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 1st Liberty Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: September 20, 2026
1st Liberty Federal Credit Union's 9 Month Special CDs (Minimum Opening rates are at 3.30%, 19 Month Special CDs (Minimum Opening rates are at 3.04%, 60 Month IRA CDs rates are at 2.32%, 60 Month Regular CDs (Minimum Opening rates are at 2.32%, Regular CDs (Minimum Opening - 60 month rates are at 2.32%. 1st Liberty Federal Credit Union's money market rates are at 0.80%. 1st Liberty Federal Credit Union's Personal Loan Rates are as low as 9.99%. 1st Liberty Federal Credit Union's Credit Card Rates are at 13.00%. 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 0.94%. Rates last updated and verified on 09/20/2026. 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. 1st Liberty Federal Credit Union
Robert H Scott Branch 6200 3rd Ave N
https://www.1stliberty.org Great Falls, MT 59405-1528 
1st Liberty Federal Credit Union CD Rates
1st Liberty Federal Credit Union Savings Rates
1st Liberty Federal Credit Union Money Market Rates
1st Liberty Federal Credit Union Checking Rates
1st Liberty Federal Credit Union Home Equity & HELOC
1st Liberty Federal Credit Union Auto Loan Rates
1st Liberty Federal Credit Union RV, Boat and Powersport Loan Rates
1st Liberty Federal Credit Union Credit Card Rates
1st Liberty Federal Credit Union Personal Loan Rates
1st Liberty Federal Credit Union Other Rates
Financial Health History1st Liberty Federal Credit Union’s Texas Ratio fell from 1.56% in Q2 2023 to 0.94% in Q1 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
57
Part-Time Employees
4
Branch Locations
7
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.94%
Return on Assets (ROA)
0.0691%
Return on Equity (ROE)
0.4922%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
217,527,729
Total Amount of Shares and Deposits
186,170,393
Total Shares and Deposits < 1 Year
181,738,288
Total Shares and Deposits 1 3 Years
4,014,180
Total Shares and Deposits > 3 Years
417,925
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,372,499
Total Uninsured Shares and Deposits > $250K (F+J)
6,372,499
Total Insured Shares and Deposits > $250K (item 17 less item K)
179,797,894
Total Interest Expense (Sum of items 6 8)
202,797
Share Certificates
640
Number of Accounts for Share Drafts
8,971
IRA KEOGH Accounts
441
Number of Accounts for Regular Shares
18,220
All other shares
141
Money Market Shares
348
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)
26,242,422
Total Liabilities
188,825,793
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for 1st Liberty Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for 1st Liberty Federal Credit Union
Frequently Asked Questions About 1st Liberty Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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