to Earn APY: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
12 Month Regular Certificates	1.65%	1.66%	12 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 20, 2026 · 1.56% → 1.66% ▲ 0.10 pts · high 1.66% / low 1.56% Oct 8, 20261.66%▲ from 1.56% Sep 20, 20261.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Regular Certificate - 12 month	1.55%	1.56%	12 Months
Min Deposit $500 Details Share Certificate; Minimum Opening Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
6 month 06 Month Regular Certificates	1.45%	1.46%	6 Months
Min Deposit $10,000 Details Minimum Opening Balance $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
6 month 06 Month Regular Certificate	1.35%	1.36%	6 Months
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Shares	1.24%	1.25%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $5,000; Maximum Balance $5,000; Matures October 1 Last Updated 10/29/2026 Rate History 1 change since Oct 8, 2026 · 1.01% → 1.25% ▲ 0.24 pts · high 1.25% / low 1.01% Oct 23, 20261.25%▲ from 1.01% Oct 8, 20261.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Vacation Club Shares	1.00%	1.01%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $5,000; Matures June 1; Maximum Balance $5,000 Last Updated 10/29/2026 Rate History No change since Oct 8, 2026 · 1.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.95%	0.95%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
IRA Shares - Traditional, Roth	0.85%	0.85%
Min Deposit $0 Min Balance $25 Details Balance: $25 and above Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.85%	0.85%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.82%	0.82%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 0.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.80%	0.80%
Min Deposit $2,500 Min Balance $25 Details Balance: $25.00 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Primary Shares	0.20%	0.20%
Min Deposit $25 Min Balance $25 Details Balance: $25 - 1,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Primary Shares	0.20%	0.20%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000 - 4,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Primary Shares	0.20%	0.20%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - 9,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Primary Shares	0.20%	0.20%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Sub Shares	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Balance: $0 - 1,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Sub Shares	0.20%	0.20%
Min Deposit $0 Min Balance $2,000 Details Balance: $2,000 - 4,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Sub Shares	0.20%	0.20%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 - 9,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Sub Shares	0.20%	0.20%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Youth Shares	0.20%	0.20%
Min Deposit $5 Min Balance $5 Details Balance: $5 - 1,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Youth Shares	0.20%	0.20%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000 - 4,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Youth Shares	0.20%	0.20%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 - 9,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Youth Shares	0.20%	0.20%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Shares	0.95%	0.95%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.85%	0.85%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.82%	0.82%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 20, 2026 · 0.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
Money Market Shares	0.80%	0.80%
Min Deposit $2,500 Min Balance $25 Details Balance: $25.00 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Checking Rates

Product	Rate	APY	View More
Rewards Plus Checking	0.20%	0.20%
Min Balance $2,000 Details Balance: $2,000 and above (when conditions are met) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Commercial Checking	0.20%	0.20%
Min Balance $0 Details Balance: $0 and above Last Updated 10/29/2026 Rate History 1 change since Oct 8, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 29, 20260.20%▲ from 0.15% Oct 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Variable rate; Up to 80% loan to value based on credit worthiness; Term column reads Variable Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
ATVs, Tent Trailers, Dirt Bikes, Scooters, Jet Skis, Snowmobiles, Other Collateral Loan	-	6.49%
Details As Low As; Model Year: 2021 & Newer; Fixed Rate Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
RVs, Motorcycles, 5th Wheels, Boats, Travel Trailer Loan	-	6.99%
Details As Low As; Model Year: 2021 & Newer; Fixed Rate Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99% Oct 12, 20266.99%▼ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
RVs, Motorcycles, 5th Wheels, Boats, Travel Trailer Loan	-	7.49%
Details As Low As; Model Year: 2018 - 2020; Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
ATVs, Tent Trailers, Dirt Bikes, Scooters, Jet Skis, Snowmobiles, Other Collateral Loan	-	7.99%
Details As Low As; Model Year: 2020 & Older; Fixed Rate Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
RVs, Motorcycles, 5th Wheels, Boats, Travel Trailer Loan	-	9.19%
Details As Low As; Model Year: 2017 & Older; Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa with Rewards powered by uChoose	-	13.00%
Details Variable rate; may increase or decrease quarterly based on the Prime Rate; Minimum Payment Requirement is 3% of the outstanding balance, subject to a minimum of $25.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.99%
Details As Low As; Fixed Rate; Rates effective as of 10/19/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1st Mortgage - 120 Month Fixed	-	-	4.99%	120 Month
Details Minimum loan $20,000; Fixed Rate; Up to 80% loan to value based on credit worthiness; Rates effective as of 10/19/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
1st Mortgage - 180 Month Fixed	-	-	5.49%	180 Month
Details Minimum loan $40,000; Fixed Rate; Up to 80% loan to value based on credit worthiness; Rates effective as of 10/19/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
1st Mortgage - 240 Month Fixed	-	-	5.99%	240 Month
Details Minimum loan $60,000; Fixed Rate; Up to 80% loan to value based on credit worthiness; Rates effective as of 10/19/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%
2nd Mortgage - 120 Month	-	-	6.74%	120 Month
Details Fixed Rate; Minimum loan $10,000; Up to 80% loan to value based on credit worthiness Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

