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1st Liberty Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

1st Liberty Federal Credit Union's top rates as of October 12, 2026 are 3.30% APY on its 9 Month Special CDs CD, 0.95% APY on money market accounts, 0.15% APY on checking, 4.99% on its 1st Mortgage - 120 Month, personal loans from 9.99% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other 1st Liberty Federal Credit Union CD rates include 19 Month Special CDs at 3.04%, 60 Month Regular CDs at 2.32%, and Regular CDs - 60 month at 2.32%. Other 1st Liberty Federal Credit Union mortgage rates include 1st Mortgage - 180 Month at 5.49%, and 1st Mortgage - 240 Month at 5.99%. 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 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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
Member NCUA
Customer Reviews
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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 View More
9 Month Special Certificates 3.25% 3.30% 9 Months
Min Deposit $10,000
Details Minimum Opening Balance $10,000; Rates effective as of 1/20/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
19 Month Special Certificates 3.00% 3.04% 19 Months
Min Deposit $10,000
Details Minimum Opening Balance $10,000; Rates effective as of 1/20/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 13, 2026
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 Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 2.22% → 2.32% ▲ 0.10 pts · high 2.32% / low 2.22%
1.72%2.27%2.82%Sep 20, 2026: 2.22% APYOct 8, 2026: 2.32% APYSep 20, 2026Oct 13, 2026
  • 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 Certificates - 60 month 2.30% 2.32% 60 Months
Min Deposit $50,000
Details Share Certificate; Minimum Opening Balance $50,000
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 2.22% → 2.32% ▲ 0.10 pts · high 2.32% / low 2.22%
1.72%2.27%2.82%Sep 14, 2026: 2.22% APYSep 25, 2026: 2.32% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.32%▲ from 2.22%
  • Sep 14, 20262.22%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 60 month 2.20% 2.22% 60 Months
Min Deposit $500
Details Minimum Opening Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 2.22% APY · checked 6 times
1.72%2.22%2.72%Sep 14, 2026: 2.22% APYSep 14, 2026Oct 13, 2026
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 Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 1.97% → 2.07% ▲ 0.10 pts · high 2.07% / low 1.97%
1.47%2.02%2.57%Sep 20, 2026: 1.97% APYOct 8, 2026: 2.07% APYSep 20, 2026Oct 13, 2026
  • 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%
Regular Certificates - 48 month 2.05% 2.07% 48 Months
Min Deposit $50,000
Details Share Certificate; Minimum Opening Balance $50,000
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 1.97% → 2.07% ▲ 0.10 pts · high 2.07% / low 1.97%
1.47%2.02%2.57%Sep 14, 2026: 1.97% APYSep 25, 2026: 2.07% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.07%▲ from 1.97%
  • Sep 14, 20261.97%first recorded
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 Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 1.87% → 1.97% ▲ 0.10 pts · high 1.97% / low 1.87%
1.37%1.92%2.47%Sep 20, 2026: 1.87% APYOct 8, 2026: 1.97% APYSep 20, 2026Oct 13, 2026
  • 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 Certificates - 36 month 1.95% 1.97% 36 Months
Min Deposit $50,000
Details Share Certificate; Minimum Opening Balance $50,000
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 1.87% → 1.97% ▲ 0.10 pts · high 1.97% / low 1.87%
1.37%1.92%2.47%Sep 14, 2026: 1.87% APYSep 25, 2026: 1.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20261.97%▲ from 1.87%
  • Sep 14, 20261.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 48 month 1.95% 1.97% 48 Months
Min Deposit $500
Details Minimum Opening Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.97% APY · checked 6 times
1.47%1.97%2.47%Sep 14, 2026: 1.97% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 36 month 1.85% 1.87% 36 Months
Min Deposit $500
Details Minimum Opening Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.87% APY · checked 6 times
1.37%1.87%2.37%Sep 14, 2026: 1.87% APYSep 14, 2026Oct 13, 2026
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 Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 1.71% → 1.81% ▲ 0.10 pts · high 1.81% / low 1.71%
