What are the current interest rates at Liberty First Credit Union?

Current rates for Liberty First Credit Union include: Savings: 2.00%, MMA: 0.10%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Liberty First Credit Union

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Liberty First Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Liberty First Credit Union's top rates as of October 9, 2026 are 2.00% APY on savings, 0.10% APY on money market accounts, 0.15% APY on checking, and personal loans from 7.49% APR, according to rates verified by MonitorBankRates. 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 3.58%. Rates last updated and verified on 10/09/2026.

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.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Liberty First Credit Union
Main

501 N 46th St
Lincoln, NE 68503-3718

https://www.libertyfirstcu.com

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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.

Liberty First Credit Union Savings Rates

Product	Rate	APY
Liberty+ Savings	1.98%	2.00%
Min Deposit $5 Min Balance $0 Details Balance: $0.01+; Qualifications Required; All balances if account qualifications are not met Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Health Savings Account	0.50%	0.50%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
IRA Savings	0.50%	0.50%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Savings	-	0.50%
Details The Annual Percentage Yield (APY) based on an Average Daily Balance method. Dividends are paid to the nearest whole $0.01 (cent). Refer to the Truth in Savings Disclosure for details. Qualifications apply. Review the Liberty+ Savings account for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.05% → 0.50% ▲ 0.45 pts · high 0.50% / low 0.05% Oct 9, 20260.50%▲ from 0.05% Sep 18, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Health Savings Account	0.25%	0.25%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
IRA Savings	0.25%	0.25%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Wealth Builder Savings	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Balance: $5 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Health Savings Account	0.15%	0.15%
Min Deposit $50 Min Balance $5 Details Balance: $5-$2,499 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
IRA Savings	0.15%	0.15%
Min Deposit $50 Min Balance $5 Details Balance: $5-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Savings	0.10%	0.10%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Savings	0.05%	0.05%
Min Deposit $5 Details All balances if account qualifications are not met Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Savings	0.05%	0.05%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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 Details Balance: $2,500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Liberty First Credit Union Checking Rates

Product	Rate	APY	View More
50 Plus Checking	0.05%	0.05%
Min Deposit $50 Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Liberty First Credit Union Business Checking Rates

