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Fort Liberty Federal Credit Union Rates & Review September 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: September 21, 2026

Fort Liberty Federal Credit Union's money market rates are at 3.00%. Fort Liberty Federal Credit Union's Personal Loan Rates are as low as 7.74%. Fort Liberty Federal Credit Union's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Fort Liberty Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.42%. Rates last updated and verified on 09/21/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
2.42%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Fort Liberty Federal Credit Union
Hefner Branch
4172 Hefner Dr
Fort Bragg, NC 28310
https://www.myfortlibertyfcu.org
Member NCUA

Fort Liberty Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.25% 0.25%
Min Balance $5
Details Balance: $5 or greater; Variable
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

Fort Liberty Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 3.00% 3.00%
Min Balance $5,000
Details Balance: $5,000 - $249,999.99; The dividend calculation method is Average Daily Balance (ADB), and dividends are calculated and paid monthly. Dividends are earned on the entire ADB balance if greater than $5,000. If below $5,000, a $10 monthly fee will be assessed, and no dividends are earned. Money Market rates are set monthly. Other fees may apply and can reduce the earnings on this account. This account does not permit debit card access, check writing, or BillPay payments. Account may not be used for overdraft protection or as collateral for secured loans.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

Fort Liberty Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 1st Lien-refinance - - 7.58%
Details As low as; Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Home Equity Loan 2nd Lien - - 7.74%
Details As low as; Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

Fort Liberty Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Car Loan - - 5.00%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Used Car Loan - - 5.40%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

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

Product Rate APR Term View More
New Boat Loan - 5.50%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Used Boat Loan - 6.00%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
New Recreational Vehicle (RV) Loan - 6.75%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
New Motorcycle Loan - 7.00%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Used Recreational Vehicle (RV) Loan - 7.25%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Used Motorcycle Loan - 7.50%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

Fort Liberty Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card, Secured - 10.90%
Details Published APR range: 10.90% - 17.00%. Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Visa Credit Card, Unsecured - 11.90%
Details Published APR range: 11.90% - 17.00%. Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Visa Credit Card, Unsecured First-Time Borrower - 17.00%
Details Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

Fort Liberty Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Home Improvement Loan 7.74%
Details As low as; Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Personal Loan 9.00%
Details As low as; Rate assumes a 0.25% electronic automatic payment discount. Without electronic payment, the rate will be 0.25% higher than the rate listed.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Visa Credit Card, Unsecured 11.90%
Details Published APR range: 11.90% - 17.00%. Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Visa Credit Card, Unsecured First-Time Borrower 17.00%
Details Rates may vary based on individual creditworthiness, subject to credit approval, term requested, and loan-to-value. Advertised rates may include additional adjustments when applicable. Rates, terms, and conditions are subject to change without notice. Please contact us for your actual rate. Membership restrictions apply. The maximum rate is 17% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%

Fort Liberty Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA 0.65% - 0.65%
Min Balance $25
Details Balance: $25 or greater; Variable
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Regular Share 0.20% - 0.20%
Min Balance $5
Details Balance: $5 - $49,999.99; Variable
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Skyward 0.25% - 0.25%
Min Balance $5
Details Balance: $5 - $25,000; Variable
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
Skyward 0.05% - 0.05%
Min Balance $100
Details VARIABLE
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.42%
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.
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Financial Health History

Fort Liberty Federal Credit Union’s Texas Ratio fell from 5.07% in Q2 2023 to 2.42% in Q1 2026, so its financial health has improved and is now 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★ 2% 2.0★ 3.9% 3.0★ 5.9% 4.0★ 7.8% 5.0★ Healthy zone – entire history below the 15% limit 5.07% A+ Q2 2023 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 2.42% A+ Q1 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
March 31, 2026$683M2.42%5.0A+
December 31, 2025$666M2.84%5.0A+
September 30, 2025$664M3.36%5.0A+
June 30, 2025$660M3.17%5.0A+
March 31, 2025$655M2.96%5.0A+
December 31, 2024$646M4.34%5.0A+
September 30, 2024$621M4.03%5.0A+
June 30, 2024$616M3.50%5.0A+
March 31, 2024$601M3.55%5.0A+
December 31, 2023$580M5.04%5.0A+
September 30, 2023$584M5.79%5.0A+
June 30, 2023$595M5.07%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 Fort 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 Fort 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 Fort Liberty Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fort Liberty Federal Credit Union
Website https://www.myfortlibertyfcu.org
Address 4172 Hefner Dr, Fort Bragg, NC 28310
Phone 910-487-8200
Fax 910-487-8204
President Karen Elsom
CEO Todd Kenthack
Full-Time Employees 65
Part-Time Employees 0
Branch Locations 5
ATM Locations 5
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
2.42%
Return on Assets (ROA)
0.4220%
Return on Equity (ROE)
3.3909%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
682,801,340
Total Amount of Shares and Deposits
594,209,751
Total Shares and Deposits < 1 Year
574,470,969
Total Shares and Deposits 1 3 Years
15,424,278
Total Shares and Deposits > 3 Years
4,314,504
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,071,653
Total Uninsured Shares and Deposits > $250K (F+J)
52,071,653
Total Insured Shares and Deposits > $250K (item 17 less item K)
542,138,098
Total Interest Expense (Sum of items 6 8)
2,126,432
Share Certificates
2,973
Number of Accounts for Share Drafts
14,428
IRA KEOGH Accounts
966
Number of Accounts for Regular Shares
36,273
Money Market Shares
1,562
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)
120,968,900
Total Liabilities
599,267,765
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Fort 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.

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 — no need to download or upload anything.

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

Customer Reviews

There are no reviews for Fort Liberty Federal Credit Union yet. Feel free to create one below.
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Average Rating
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Total Reviews
0
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Frequently Asked Questions About Fort Liberty Federal Credit Union

How many branches does Fort Liberty Federal Credit Union operate?

Fort 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 Fort Liberty Federal Credit Union?

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

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

Most modern institutions like Fort 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.myfortlibertyfcu.org.

Current Fort Liberty Federal Credit Union Rates

  • MMA3.00%
Retrieved from our database of financial products. Rates subject to change.

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