1.21%1.76%2.31%Sep 20, 2026: 1.71% APYOct 8, 2026: 1.81% APYSep 20, 2026Oct 13, 2026
  • 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 Certificates - 24 month 1.80% 1.81% 24 Months
Min Deposit $50,000
Details Share Certificate; Minimum Opening Balance $50,000
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 1.71% → 1.81% ▲ 0.10 pts · high 1.81% / low 1.71%
1.21%1.76%2.31%Sep 14, 2026: 1.71% APYSep 25, 2026: 1.81% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20261.81%▲ from 1.71%
  • Sep 14, 20261.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 24 month 1.70% 1.71% 24 Months
Min Deposit $500
Details Minimum Opening Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.71% APY · checked 6 times
1.21%1.71%2.21%Sep 14, 2026: 1.71% APYSep 14, 2026Oct 13, 2026
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 Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 1.56% → 1.66% ▲ 0.10 pts · high 1.66% / low 1.56%
1.06%1.61%2.16%Sep 20, 2026: 1.56% APYOct 8, 2026: 1.66% APYSep 20, 2026Oct 13, 2026
  • 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 Certificates - 12 month 1.65% 1.66% 12 Months
Min Deposit $50,000
Details Share Certificate; Minimum Opening Balance $50,000
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 1.56% → 1.66% ▲ 0.10 pts · high 1.66% / low 1.56%
1.06%1.61%2.16%Sep 14, 2026: 1.56% APYSep 25, 2026: 1.66% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20261.66%▲ from 1.56%
  • Sep 14, 20261.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 12 month 1.55% 1.56% 12 Months
Min Deposit $500
Details Minimum Opening Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 6 times
1.06%1.56%2.06%Sep 14, 2026: 1.56% APYSep 14, 2026Oct 13, 2026
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 Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.46% APY · checked 5 times
0.96%1.46%1.96%Sep 14, 2026: 1.46% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 06 month 1.45% 1.46% 6 Months
Min Deposit $50,000
Details Share Certificate; Minimum Opening Balance $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.46% APY · checked 5 times
0.96%1.46%1.96%Sep 14, 2026: 1.46% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Regular Certificates - 06 month 1.35% 1.36% 6 Months
Min Deposit $250
Details Minimum Opening Balance $250; Dividend rate and APY are fixed for the term of the certificate; 10 calendar day grace period after maturity
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 5 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club Shares 1.00% 1.01%
Min Deposit $0
Min Balance $0
Details Balance: $0 - $5,000; Matures October 1; Maximum Balance $5,000
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 8, 2026: 1.01% APYOct 8, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 8, 2026: 1.01% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Shares 0.95% 0.95%
Min Deposit $2,500
Min Balance $100,000
Details Balance: $100,000 and above; Minimum Opening Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.95% APY · checked 5 times
0.45%0.95%1.45%Sep 20, 2026: 0.95% APYSep 20, 2026Oct 13, 2026
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; Minimum Opening Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.90% APY
0.40%0.90%1.40%Oct 12, 2026: 0.90% APYOct 12, 2026Oct 13, 2026
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; Minimum Opening Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 20, 2026: 0.85% APYSep 20, 2026Oct 13, 2026
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; Minimum Opening Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.82% APY · checked 5 times
0.32%0.82%1.32%Sep 20, 2026: 0.82% APYSep 20, 2026Oct 13, 2026
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; Minimum Opening Balance $2,500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 13, 2026
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 0.15% 0.15%
Min Balance $2,000
Details Balance: $2,000 and above (when conditions are met)
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
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 0.15% 0.15%
Min Balance $0
Details Balance: $0 and above
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 13, 2026
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% Variable
Details Variable Rate; printed as 7.00% APR*
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 9 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%

