We seek to offer the best rate for all your saving and borrowing needs. Before you open an account or accept financing with another institution, call us at (402) 465-1000 to ensure that you receive the best possible account option. We’ll help you compare all terms and determine the best possible account for you.
These tables list our best published rate. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice.
Thirteen (13) Month Certificate of Deposit Special
Thirty-Nine (39) Month Certificate of Deposit Special
$500-$74,999 – 4.75% APY*
$500-$74,999 – 4.50% APY*
$75,000+ – 4.85% APY*
$75,000+ – 4.60% APY*
Auto Loan Special for Model Years 2021 and newer:
37 to 48 Months – 4.99% APR**
49-60 Months – 5.49% APR**
61-72 Months – 5.99% APR**
73-84 Months – 6.49% APR**
EFFECTIVE: March 11, 2024
Please click each product tab below to see corresponding disclaimers.
Current Dividend Rates and Annual Percentage Yields are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts. Share, checking, and money market account dividends are credited and compound monthly unless otherwise noted.
Savings Accounts
Minimum To Open
Minimum Balance to Earn APY*
Dividend Rate
APY*
Savings
$5
$5-$24,999
0.05%
0.05%
$25,000-$49,999
0.05%
0.05%
$50,000+
0.10%
0.10%
Kasasa Saver®**
$5
$0.01+
1.98%
2.00%
All balances if qualifications
are not met
0.05%
0.05%
Wealth Builder Savings***
$5
$5 and over
0.25%
0.25%
IRA Savings
$50.00
$5-$24,999
0.15%
0.15%
$25,000-$49,999
0.25%
0.25%
$50,000+
0.50%
0.50%
Systemic IRA***
$50.00
$0.01 and over
1.14%
1.15%
Health Savings Account
$50.00
$5-$2,499
0.15%
0.15%
$2,500-$24,999
0.25%
0.25%
$25,000+
0.50%
0.50%
*The Annual Percentage Yield (APY) offered is determined at the discretion of the Credit Union and may daily. The APY may change after account is opened. Fees may reduce earnings. **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. ***This account requires an automatic/systematic minimum monthly deposit. Penalty may be imposed for early withdrawal.
Current Dividend Rates and Annual Percentage Yields are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts. Share, checking, and money market account dividends are credited and compound monthly unless otherwise noted.
Checking Accounts
Minimum To Open
Minimum Balance to Earn APY*
Dividend Rate
APY*
Kasasa Cash Level One®**
$50.00
$0.01-$40,000
if qualifications are met
3.20%
3.25%
$40,001+
if qualifications are met
0.15%
0.15%
All balances if qualifications are not met
0.05%
0.05%
Kasasa Cash Level Two®**
$50.00
$0.01-$40,000
if qualifications are met
5.37%
5.50%
$40,001+
if qualifications are met
0.15%
0.15%
All balances if qualifications are not met
0.05%
0.05%
50 Plus Checking**
$50.00
$500+
0.05%
0.05%
Business Plus Checking**
$50.00
$500-$4,999
0.05%
0.05%
$5,000-$24,999
0.10%
0.10%
$25,000+
0.15%
0.15%
Money Market Investment**
$2,500.00
$2,500+
0.10%
0.10%
*Annual Percentage Yield (APY) is determined at the discretion of the Credit Union and may change after the account is opened. The APY may change after account is opened. Fees may reduce earnings. **This account pays dividends based on an Average Daily Balance method. Refer to the Truth in Savings Disclosure for details. ***This account pays dividends based on an Average Daily Balance method. Qualifications apply earn the APY. Review the Kasasa Cash® account and our Truth in Savings Disclosure for more details.
Current Dividend Rates and Annual Percentage Yields are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts. Share certificate and IRA account dividends are credited monthly or at maturity and compound monthly.
Certificates of Deposits & IRAs
Minimum To Open
Minimum Balance to Earn APY*
Dividend Rate
APY*
Three (3) Month
(No IRAs)
$500.00
$500-$24,999
0.05%
0.05%
$25,000-$74,999
0.10%
0.10%
$75,000+
0.15%
0.15%
Six (6) Month
$500.00
$500-$24,999
0.15%
0.15%
$25,000-$74,999
0.15%
0.15%
$75,000+
0.20%
0.20%
Twelve (12) Month
Add-on**
$500.00
$500-$24,999
1.49%
1.50%
$25,000-$74,999
1.49%
1.50%
$75,000+
1.54%
1.55%
Youth/Young Adult
Twelve (12) Month
Add-on**
$100.00
$100-$24,999
1.49%
1.50%
$25,000-$74,999
1.49%
1.50%
$75,000+
1.54%
1.55%
Thirteen (13) Month Special
$500.00
$500-$74,999
4.65%
4.75%
$75,000+
4.75%
4.85%
Eighteen (18) Month
$500.00
$500-$24,999
1.74%
1.75%
$25,000-$74,999
1.74%
1.75%
$75,000+
1.79%
1.80%
Twenty-four (24) Month
$500.00
$500-$24,999
1.93.%
1.95%
$25,000-$74,999
1.93%
1.95%
$75,000+
1.98%
2.00%
Thirty-six (36) Month
$500.00
$500-$24,999
2.08%
2.10%
$25,000-$74,999
2.08%
2.10%
$75,000+
2.13%
2.15%
Thirty-nine (39) Month Special
$500.00
$500-$74,999
4.41%
4.50%
$75,000+
4.51%
4.60%
Forty-eight Month
$500.00
$500-$24,999
2.08%
2.10%
$25,000-$74,999
2.08%
2.10%
$75,000+
2.13%
2.15%
Sixty (60) Month
$500.00
$500-$24,999
2.23%
2.25%
$25,000-$74,999
2.23%
2.25%
$75,000+
2.28%
2.30%
Current rates apply to new CDs and renewals at maturity only. *The Annual Percentage Yield (APY) is based on quarterly compounding. Unless otherwise noted, you must maintain a minimum balance of $500 to open the account and obtain the APY. Penalty for early withdrawal, which may reduce earnings, may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily./em> **The “Add-On” feature of these certificates allow you to “add-on” additional funds during the 12-month term. Deposits earn dividends at the dividend rate declared on the opening or renewal date of the certificate. All deposits made during the 12-month term will mature on the stated maturity date.The Youth/Young Adult Certificate is for Members under 25 years of age. On the first maturity date after reaching 25 years of age, this certificate renews at the regular 12-month Share Certificate rate.
