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Liberty Federal Credit Union

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Liberty Federal Credit Union Rates & Review November 2026

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

Current rates for Liberty Federal Credit Union include: 12-Month CD: 1.45%, 18-Month CD: 1.65%, 24-Month CD: 3.25%, 60-Month CD: 3.50%, Savings: 3.55%, MMA: 4.00%

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

Liberty Federal Credit Union CD rates are 4.25% APY for a 9 month CD, 1.45% APY for a 12 month CD, 4.15% APY for a 14 month CD, 1.65% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Liberty Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Liberty Federal Credit Union's 9 Month CD rates are at 4.25%, 14 Month CD rates are at 4.15%, 4 Year CD rates are at 3.50%, 5 Year CD rates are at 3.50%, 2 Year CD rates are at 3.25%. Liberty Federal Credit Union's savings rates are at 3.55%. Liberty Federal Credit Union's money market rates are at 4.00%. Liberty Federal Credit Union's checking rates are as high as 4.00%. Liberty Federal Credit Union's Personal Loan Rates are as low as 9.59%. Liberty Federal Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Liberty Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates last updated and verified on 10/28/2026.

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 Liberty Federal Credit Union? Share your experience about Liberty Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Liberty Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Liberty Federal Credit Union
Liberty Federal Credit Union

4401 Theater Dr
Evansville, IN 47715-1967

https://libertyfcu.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.

Liberty Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month IRA Certificate	4.22%	4.30%	9 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 9 Month Fixed	4.22%	4.30%	9 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
9 Month Certificate	4.17%	4.25%	9 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
14 Month IRA Certificate	4.12%	4.20%	14 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 14 Month Fixed	4.12%	4.20%	14 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
14 Month Certificate	4.07%	4.15%	14 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
4 Year IRA Certificate	3.49%	3.55%	4 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
5 Year IRA Certificate	3.49%	3.55%	5 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 4 Year Fixed	3.49%	3.55%	4 Year
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 5 Year Fixed	3.49%	3.55%	5 Year
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
4 Year Certificate	3.445%	3.50%	4 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
5 Year Certificate	3.445%	3.50%	5 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
2 Year IRA Certificate	3.25%	3.30%	2 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
3 Year IRA Certificate	3.25%	3.30%	3 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
30 Month IRA Certificate	3.25%	3.30%	30 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 2 Year Fixed	3.25%	3.30%	2 Year
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 3 Year Fixed	3.25%	3.30%	3 Year
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 30 Month Fixed	3.25%	3.30%	30 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
2 Year Certificate	3.20%	3.25%	2 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
3 Year Certificate	3.20%	3.25%	3 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
30 Month Certificate	3.20%	3.25%	30 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
17 Month IRA Certificate	1.69%	1.70%	17 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
18 Month IRA Certificate	1.69%	1.70%	18 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 17 Month Fixed	1.69%	1.70%	17 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 18 Month Fixed	1.69%	1.70%	18 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
17 Month Certificate	1.64%	1.65%	17 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
18 Month Certificate	1.64%	1.65%	18 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
1 Year IRA Certificate	1.49%	1.50%	1 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
10 Month IRA Certificate	1.49%	1.50%	10 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
6 Month IRA Certificate	1.49%	1.50%	6 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7 Month IRA Certificate	1.49%	1.50%	7 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
8 Month IRA Certificate	1.49%	1.50%	8 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 1 Year Fixed	1.49%	1.50%	1 Year
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 10 Month Fixed	1.49%	1.50%	10 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 6 Month Fixed	1.49%	1.50%	6 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 7 Month Fixed	1.49%	1.50%	7 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 8 Month Fixed	1.49%	1.50%	8 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
1 Year Certificate	1.44%	1.45%	1 Year
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
10 Month Certificate	1.44%	1.45%	10 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
6 Month Certificate	1.44%	1.45%	6 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7 Month Certificate	1.44%	1.45%	7 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
8 Month Certificate	1.44%	1.45%	8 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
4 Month IRA Certificate	1.29%	1.30%	4 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
5 Month IRA Certificate	1.29%	1.30%	5 Month Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 4 Month Fixed	1.29%	1.30%	4 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA 5 Month Fixed	1.29%	1.30%	5 Month
Min Balance $1,000 Details Rates accurate as of October 28, 2026; Minimum balance required to purchase certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
3 Month Certificate	1.24%	1.25%	3 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
4 Month Certificate	1.24%	1.25%	4 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
5 Month Certificate	1.24%	1.25%	5 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Share Accounts	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	2.96%	3.00%
Min Balance $500,000 Details Balance: $250,000 - $999,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	0.995%	1.00%
Min Balance $1,000 Details Balance: $1,000 - $9,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	0.995%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
IRA/CESA Share Account	0.25%	0.25%
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Christmas Club	0.01%	0.01%
Min Balance $200 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Regular Shares	0.01%	0.01%
Min Balance $200 Details Requires $5.00 to open account Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Special Shares	0.01%	0.01%
Min Balance $200 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Vacation Club	0.01%	0.01%
Min Balance $200 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Accounts	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	2.96%	3.00%
Min Balance $500,000 Details Balance: $250,000 - $999,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	0.995%	1.00%
Min Balance $1,000 Details Balance: $1,000 - $9,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Share Accounts	0.995%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Checking Rates

