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Midwest Liberty Federal Credit Union

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Midwest Liberty Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Midwest Liberty Federal Credit Union's top rate as of October 13, 2026 is personal loans from 15.25% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Midwest Liberty Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.45%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.45%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union

1001 W B St
McCook, NE 69001

https://www.midwestlibertyfcu.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.

Midwest Liberty Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	7.00%	Up to 84 months
Details New vehicle; max term 84 months; Base rate of 7.00% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%
New Vehicles Loan	-	-	7.00%	max term 84 months
Details Base rate of 7.00%; New and Used Vehicles loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%
Used Vehicle Loan	-	-	8.00%	Up to 72 months
Details Used vehicle; max term 72 months; Base rate of 8.00% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%
Used Vehicles Loan	-	-	8.00%	max term 72 months
Details Base rate of 8.00%; New and Used Vehicles loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%

Midwest Liberty Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat/ATV/Motorcycle/Motor Home/5th Wheel/Travel Trailer - New Loan	-	10.00%	max term 120 months
Details Base rate of 10.00%; New vehicle; APR rate based on creditworthiness and term of loan Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%
Boat/ATV/Motorcycle/Motor Home/5th Wheel/Travel Trailer - New Loan	-	10.00%	Up to 120 months
Details Base rate of 10.00%; New; Max term 120 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%
Boat/ATV/Motorcycle/Motor Home/5th Wheel/Travel Trailer - Used Loan	-	10.00%	max term 120 months
Details Base rate of 10.00%; Used vehicle; APR rate based on creditworthiness and term of loan Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%
Boat/ATV/Motorcycle/Motor Home/5th Wheel/Travel Trailer - Used Loan	-	10.00%	Up to 120 months
Details Base rate of 10.00%; Used; Max term 120 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%

Midwest Liberty Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	15.25%	Up to 60 months
Details Base rate of 15.25% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 15.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.45%

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

Midwest Liberty Federal Credit Union’s Texas Ratio rose from 6.57% in Q3 2023 to 12.45% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$25M	12.45%	5.0	A
March 31, 2026	$25M	7.01%	5.0	A
December 31, 2025	$25M	9.11%	5.0	A
September 30, 2025	$24M	9.84%	5.0	A
June 30, 2025	$25M	8.28%	5.0	A
March 31, 2025	$25M	7.13%	5.0	A
December 31, 2024	$24M	4.59%	5.0	A+
September 30, 2024	$24M	3.48%	5.0	A+
June 30, 2024	$24M	4.99%	5.0	A+
March 31, 2024	$25M	8.96%	5.0	A
December 31, 2023	$25M	6.23%	5.0	A
September 30, 2023	$22M	6.57%	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 Midwest 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 Midwest 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 Midwest Liberty Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Midwest Liberty Federal Credit Union

Website https://www.midwestlibertyfcu.org

Address 1001 W B St, McCook, NE 69001

Phone 308-345-7040

Fax 308-345-7050

President Dari Olson

CEO Sarah Renner

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.45%

Return on Assets (ROA)

-0.0227%

Return on Equity (ROE)

-0.2167%

Non-Performing Loans Ratio (NPL)

2.24%

Total Assets

25,241,372

Total Amount of Shares and Deposits

22,306,487

Total Shares and Deposits < 1 Year

19,825,594

Total Shares and Deposits 1 3 Years

2,397,527

Total Shares and Deposits > 3 Years

83,365

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

239,535

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

239,535

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

22,066,952

Total Interest Expense (Sum of items 6 8)

154,762

Share Certificates

274

Number of Accounts for Share Drafts

1,036

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,882

All other shares

Money Market Shares

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)

2,377,208

Total Liabilities

22,596,516

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Midwest Liberty Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/midwest-liberty-federal-credit-union-rates-review-6466">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Midwest Liberty Federal Credit Union

How many branches does Midwest Liberty Federal Credit Union operate?

Midwest 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 Midwest Liberty Federal Credit Union?

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

Does Midwest Liberty Federal Credit Union offer online and mobile banking?

Most modern institutions like Midwest 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.midwestlibertyfcu.org.