Product	Rate	APY
Business Plus Checking	0.15%	0.15%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Business Plus Checking	0.10%	0.10%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Business Plus Checking	0.05%	0.05%
Min Deposit $50 Min Balance $500 Details Balance: $500 - $4,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Liberty First Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed, 80% Loan to Value	-	-	5.75%	1-5 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Equity Fixed, 80% Loan to Value	-	-	6.25%	6-10 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Liberty First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special	-	-	3.49%	up to 36 months
Details Rates as low as 3.49%** for up to 36 months on 2022 and newer models Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	4.74%	-	4.74%	1-12 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	4.74%	-	4.74%	13-24 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	4.74%	-	4.74%	25-36 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	4.74%	-	4.74%	37-48 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	4.99%	-	4.99%	49-60 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	5.25%	-	5.25%	1-12 Months
Details Model Year 2019 - 2022 (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	5.25%	-	5.25%	13-24 Months
Details Model Year 2019 - 2022 (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	5.49%	-	5.49%	61-72 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	5.49%	-	5.49%	49-60 Months
Details Model Year 2019 - 2022 (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	5.49%	-	5.49%	25-36 Months
Details Model Year 2019 - 2022 (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	5.49%	-	5.49%	37-48 Months
Details Model Year 2019 - 2022 (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.24%	-	6.24%	73-84 Months
Details Model Year 2023 and Newer (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.49%	-	6.49%	61-72 Months
Details Model Year 2019 - 2022 (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.50%	-	6.50%	1-12 Months
Details Model Year 2018 and Older (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.50%	-	6.50%	13-24 Months
Details Model Year 2018 and Older (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.75%	-	6.75%	49-60 Months
Details Model Year 2018 and Older (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.75%	-	6.75%	25-36 Months
Details Model Year 2018 and Older (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Auto Loan	6.75%	-	6.75%	37-48 Months
Details Model Year 2018 and Older (Secured) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Liberty First Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	7.49%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Personal Loans	8.49%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Personal Loans	9.49%	49-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Liberty First Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Loans	-	-	7.74%
Details As low as; Contact Us For Details Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.23% → 7.74% ▲ 0.51 pts · high 7.86% / low 7.23% Oct 2, 20267.74%▼ from 7.86% Sep 29, 20267.86%▲ from 7.23% Sep 14, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Eighteen (18) Month	1.74%	-	1.75%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 1.98%; APY with Liberty+ Relationship Rate: 2.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.80% → 1.75% ▼ 0.05 pts · high 1.80% / low 1.75% Sep 18, 20261.75%▼ from 1.80% Sep 14, 20261.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Eighteen (18) Month	1.74%	-	1.75%	18 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 1.98%; APY with Liberty+ Relationship Rate: 2.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.80% → 1.75% ▼ 0.05 pts · high 1.80% / low 1.75% Sep 18, 20261.75%▼ from 1.80% Sep 14, 20261.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Eighteen (18) Month	1.79%	-	1.80%	18 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 2.03%; APY with Liberty+ Relationship Rate: 2.05% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Forty-eight Month	2.08%	-	2.10%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 2.33%; APY with Liberty+ Relationship Rate: 2.35% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.15% → 2.10% ▼ 0.05 pts · high 2.15% / low 2.10% Sep 18, 20262.10%▼ from 2.15% Sep 14, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Forty-eight Month	2.08%	-	2.10%	48 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 2.33%; APY with Liberty+ Relationship Rate: 2.35% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.15% → 2.10% ▼ 0.05 pts · high 2.15% / low 2.10% Sep 18, 20262.10%▼ from 2.15% Sep 14, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Forty-eight Month	2.13%	-	2.15%	48 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 2.37%; APY with Liberty+ Relationship Rate: 2.40% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Cash Level One Checking	2.47%	-	2.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: qualifications are met; Balance: $0.01-$40,000 if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Cash Level One Checking	0.15%	-	0.15%
Min Deposit $50 Min Balance $40,001 Details Qualifications Required: qualifications are met; Balance: $40,001+ if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Cash Level One Checking	0.05%	-	0.05%
Min Deposit $50 Details Qualifications Required: qualifications are not met; All balances if qualifications are not met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Cash Level Two Checking	4.41%	-	4.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: qualifications are met; Balance: $0.01-$40,000 if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Cash Level Two Checking	0.15%	-	0.15%
Min Deposit $50 Min Balance $40,001 Details Qualifications Required: qualifications are met; Balance: $40,001+ if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Cash Level Two Checking	0.05%	-	0.05%
Min Deposit $50 Details Qualifications Required: qualifications are not met; All balances if qualifications are not met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Saver Savings	1.98%	-	2.00%
Min Deposit $5 Min Balance $0 Details Balance: $0.01+; Qualifications Required; All balances if account qualifications are not met Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Saver Savings	0.05%	-	0.05%
Min Deposit $5 Details All balances if account qualifications are not met Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Kasasa Saver Savings	-	-	0.50%
Details The Annual Percentage Yield (APY) based on an Average Daily Balance method. Dividends are paid to the nearest whole $0.01 (cent). Refer to the Truth in Savings Disclosure for details. Qualifications apply. Review the Kasasa Saver account for more details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.05% → 0.50% ▲ 0.45 pts · high 0.50% / low 0.05% Oct 9, 20260.50%▲ from 0.05% Sep 18, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Gold+ Level	4.89%	-	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required: qualifications are met; Balance: $0.01-$40,000 if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Gold+ Level	0.15%	-	0.15%
Min Deposit $50 Min Balance $40,001 Details Qualifications Required: qualifications are met; Balance: $40,001+ if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Platinum+ Level	5.37%	-	5.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: qualifications are met; Balance: $0.01-$40,000 if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Platinum+ Level	0.15%	-	0.15%
Min Deposit $50 Min Balance $40,001 Details Qualifications Required: qualifications are met; Balance: $40,001+ if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Silver+ Level	4.41%	-	4.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: qualifications are met; Balance: $0.01-$40,000 if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Liberty+ Silver+ Level	0.15%	-	0.15%
Min Deposit $50 Min Balance $40,001 Details Qualifications Required: qualifications are met; Balance: $40,001+ if qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Six (6) Month	0.15%	-	0.15%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 0.40%; APY with Liberty+ Relationship Rate: 0.40% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15% Sep 18, 20260.15%▼ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Six (6) Month	0.15%	-	0.15%	6 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 0.40%; APY with Liberty+ Relationship Rate: 0.40% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15% Sep 18, 20260.15%▼ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Six (6) Month	0.20%	-	0.20%	6 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 0.45%; APY with Liberty+ Relationship Rate: 0.45% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Sixty (60) Month	2.23%	-	2.25%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 2.47%; APY with Liberty+ Relationship Rate: 2.50% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.25% ▼ 0.05 pts · high 2.30% / low 2.25% Sep 18, 20262.25%▼ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Sixty (60) Month	2.23%	-	2.25%	60 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 2.47%; APY with Liberty+ Relationship Rate: 2.50% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.25% ▼ 0.05 pts · high 2.30% / low 2.25% Sep 18, 20262.25%▼ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Sixty (60) Month	2.28%	-	2.30%	60 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 2.52%; APY with Liberty+ Relationship Rate: 2.55% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Systemic IRA	1.14%	-	1.15%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirteen (13) Month Special	3.69%	-	3.75%	13 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$74,999; Dividend Rate with Liberty+ Relationship Rate: 3.93%; APY with Liberty+ Relationship Rate: 4.00% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirteen (13) Month Special	3.78%	-	3.85%	13 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 4.02%; APY with Liberty+ Relationship Rate: 4.10% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirty-nine (39) Month Special	3.35%	-	3.40%	39 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$74,999; Dividend Rate with Liberty+ Relationship Rate: 3.59%; APY with Liberty+ Relationship Rate: 3.65% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirty-nine (39) Month Special	3.45%	-	3.50%	39 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 3.69%; APY with Liberty+ Relationship Rate: 3.75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirty-six (36) Month	2.08%	-	2.10%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 2.33%; APY with Liberty+ Relationship Rate: 2.35% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirty-six (36) Month	2.08%	-	2.10%	36 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 2.33%; APY with Liberty+ Relationship Rate: 2.35% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Thirty-six (36) Month	2.13%	-	2.15%	36 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 2.37%; APY with Liberty+ Relationship Rate: 2.40% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Three (3) Month	0.05%	-	0.05%	3 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 0.30%; APY with Liberty+ Relationship Rate: 0.30% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Three (3) Month	0.10%	-	0.10%	3 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 0.30%; APY with Liberty+ Relationship Rate: 0.35% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Three (3) Month	0.15%	-	0.15%	3 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 0.40%; APY with Liberty+ Relationship Rate: 0.40% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Twelve (12) Month Add-on	1.49%	-	1.50%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 1.74%; APY with Liberty+ Relationship Rate: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Twelve (12) Month Add-on	1.49%	-	1.50%	12 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 1.74%; APY with Liberty+ Relationship Rate: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Twelve (12) Month Add-on	1.54%	-	1.55%	12 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 1.79%; APY with Liberty+ Relationship Rate: 1.80% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Twenty-four (24) Month	1.93%	-	1.95%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999; Dividend Rate with Liberty+ Relationship Rate: 2.18%; APY with Liberty+ Relationship Rate: 2.20% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Twenty-four (24) Month	1.93%	-	1.95%	24 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 2.18%; APY with Liberty+ Relationship Rate: 2.20% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Twenty-four (24) Month	1.98%	-	2.00%	24 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 2.23%; APY with Liberty+ Relationship Rate: 2.25% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth/Young Adult Twelve (12) Month Add-on	1.49%	-	1.50%	12 months
Min Deposit $100 Min Balance $100 Details Balance: $100-$24,999; Dividend Rate with Liberty+ Relationship Rate: 1.74%; APY with Liberty+ Relationship Rate: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth/Young Adult Twelve (12) Month Add-on	1.49%	-	1.50%	12 months
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000-$74,999; Dividend Rate with Liberty+ Relationship Rate: 1.74%; APY with Liberty+ Relationship Rate: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth/Young Adult Twelve (12) Month Add-on	1.54%	-	1.55%	12 months
Min Deposit $100 Min Balance $75,000 Details Balance: $75,000+; Dividend Rate with Liberty+ Relationship Rate: 1.79%; APY with Liberty+ Relationship Rate: 1.80% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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