1st Liberty Federal Credit Union’s Texas Ratio fell from 1.46% in Q3 2023 to 0.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$214M	0.83%	5.0	A+
March 31, 2026	$218M	0.94%	5.0	A+
December 31, 2025	$216M	1.43%	5.0	A+
September 30, 2025	$209M	1.22%	5.0	A+
June 30, 2025	$211M	1.35%	5.0	A+
March 31, 2025	$211M	0.80%	5.0	A+
December 31, 2024	$211M	1.10%	5.0	A+
September 30, 2024	$206M	0.79%	5.0	A+
June 30, 2024	$206M	0.86%	5.0	A+
March 31, 2024	$210M	1.13%	5.0	A+
December 31, 2023	$212M	1.51%	5.0	A+
September 30, 2023	$215M	1.46%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 1st Liberty Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 1st Liberty Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Liberty Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Liberty Federal Credit Union

Website https://www.1stliberty.org

Address 6200 3rd Ave N, Great Falls, MT 59405-1528

Phone 406-761-8300

Fax 406-761-8305

President Ken Sylva

CEO Steven Grooms

Full-Time Employees 51

Part-Time Employees 5

Branch Locations 7

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.83%

Return on Assets (ROA)

0.2451%

Return on Equity (ROE)

1.6982%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

214,206,130

Total Amount of Shares and Deposits

182,355,791

Total Shares and Deposits < 1 Year

177,823,792

Total Shares and Deposits 1 3 Years

3,965,309

Total Shares and Deposits > 3 Years

566,690

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

7,387,314

Total Uninsured Shares and Deposits > $250K (F+J)

7,387,314

Total Insured Shares and Deposits > $250K (item 17 less item K)

174,968,477

Total Interest Expense (Sum of items 6 8)

411,761

Share Certificates

653

Number of Accounts for Share Drafts

8,935

IRA KEOGH Accounts

427

Number of Accounts for Regular Shares

18,069

All other shares

138

Money Market Shares

349

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

19,026,946

Total Liabilities

185,199,132

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

1st Liberty Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About 1st Liberty Federal Credit Union

Does 1st Liberty Federal Credit Union offer CDs?

Yes. 1st Liberty Federal Credit Union current CD rates include its 60 Month Regular CDs at 2.32% APY, its Regular CD - 60 month at 2.22% APY and its 48 Month Regular CDs at 2.07% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from 1st Liberty Federal Credit Union NCUA insured?

Yes. 1st Liberty Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 1st Liberty Federal Credit Union?

The highest 1st Liberty Federal Credit Union CD rate is its Special CDs - 9 month at 3.45% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does 1st Liberty Federal Credit Union offer?

