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No balance transfer fees

and an easy-to-use balance transfer application

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0% on balance transfers

for the first six months after you've opened your card

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Intro rate of 1.99% APY

on new purchases for the first six months

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15+ monthly debit card purchases
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1+ online or mobile banking login
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1+ direct deposit into the account
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Electronic statement enrollment
Take the first step toward your new home. Apply today!
Plus, you'll love our app!
RATED
4.8
STARS
4.8 gold stars on a blue background.
More than 10,000
app reviews
“Liberty’s mobile app is the best.”
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I have accounts with three other institutions. Between the four different banks and credit unions I have, Liberty's mobile app is the best. I have an account with ONB who seemingly uses the same app service. However, annoyingly, their app does not offer the same range of services available through Liberty's.

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Jordan F. Conaway
10/4/2022
“Liberty’s mobile app is the best.”
five stars icon

I have accounts with three other institutions. Between the four different banks and credit unions I have, Liberty's mobile app is the best. I have an account with ONB who seemingly uses the same app service. However, annoyingly, their app does not offer the same range of services available through Liberty's.

An outline of a person.
Jordan F. Conaway
10/4/2022
“Liberty’s mobile app is the best.”
five stars icon

I have accounts with three other institutions. Between the four different banks and credit unions I have, Liberty's mobile app is the best. I have an account with ONB who seemingly uses the same app service. However, annoyingly, their app does not offer the same range of services available through Liberty's.

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Jordan F. Conaway
10/4/2022
“All I need is at my fingertips!”
five stars icon

The app is very user-friendly and it also all information that I will need. I am able to pay my bills, transfer money, and update all information on my app. Last week, I was looking at my credit score and viewing ways to help improve it. All I need is at my fingertips!

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Hailey Like
8/14/2021
“Instant access to all of your accounts.”
five stars icon

Super easy to use and instant access to all of your accounts in a matter of seconds. I can’t say enough great things about Liberty FCU. They’re great people!

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SSBF2017
7/26/2022
“Never used a better financial tool."
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Simple, intuitive, accessible, powerful. I have never used a better financial tool. Well done!

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Mr. Huffman
8/20/2021
“Great job, keep it up.”
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I started in banking in 1965 and retired from banking in 2010. I see Liberty as a bank of old in respect to its attention to their customers, the friendly attention they give you, and the respect. However, they are a modern day bank with all the services you can get from the big BANKS, with the old timey small bank attention. GREAT JOB, KEEP IT UP.

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Boggy G. Spears
11/9/2022
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CHECKING
America's BEST
high-yield checking
account

Our FREE Vertical Checking offers a high interest rate of 3.45% APY—plus reimbursement up to $15 per month for usage fees when you use any other ATM worldwide. This popular account has been recognized nationally by Newsweek, Investopedia, and Kiplinger’s Personal Finance.

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MORTGAGE
Your local
mortgage experts

Our Mortgage Services offer competitive rates and flexible terms to help you achieve your homeownership dreams. With low closing costs and a streamlined application process, securing your new home has never been easier.

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learn More
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AUTO LOANS
Low rates and
flexible terms

Our Auto Loans feature low rates and flexible terms for both new and used vehicles. Enjoy quick approvals and no prepayment penalties, making it simple and affordable to get on the road,

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Open your account and start earning more today
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Other Popular Features

External Transfers
Move money to your account from any other financial institution- without a fee.
External Transfers
Move money to your account from any other financial institution- without a fee.
Free ATMs anywhere
Use any other bank’s ATM worldwide and we’ll reimburse the fee.
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A woman is using a bank machine to get cash.
A woman holding a piece of paper and money.
A woman is using a bank machine to get cash.
Free ATMs anywhere
Use any other bank’s ATM worldwide and we’ll reimburse the fee.
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Platinum Credit Rewards

With every purchase, you'll earn valuable rewards points. Redeem for travel, gift cards, brand-name merchandise, and more!

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Rates as low as 13.50% APR
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Local service and no annual fee
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Rates as low as 13.50% APR
A green checkmark with a blue outline.
Rates as low as 13.50% APR
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3x
POINTS
Travel & Entertainment
Rotates Quarterly
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2x
POINTS
Gas & Groceries
All year long
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1x
POINTS
All Purchases
One point per dollar
Professional Services Offered

Annuities

Secure a steady income stream for retirement with customized annuities.

Education Funding

Plan for your child's future with strategic education funding options.

Estate Conservation

Preserve your legacy with strategic estate conservation planning.

Insurance

Comprehensive insurance solutions to safeguard your assets and peace of mind.

Long-Term Care Insurance

Ensure quality care in your later years with long-term care insurance.

Life Insurance

Protect your loved ones' future with comprehensive life insurance coverage.

Wealth Management

Maximize your financial potential with personalized wealth management services.

Individual Retirement Accounts

Secure your future with tax-advantaged IRAs, offering traditional and Roth options.

401K/Pension Rollover Services

Seamlessly rollover your 401K or pension to maintain your retirement savings.

Retirement Planning

Create a secure retirement with tailored strategies to meet your financial goals.

Enjoy low rates and flexible terms on your auto loan

Members receive a 1/4% APR discount with select checking accounts

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Wide variety of loans for new and used vehicles

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You'll always receive a competitive rate- with no application fee

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No down payment is required. Taxes and fees can be incorporated into the loan balance.

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Ask for your free CARFAX report when you finance a used vehicle

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Apply from anywhere with Liberty FCU's mobile loan application

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Pay bills in our free payment center

Available for first-time home buyers with only 3% down
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This mortgage solution helps first-time home buyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions. Homebuyer education is required for purchase transactions when all borrowers are first-time homebuyers.
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Available to first-time homebuyers
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30-year fixed rate
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Requires a low down payment of 3%
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No income restrictions
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Available to first-time homebuyers
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Available to first-time homebuyers
Take the first step toward your new home. Apply today!
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Platinum Prime Plus
Liberty FCU’s Prime Plus credit card offers our guaranteed lowest rate instead of rewards!
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Rates as low as 11.50% APR
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Local service and no annual fee
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Download the Liberty FCU App
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Scan to download
Liberty FCU Mobile
Learn More
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A gold and blue award for America's Best Banks, Newsweek.
Vertical Checking

This popular account offers a high interest rate of 3.45%APY!

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Cutting-edge online and mobile banking
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Free ATMs anywhere worldwide
Download Liberty FCU Mobile today!
QR code to download the mobile app.
Scan to download
Learn More
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3x
POINTS
Bill Payments
January-March
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3x
POINTS
Home Improvements
April-June
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3x
POINTS
Travel & Entertainment
July-September
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3x
POINTS
Restaurants
October-December
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Transfer your Debt