Product	Rate	APY
Mission Checking	-	4.00%
Details Earn up to 4.00% APY on an unlimited balance; for 501(c)(3) organizations; must provide documentation showing 501(c)(3) business structure; free business checking; zero transaction fees Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Vertical Checking	3.445%	3.50%
Min Deposit $25 Details Qualifications Required; # of Debit Transactions: 15+; Balance cap up to $20,000 for 3.50% APY; Featured Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Investor Checking	1.98%	2.00%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 or more; # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Investor Checking	0.45%	0.45%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999; # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Investor Checking	0.20%	0.20%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 - $9,999; # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Investor Checking	0.20%	0.20%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999; # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Classic Checking	0.005%	0.005%
Min Deposit $25 Min Balance $500 Details # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Classic Debit Checking	0.005%	0.005%
Min Deposit $25 Min Balance $500 Details # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Platinum Rewards Checking	0.005%	0.005%
Min Deposit $25 Min Balance $500 Details Qualifications Required; Balance: $500; # of Debit Transactions: 15+; Earns 500 bonus ScoreCard points per month when all requirements are met Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Dividend Checking	0.05%	0.05%
Min Deposit $100 Min Balance $1,000 Details # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.84%	Up to 63 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 6.24% → 5.84% ▼ 0.40 pts · high 6.24% / low 5.84% Oct 4, 20265.84%▼ from 6.24% Sep 25, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	5.98%	66 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.98% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.02%	72 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.02% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.14%	63 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 6.24% → 6.14% ▼ 0.10 pts · high 6.24% / low 6.14% Oct 4, 20266.14%▼ from 6.24% Sep 25, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.28%	75 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan	-	-	6.29%	Up to 63 Months
Details As Low As; Model Year: 2022; Featured Rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.29%	Up to 63 Months
Details As Low As; Model Year: 2022; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.38%	66 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.38%	72 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.39%	63 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.48%	66 Months
Details As Low As; Model Year: 2022; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.48% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.53%	84 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	6.53%	75 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.53%	72 Months
Details As Low As; Model Year: 2022; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan	-	-	6.58%	63 Months
Details As Low As; Model Year: 2020; Featured Rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.58%	63 Months
Details As Low As; Model Year: 2020; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.58% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.64%	66 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.74%	72 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.84%	66 Months
Details As Low As; Model Year: 2020; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	6.99%	75 Months
Details As Low As; Model Year: 2022; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	7.25%	72 Months
Details As Low As; Model Year: 2020; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New Auto Loan	-	-	7.60%	84 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	7.99%	75 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	8.99%	60 Months
Details As Low As; Model Year: 2019 - Older; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used Auto Loan	-	-	10.40%	66 Months
Details As Low As; Model Year: 2019 - Older; Rate accurate as of October 28, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle / Watercraft Loan	-	8.95%	Up to 63 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	9.00%	63 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	9.20%	66 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	9.20%	63 Months
Details As Low As; Model Year: 2022; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	9.35%	72 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	9.60%	75 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.05%	66 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.05%	63 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.10%	66 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.20%	72 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.35%	72 Months
Details As Low As; Model Year: 2022; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.40%	72 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.50%	63 Months
Details As Low As; Model Year: 2020; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.65%	84 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.65%	75 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.70%	75 Months
Details As Low As; Model Year: 2021; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	10.90%	66 Months
Details As Low As; Model Year: 2020; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	11.20%	72 Months
Details As Low As; Model Year: 2020; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 11.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	11.30%	60 Months
Details As Low As; Model Year: 2019 - Older; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 11.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	11.55%	84 Months
Details As Low As; Model Year: 2023; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 11.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	11.90%	96 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	12.65%	120 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 12.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	13.05%	72 Months (RV Only)
Details As Low As; Model Year: 2019 - Older; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 13.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Recreational Vehicle / Watercraft Loan	-	13.90%	144 Months
Details As Low As; Model Year: New - 2024; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 13.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 12 Months	9.59%	12 Months
Details Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Personal Loan - 24 Months	10.09%	24 Months
Details Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.09% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Personal Loan - 36 Months	10.59%	36 Months
Details Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Personal Loan - 48 Months	11.09%	48 Months
Details Minimum loan amount $2,500; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Personal Loan - 60 Months	12.09%	60 Months
Details Minimum loan amount $7,500; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Liberty Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Computer and Non-Titled Collateral Loan	-	-	8.55%	63 Months
Details As Low As; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.55% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Computer and Non-Titled Collateral Loan	-	-	9.05%	66 Months
Details As Low As; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.05% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Computer and Non-Titled Collateral Loan	-	-	9.60%	72 Months
Details As Low As; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Home Improvement Loan	-	-	10.39%	60 Months
Details As Low As; Maximum loan $12,000; Rate accurate as of October 27, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Health Savings Account	1.49%	-	1.50%	1 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Health Savings Account	3.25%	-	3.30%	2 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Health Savings Account	3.25%	-	3.30%	3 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Health Savings Account	3.49%	-	3.55%	4 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Health Savings Account	3.49%	-	3.55%	5 Year Fixed
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Health Savings Checking	1.99%	-	2.01%
Min Balance $500 Details # of Debit Transactions: N/A Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Vertical Checking	-	-	3.50%
Min Deposit $25 Details Qualifications Required: 15+ monthly purchases; 1+ online or mobile banking login; 1+ direct deposit into the account; Electronic statement enrollment; Applicable on balances up to $20,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