1st Liberty Federal Credit Union CD rates are 1.56% APY for a 12 month CD, 3.19% APY for an 18 month CD, 1.71% APY for a 2 year CD, 1.97% APY for a 3 year CD, 2.07% APY for a 4 year CD and 2.32% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Liberty Federal Credit Union for its full lineup.

What is the highest money market rate at 1st Liberty Federal Credit Union?

The highest 1st Liberty Federal Credit Union money market rate is its Money Market Shares at 0.95% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at 1st Liberty Federal Credit Union?

The highest 1st Liberty Federal Credit Union checking rate is its Commercial Checking at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at 1st Liberty Federal Credit Union?

The lowest 1st Liberty Federal Credit Union mortgage rate is its 1st Mortgage - 120 Month Fixed at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. 1st Liberty Federal Credit Union mortgage rates are 5.99% APR for a 20 year mortgage, 5.49% APR for a 15 year mortgage and 4.99% APR for a 10 year mortgage.

What is the lowest personal loan rate at 1st Liberty Federal Credit Union?

The lowest 1st Liberty Federal Credit Union personal loan rate is its Signature Loans at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at 1st Liberty Federal Credit Union?

The lowest 1st Liberty Federal Credit Union credit card APR is its Visa with Rewards powered by uChoose Credit Card at 13.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does 1st Liberty Federal Credit Union operate?

1st Liberty Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 1st Liberty Federal Credit Union?

Yes, to access services at 1st Liberty Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 1st Liberty Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Liberty Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Liberty Federal Credit Union offer online and mobile banking?

Most modern institutions like 1st Liberty Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stliberty.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 1st Liberty Federal Credit Union rates compare?

1st Liberty Federal Credit Union's CD rates are 28% lower than the MonitorBankRates national average, and it has an A+ health rating. 1st Liberty Federal Credit Union's top rates are its Special CDs - 9 month at 3.45% APY, its Money Market Shares at 0.95% APY, its Commercial Checking at 0.20% APY, its 1st Mortgage - 120 Month Fixed at 4.99%, its Signature Loans at 9.99% APR and its Visa with Rewards powered by uChoose Credit Card at 13.00% APR, verified by MonitorBankRates on October 29, 2026.

Current 1st Liberty Federal Credit Union Rates

12-Month CD1.56%
18-Month CD3.19%
24-Month CD1.71%
60-Month CD2.22%
MMA0.95%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

1st Liberty Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

1st Liberty Federal Credit Union Texas Ratio

1st Liberty Federal Credit Union Health Trend

1st Liberty Federal Credit Union CD Rates

1st Liberty Federal Credit Union Savings Rates

1st Liberty Federal Credit Union Money Market Rates

1st Liberty Federal Credit Union Checking Rates

1st Liberty Federal Credit Union Business Checking Rates

1st Liberty Federal Credit Union Home Equity & HELOC

1st Liberty Federal Credit Union RV, Boat and Powersport Loan Rates

1st Liberty Federal Credit Union Credit Card Rates

1st Liberty Federal Credit Union Personal Loan Rates

1st Liberty Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

1st Liberty Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 1st Liberty Federal Credit Union

Does 1st Liberty Federal Credit Union offer CDs?

Are CDs from 1st Liberty Federal Credit Union NCUA insured?

What is the highest CD rate at 1st Liberty Federal Credit Union?

What CD terms does 1st Liberty Federal Credit Union offer?

What is the highest money market rate at 1st Liberty Federal Credit Union?

What is the highest checking rate at 1st Liberty Federal Credit Union?

What is the lowest mortgage rate at 1st Liberty Federal Credit Union?

What is the lowest personal loan rate at 1st Liberty Federal Credit Union?

What is the lowest credit card APR at 1st Liberty Federal Credit Union?

How many branches does 1st Liberty Federal Credit Union operate?

Is a member application needed to join 1st Liberty Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 1st Liberty Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 1st Liberty Federal Credit Union rates compare?

Current 1st Liberty Federal Credit Union Rates

Compare to Other Credit Unions