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Liberty First Credit Union Rates & Review April 2026

Liberty First Credit Union's Thirteen (13) Month Special CDs of Deposits & IRAs rates are at 3.85%, Thirteen (13) Month Special CDs of Deposits & IRAs rates are at 3.75%, Thirty-nine (39) Month Special CDs of Deposits & IRAs rates are at 3.50%, Thirty-nine (39) Month Special CDs of Deposits & IRAs rates are at 3.40%, Sixty (60) Month CDs of Deposits & IRAs rates are at 2.30%. Liberty First Credit Union's savings rates are at 0.05%. Liberty First Credit Union's money market rates are at 0.10%. Liberty First Credit Union's Personal Loan Rates are at 7.68%. MonitorBankRates evaluates the financial stability of Liberty First Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.80%. Rates were last updated on 04/19/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.80%
Excellent Higher than avg
Liberty First Credit Union
Main
501 N 46th St
Lincoln, NE 68503 3718
https://www.libertyfirstcu.com
Member NCUA

Liberty First Credit Union CD Rates

Product Rate APY Term View More
Thirteen (13) Month Special Certificates of Deposits & IRAs 3.78% 3.85% 13
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Thirteen (13) Month Special Certificates of Deposits & IRAs 3.69% 3.75% 13
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Thirty-nine (39) Month Special Certificates of Deposits & IRAs 3.45% 3.50% 39
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Thirty-nine (39) Month Special Certificates of Deposits & IRAs 3.35% 3.40% 39
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Sixty (60) Month Certificates of Deposits & IRAs 2.28% 2.30% 60
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Sixty (60) Month Certificates of Deposits & IRAs 2.23% 2.25% 60
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
48 Forty-eight Month Certificates of Deposits & IRAs 2.13% 2.15% 48
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Thirty-six (36) Month Certificates of Deposits & IRAs 2.13% 2.15% 36
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
48 Forty-eight Month Certificates of Deposits & IRAs 2.08% 2.10% 48
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Thirty-six (36) Month Certificates of Deposits & IRAs 2.08% 2.10% 36
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Twenty-four (24) Month Certificates of Deposits & IRAs 1.98% 2.00% 24
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Twenty-four (24) Month Certificates of Deposits & IRAs 1.93% 1.95% 24
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Eighteen (18) Month Certificates of Deposits & IRAs 1.79% 1.80% 18
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Eighteen (18) Month Certificates of Deposits & IRAs 1.74% 1.75% 18
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Twelve (12) Month Add-on Certificates of Deposits & IRAs 1.54% 1.55% 12
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Youth/Young Adult Twelve (12) Month Add-on Certificates of Deposits & IRAs 1.54% 1.55% 12
Min Deposit $100
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Twelve (12) Month Add-on Certificates of Deposits & IRAs 1.49% 1.50% 12
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Youth/Young Adult Twelve (12) Month Add-on Certificates of Deposits & IRAs 1.49% 1.50% 12
Min Deposit $100
Min Balance $100
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Six (6) Month Certificates of Deposits & IRAs 0.20% 0.20% 6
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Six (6) Month Certificates of Deposits & IRAs 0.15% 0.15% 6
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Three (3) Month Certificates of Deposits & IRAs 0.15% 0.15% 3
Min Deposit $500
Min Balance $75,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Three (3) Month Certificates of Deposits & IRAs 0.10% 0.10% 3
Min Deposit $500
Min Balance $25,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Three (3) Month Certificates of Deposits & IRAs 0.05% 0.05% 3
Min Deposit $500
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Savings Rates

Product Rate APY View More
Liberty+ Savings 1.98% 2.00%
Min Balance $0
Details Qualifying balance up to $0.01
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Health Savings Account 0.50% 0.50%
Min Balance $25,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
IRA Savings 0.50% 0.50%
Min Balance $50,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Health Savings Account 0.25% 0.25%
Min Balance $2,500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
IRA Savings 0.25% 0.25%
Min Balance $25,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Wealth Builder Savings 0.25% 0.25%
Min Balance $5
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Health Savings Account 0.15% 0.15%
Min Balance $5
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
IRA Savings 0.15% 0.15%
Min Balance $5
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Savings 0.10% 0.10%
Min Balance $50,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Savings 0.05% 0.05%
Min Balance $5
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Money Market Rates

Product Rate APY View More
Money Market Investment 0.10% 0.10%
Min Deposit $2,500
Min Balance $2,500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Checking Rates

Product Rate APY View More
Business Plus Checking 0.15% 0.15%
Min Deposit $50
Min Balance $25,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Business Plus Checking 0.10% 0.10%
Min Deposit $50
Min Balance $5,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
50 Plus Checking 0.05% 0.05%
Min Deposit $50
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
Business Plus Checking 0.05% 0.05%
Min Deposit $50
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 5.75%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 2.99%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 9.99%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%
MasterCard® Credit Card - 9.99%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Liberty First Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loans - 7.68%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.80%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Liberty First 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 First 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 First Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Liberty First Credit Union
Address 501 N 46th St, Lincoln, NE 68503 3718
Phone 402-465-1000
Fax 402-464-0472
President Tom Bolton
CEO Frank Wilber
Full-Time Employees 89
Part-Time Employees 8
Branch Locations 7
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.80%
Return on Assets (ROA)
1.1076%
Return on Equity (ROE)
7.8714%
Non-Performing Loans Ratio (NPL)
1.43%
Total Assets
507,404,167
Total Amount of Shares and Deposits
426,039,463
Total Shares and Deposits < 1 Year
342,064,414
Total Shares and Deposits 1 3 Years
67,928,909
Total Shares and Deposits > 3 Years
16,046,140
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,155,576
Total Uninsured Shares and Deposits > $250K (F+J)
7,155,576
Total Insured Shares and Deposits > $250K (item 17 less item K)
418,883,887
Total Interest Expense (Sum of items 6 8)
7,636,549
Share Certificates
2,141
Number of Accounts for Share Drafts
21,327
IRA KEOGH Accounts
693
Number of Accounts for Regular Shares
40,033
All other shares
180
Non Member Deposits
33
Money Market Shares
24
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
89,931,558
Total Liabilities
436,005,322
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Liberty First Credit Union

Is Liberty First Credit Union a safe place to deposit money?

Yes, Liberty First Credit Union is considered a safe financial institution. With a Texas Ratio of 7.8034385570243%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Liberty First Credit Union operate?

Liberty First 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 First Credit Union?

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

Does Liberty First Credit Union offer online and mobile banking?

Most modern institutions like Liberty First 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.libertyfirstcu.com.

Current Liberty First Credit Union Rates

  • Savings0.05%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.