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

Liberty Federal Credit Union’s Texas Ratio rose from 1.13% in Q3 2023 to 2.97% 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	$4.8B	2.97%	5.0	A+
March 31, 2026	$4.8B	3.23%	5.0	A+
December 31, 2025	$4.6B	2.44%	5.0	A+
September 30, 2025	$4.5B	2.06%	5.0	A+
June 30, 2025	$4.4B	2.20%	5.0	A+
March 31, 2025	$4.3B	1.47%	5.0	A+
December 31, 2024	$4.2B	1.91%	5.0	A+
September 30, 2024	$4.2B	1.89%	5.0	A+
June 30, 2024	$4.1B	1.78%	5.0	A+
March 31, 2024	$4.0B	0.85%	5.0	A+
December 31, 2023	$3.8B	0.97%	5.0	A+
September 30, 2023	$3.9B	1.13%	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 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 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 Liberty Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Liberty Federal Credit Union

Website https://libertyfcu.org

Address 4401 Theater Dr, Evansville, IN 47715-1967

Phone 812-477-9271

Fax 812-473-9704

President Connie Ralph

CEO William Schirmer

Full-Time Employees 875

Part-Time Employees 23

Branch Locations 36

ATM Locations 33

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.97%

Return on Assets (ROA)

0.7266%

Return on Equity (ROE)

6.6520%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

4,837,854,464

Total Amount of Shares and Deposits

3,564,471,684

Total Shares and Deposits < 1 Year

3,398,025,583

Total Shares and Deposits 1 3 Years

139,565,604

Total Shares and Deposits > 3 Years

26,880,497

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

472,259,144

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

472,264,627

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

3,092,207,057

Total Interest Expense (Sum of items 6 8)

51,175,013

Share Certificates

45,831

Number of Accounts for Share Drafts

148,620

IRA KEOGH Accounts

7,805

Number of Accounts for Regular Shares

308,715

All other shares

4,389

Non Member Deposits

193

Money Market Shares

3,132

Net Income (unless the amount is already included in Undivided Earnings)

35,151,781

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)

711,738,020

Total Liabilities

4,371,668,255

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Liberty Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Liberty Federal Credit Union

Does Liberty Federal Credit Union offer CDs?