1st Liberty Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 3.99%
Details As Low As; Year: 2021 & Newer; Fixed Rate; APR is the As Low As Annual Percentage Rate; Rates effective as of 9/1/2026
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 18, 2026: 4.99% APROct 12, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
  • Oct 12, 20263.99%▼ from 4.99%
  • Sep 18, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Auto Loan - - 4.99%
Details As Low As; Year: 2018 - 2020; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Auto Loan - - 6.99%
Details As Low As; Year: 2017 & Older; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 18, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
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 Term View More
ATVs, Tent Trailers, Dirt Bikes, Scooters, Jet Skis, Snowmobiles, Other Collateral Loan - 6.49%
Details As Low As; Year: 2021 & Newer; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
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; Year: 2021 & Newer; Fixed Rate
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99%
6.49%7.24%7.99%Sep 18, 2026: 7.49% APROct 12, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
  • 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; Year: 2018 - 2020; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 18, 2026: 7.49% APRSep 18, 2026Oct 13, 2026
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; Year: 2020 & Older; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 12, 2026: 7.99% APROct 12, 2026Oct 13, 2026
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; Year: 2017 & Older; Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 9.19% APR · checked 5 times
8.69%9.19%9.69%Sep 18, 2026: 9.19% APRSep 18, 2026Oct 13, 2026
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; Revolving
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 8 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
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; APR as low as 9.99%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
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 View More
1st Mortgage - 120 Month - - 4.99% 120 Month
Details Minimum loan $20,000; Fixed Rate; APR*
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
1st Mortgage - 180 Month - - 5.49% 180 Month
Details Minimum loan $40,000; Fixed Rate; APR*
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
1st Mortgage - 240 Month - - 5.99% 240 Month
Details Minimum loan $60,000; Fixed Rate; APR*
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
2nd Mortgage - - 6.74% 120 Month
Details Fixed Rate; Minimum loan $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.74% APR · checked 8 times
6.24%6.74%7.24%Sep 17, 2026: 6.74% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Primary Shares 0.15% - 0.15%
Min Deposit $25
Min Balance $25
Details Balance: $25 - 1,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Primary Shares 0.15% - 0.15%
Min Deposit $25
Min Balance $2,000
Details Balance: $2,000 - 4,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Primary Shares 0.15% - 0.15%
Min Deposit $25
Min Balance $5,000
Details Balance: $5,000 - 9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Primary Shares 0.15% - 0.15%
Min Deposit $25
Min Balance $10,000
Details Balance: $10,000 and above
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Sub Shares 0.15% - 0.15%
Min Deposit $0
Min Balance $0
Details Balance: $0 - 1,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Sub Shares 0.15% - 0.15%
Min Deposit $0
Min Balance $2,000
Details Balance: $2,000 - 4,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Sub Shares 0.15% - 0.15%
Min Deposit $0
Min Balance $5,000
Details Balance: $5,000 - 9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Sub Shares 0.15% - 0.15%
Min Deposit $0
Min Balance $10,000
Details Balance: $10,000 and above
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Traditional IRA Shares 0.85% - 0.85%
Min Deposit $0
Min Balance $25
Details Traditional, Roth; Balance: $25 and above; IRA Shares (Minimum Opening Balance $0) Traditional, Roth
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 8, 2026: 0.85% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Youth Shares 0.15% - 0.15%
Min Deposit $5
Min Balance $5
Details Balance: $5 - 1,999.99; Dividend Rate 0.15%; APY* 0.15%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Youth Shares 0.15% - 0.15%
Min Deposit $5
Min Balance $2,000
Details Balance: $2,000 - 4,999.99; Dividend Rate 0.15%; APY* 0.15%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Youth Shares 0.15% - 0.15%
Min Deposit $5
Min Balance $5,000
Details Balance: $5,000 - 9,999.99; Dividend Rate 0.15%; APY* 0.15%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.83%
Youth Shares 0.15% - 0.15%
Min Deposit $5
Min Balance $10,000
Details Balance: $10,000 and above; Dividend Rate 0.15%; APY* 0.15%
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
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.
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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.

0% 1.0★ 0.5% 2.0★ 1% 3.0★ 1.5% 4.0★ 2% 5.0★ Healthy zone – entire history below the 15% limit 1.46% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.83% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$214M0.83%5.0A+
March 31, 2026$218M0.94%5.0A+
December 31, 2025$216M1.43%5.0A+
September 30, 2025$209M1.22%5.0A+
June 30, 2025$211M1.35%5.0A+
March 31, 2025$211M0.80%5.0A+
December 31, 2024$211M1.10%5.0A+
September 30, 2024$206M0.79%5.0A+
June 30, 2024$206M0.86%5.0A+
March 31, 2024$210M1.13%5.0A+
December 31, 2023$212M1.51%5.0A+
September 30, 2023$215M1.46%5.0A+
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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

1st 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/1st-liberty-federal-credit-union-rates-review-10375">
  <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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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About 1st Liberty Federal Credit Union

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.

Current 1st Liberty Federal Credit Union Rates

  • 12-Month CD1.56%
  • 18-Month CD3.04%
  • 24-Month CD1.71%
  • 60-Month CD2.22%
  • MMA0.95%
Retrieved from our database of financial products. Rates subject to change.

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