Current Annual Percentage Rates are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts.
Term
APR *
Estimated Payment **
Model Year 2021 and Newer (Secured)
1-12 Months
5.95%
$86.04
13-24 Months
5.95%
$44.30
25-36 Months
5.95%
$30.40
37-48 Months
4.99%
$23.02
49-60 Months ($10,000+)
5.49%
$19.10
61-72 Months ($15,000+)
5.99%
$16.57
73-84 Months ($25,000+)
6.49%
$14.37
Model Year 2017 thru 2020 (Secured)
1-12 Months
6.50%
$86.30
13-24 Months
6.50%
$44.55
25-36 Months
6.75%
$30.76
37-48 Months
6.75%
$23.83
49-60 Months ($10,000+)
6.75%
$19.68
61-72 Months ($15,000+)
7.75%
$17.41
Model Year 2016 and Older (Secured)
1-12 Months
8.00%
$86.99
13-24 Months
8.00%
$45.23
25-36 Months
8.25%
$31.45
37-48 Months
8.25%
$24.53
49-60 Months ($10,000+)
8.25%
$20.40
Share Secured Loans
Call for quote
*Annual Percentage Rate = APR. Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, and the year and mileage of the vehicle (your actual rate may be higher). APR uses the simple interest method, and includes a 1/2% discount for automatic payments from LFCU checking. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval. **Your estimated monthly payment amount is calculated by multiplying the “EST PAYMENT” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category.
Current Annual Percentage Rates are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts.
Term
APR *
Estimated Payment **
48 Months
11.99%
$26.33
49-60 Months
12.99%
$22.75
*Annual Percentage Rate = APR. Rates, terms and conditions are subject to change and may vary based on your credit and term of your loan (your actual rate may be higher). APR uses the simple interest method and includes a 1/2% discount for automatic payments from LFCU checking. All loans are subject to approval. **Your estimated monthly payment amount is calculated by multiplying the “EST PAYMENT” amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category
Current Annual Percentage Rates are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts.
MasterCard® Credit Card
Rates
Rates as low as 9.99% APR *
Annual Fee
$0.00
Grace Period for Purchases
25 Days
Method of Computing Balances
Average Daily Balance
Late Payment Fee
$25.00
Over the Limit Fee
$25.00
Cash Advance Fee
none
Balance Transfer Fee
none
*The MasterCard® APR (Annual Percentage Rate) for purchases listed above is effective on 06-01-2023. A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement. Rates and terms are subject to change. There is no balance transfer fee.
Current Annual Percentage Rates are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts.
Program
Term
APR *
Est. Payment **
Fixed, 80% Loan to Value
1-5 Years
6.50%
$19.57
Fixed, 80% Loan to Value
6-10 Years
7.50%
$11.87
Fixed, up to 100% Loan to Value
Call For Details
Adjustable, up to 100% Loan to Value Call for Details
Call For Details
*Annual Percentage Rate (APR). All rates listed are our best rates and are simple interest. Your rate may be higher based on your credit bureau score and credit history. Depending on score and history, a 1% Origination Fee may apply. Add 1% to investment properties. Mortgage Rates are determined by many economic factors and tend to change frequently. **To calculate your estimated monthly payment amount per $1,000 borrowed, multiply the “EST PAYMENT” times the amount borrowed divided by 1,000). The estimated payment is for the maximum term in each category.
Annual Percentage Rate (APR). All mortgage rates and terms shown in the calculator below are subject to final underwriting approval. Rates are deemed reliable but not guaranteed and determined by many economic factors and can be changed frequently. Qualification for loan products or rates are subject to approval and may change.
*The Annual Percentage Yield (APY) is based on quarterly compounding. 13-month Special Rate applies to new CDs and renewals at maturity only. You must maintain a minimum balance of $500 to open the account and obtain the APY. Penalty for early withdrawal, which may reduce earnings, may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily.
**APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, and the year and mileage of the vehicle. All loans subject to approval. Rates available for model years 2021 or newer with clean title. Includes Discount of 0.50% APR for automatic loan payments from a Liberty First Credit Union account. Borrowers lose Discount if they fail to meet qualifications during the loan term. Rate is not available for loans already financed at LFCU. 48-month estimated monthly payment $23.02 per $1,000.00 borrowed, 60-month estimated monthly payment $19.10 per $1,000 borrowed, 72-month estimated monthly payment $16.57 per $1,000 borrowed, 84-month estimated monthly payment $14.84 per $1,000 borrowed.
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