Liberty First Credit Union’s Texas Ratio fell from 5.22% in Q3 2023 to 3.58% in Q2 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; 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	$523M	3.58%	5.0	A+
March 31, 2026	$512M	2.48%	5.0	A+
December 31, 2025	$515M	3.81%	5.0	A+
September 30, 2025	$507M	6.97%	5.0	A
June 30, 2025	$510M	6.89%	5.0	A
March 31, 2025	$499M	6.40%	5.0	A
December 31, 2024	$485M	8.96%	5.0	A
September 30, 2024	$479M	7.84%	5.0	A
June 30, 2024	$468M	9.10%	5.0	A
March 31, 2024	$467M	4.36%	5.0	A+
December 31, 2023	$452M	3.83%	5.0	A+
September 30, 2023	$449M	5.22%	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 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

Website https://www.libertyfirstcu.com

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 91

Part-Time Employees 11

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.58%

Return on Assets (ROA)

0.8770%

Return on Equity (ROE)

5.8166%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

523,363,059

Total Amount of Shares and Deposits

437,205,891

Total Shares and Deposits < 1 Year

357,427,210

Total Shares and Deposits 1 3 Years

63,105,951

Total Shares and Deposits > 3 Years

16,672,729

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

9,427,608

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

9,427,608

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

427,778,283

Total Interest Expense (Sum of items 6 8)

4,713,745

Share Certificates

2,147

Number of Accounts for Share Drafts

21,998

IRA KEOGH Accounts

680

Number of Accounts for Regular Shares

41,333

All other shares

187

Non Member Deposits

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)

90,412,499

Total Liabilities

444,454,693

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Liberty First Credit Union earned the Verified Healthy badge

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Liberty First Credit Union

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

Savings2.00%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Liberty First Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Liberty First Credit Union Texas Ratio

Liberty First Credit Union Health Trend

Liberty First Credit Union Savings Rates

Liberty First Credit Union Money Market Rates

Liberty First Credit Union Checking Rates

Liberty First Credit Union Business Checking Rates

Liberty First Credit Union Home Equity & HELOC

Liberty First Credit Union Auto Loan Rates

Liberty First Credit Union Personal Loan Rates

Liberty First Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Liberty First Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Liberty First Credit Union

How many branches does Liberty First Credit Union operate?

Is a member application needed to join Liberty First Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Liberty First Credit Union offer online and mobile banking?

Current Liberty First Credit Union Rates

Compare to Other Credit Unions