Yes. Liberty Federal Credit Union current CD rates include its 9 Month CD at 4.25% APY, its 14 Month CD at 4.15% APY and its 4 Year CD at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Liberty Federal Credit Union NCUA insured?

Yes. 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 Liberty Federal Credit Union?

The highest Liberty Federal Credit Union CD rate is its 9 Month IRA CD at 4.30% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Liberty Federal Credit Union offer?

Liberty Federal Credit Union CD rates are 4.25% APY for a 9 month CD, 1.45% APY for a 12 month CD, 4.15% APY for a 14 month CD, 1.65% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Liberty Federal Credit Union for its full lineup.

What is the highest savings rate at Liberty Federal Credit Union?

The highest Liberty Federal Credit Union savings rate is its Health Savings Account at 3.55% APY, verified by MonitorBankRates as of October 28, 2026.

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

The highest Liberty Federal Credit Union money market rate is its Money Market Share Accounts at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

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

The highest Liberty Federal Credit Union checking rate is its Mission Checking at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Liberty Federal Credit Union?

The lowest Liberty Federal Credit Union auto loan rate is its New Auto Loan at 5.84% APR, verified by MonitorBankRates as of October 28, 2026.

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

The lowest Liberty Federal Credit Union personal loan rate is its Personal Loan - 12 Months at 9.59% APR, verified by MonitorBankRates as of October 28, 2026. Liberty Federal Credit Union personal loan rates are 9.59% APR for a 12 month personal loan, 10.09% APR for a 24 month personal loan, 10.59% APR for a 36 month personal loan, 11.09% APR for a 48 month personal loan and 12.09% APR for a 60 month personal loan.

How many branches does Liberty Federal Credit Union operate?

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 Liberty Federal Credit Union?

Yes, to access services at 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, 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, Liberty Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Liberty Federal Credit Union offer online and mobile banking?

Most modern institutions like 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://libertyfcu.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 Liberty Federal Credit Union rates compare?

Liberty Federal Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. Liberty Federal Credit Union's top rates are its 9 Month IRA CD at 4.30% APY, its Health Savings Account at 3.55% APY, its Money Market Share Accounts at 4.00% APY, its Mission Checking at 4.00% APY and its Personal Loan - 12 Months at 9.59% APR, verified by MonitorBankRates on October 28, 2026.

Current Liberty Federal Credit Union Rates

12-Month CD1.45%
18-Month CD1.65%
24-Month CD3.25%
60-Month CD3.50%
Savings3.55%
MMA4.00%

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

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Liberty Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Liberty Federal Credit Union Texas Ratio

Liberty Federal Credit Union Health Trend

Liberty Federal Credit Union CD Rates

Liberty Federal Credit Union Savings Rates

Liberty Federal Credit Union Money Market Rates

Liberty Federal Credit Union Checking Rates

Liberty Federal Credit Union Business Checking Rates

Liberty Federal Credit Union Auto Loan Rates

Liberty Federal Credit Union RV, Boat and Powersport Loan Rates

Liberty Federal Credit Union Personal Loan Rates

Liberty Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Liberty Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Liberty Federal Credit Union

Does Liberty Federal Credit Union offer CDs?

Are CDs from Liberty Federal Credit Union NCUA insured?

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

What CD terms does Liberty Federal Credit Union offer?

What is the highest savings rate at Liberty Federal Credit Union?

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

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

What is the lowest auto loan rate at Liberty Federal Credit Union?

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

How many branches does Liberty Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 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 Liberty Federal Credit Union rates compare?

Current Liberty Federal Credit Union Rates

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