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Deposit and Loan Rates
Deposits and Loan Rates
Rates for your financial plan
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 and are subject to change without notice.
Up to 36 Month Auto Loan with Liberty+ Relationship Rates
49-60 Month Auto Loan with Liberty+ Relationship Rates
2.99%** for 2022 and newer models
4.25%** for 2022 and newer models
No Payments for up to 90 days**
No Payments for up to 90 days**
Thirteen (13) Month Certificate of Deposit Special with Liberty+ Relationship Rates
Thirty-Nine (39) Month Certificate of Deposit Special with Liberty+ Relationship Rates
$500-$74,999 – 4.00 APY*
$500-$74,999 – 3.65% APY*
$75,000+ – 4.10% APY*
$75,000+ – 3.75% APY*
EFFECTIVE: February 26, 2026
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 account qualifications
are not met
0.05%
0.05%
Liberty+ Savings***
$5
$0.01+
1.98%
2.00%
All balances if account 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. ***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. ****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*
Liberty+ Silver+ Level ****
$50.00
$0.01-$40,000
if qualifications are met
4.41%
4.50%
$40,001+
if qualifications are met
0.15%
0.15%
Liberty+ Gold+ Level ****
$50.00
$0.01-$40,000
if qualifications are met
4.89%
5.00%
$40,001+
if qualifications are met
0.15%
0.15%
Liberty+ Platinum+ Level ****
$50.00
$0.01-$40,000
if qualifications are met
5.37%
5.50%
$40,001+
if qualifications are met
0.15%
0.15%
Kasasa Cash Level One®***
$50.00
$0.01-$40,000
if qualifications are met
2.47%
2.50%
$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
4.41%
4.50%
$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 a Average Daily Balance method. Refer to the Truth in Savings Disclosure for details. ***This account pays dividends based on a Daily Balance method. Qualifications apply earn the APY. Review the Kasasa Cash® account and our Truth in Savings Disclosure for more details. ****This account pays dividends based on a Daily Balance method. Qualifications apply earn the APY. Review the Liberty+ 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*
Dividend Rate with Liberty+ Relationship Rate
APY*** with Liberty+ Relationship Rate
Three (3) Month
(No IRAs)
$500.00
$500-$24,999
0.05%
0.05%
0.30%
0.30%
$25,000-$74,999
0.10%
0.10%
0.30%
0.35%
$75,000+
0.15%
0.15%
0.40%
0.40%
Six (6) Month
$500.00
$500-$24,999
0.15%
0.15%
0.40%
0.40%
$25,000-$74,999
0.15%
0.15%
0.40%
0.40%
$75,000+
0.20%
0.20%
0.45%
0.45%
Twelve (12) Month
Add-on**
$500.00
$500-$24,999
1.49%
1.50%
1.74%
1.75%
$25,000-$74,999
1.49%
1.50%
1.74%
1.75%
$75,000+
1.54%
1.55%
1.79%
1.80%
Youth/Young Adult
Twelve (12) Month
Add-on**
$100.00
$100-$24,999
1.49%
1.50%
1.74%
1.75%
$25,000-$74,999
1.49%
1.50%
1.74%
1.75%
$75,000+
1.54%
1.55%
1.79%
1.80%
Thirteen (13) Month Special
$500.00
$500-$74,999
3.69%
3.75%
3.93%
4.00%
$75,000+
3.78%
3.85%
4.02%
4.10%
Eighteen (18) Month
$500.00
$500-$24,999
1.74%
1.75%
1.98%
2.00%
$25,000-$74,999
1.74%
1.75%
1.98%
2.00%
$75,000+
1.79%
1.80%
2.03%
2.05%
Twenty-four (24) Month
$500.00
$500-$24,999
1.93.%
1.95%
2.18%
2.20%
$25,000-$74,999
1.93%
1.95%
2.18%
2.20%
$75,000+
1.98%
2.00%
2.23%
2.25%
Thirty-six (36) Month
$500.00
$500-$24,999
2.08%
2.10%
2.33%
2.35%
$25,000-$74,999
2.08%
2.10%
2.33%
2.35%
$75,000+
2.13%
2.15%
2.37%
2.40%
Thirty-nine (39) Month Special
$500.00
$500-$74,999
3.35%
3.40%
3.59%
3.65%
$75,000+
3.45%
3.50%
3.69%
3.75%
Forty-eight Month
$500.00
$500-$24,999
2.08%
2.10%
2.33%
2.35%
$25,000-$74,999
2.08%
2.10%
2.33%
2.35%
$75,000+
2.13%
2.15%
2.37%
2.40%
Sixty (60) Month
$500.00
$500-$24,999
2.23%
2.25%
2.47%
2.50%
$25,000-$74,999
2.23%
2.25%
2.47%
2.50%
$75,000+
2.28%
2.30%
2.52%
2.55%
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. ****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. A qualifying Liberty+ Checking Account is required to receive listed 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>
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
Rate *
Estimated Payment **
Model Year 2022 and Newer (Secured)
1-12 Months
2.99%
$84.69
13-24 Months
2.99%
$42.98
25-36 Months
2.99%
$29.08
37-48 Months
3.99%
$22.57
49-60 Months ($10,000+)
4.25%
$18.53
61-72 Months ($15,000+)
4.75%
$15.99
73-84 Months ($25,000+)
5.49%
$14.37
Model Year 2019 – 2021 (Secured)
1-12 Months
5.25%
$85.95
13-24 Months
5.25%
$44.21
25-36 Months
5.49%
$30.42
37-48 Months
5.49%
$23.49
49-60 Months ($10,000+)
5.49%
$19.33
61-72 Months ($15,000+)
6.49%
$17.05
Model Year 2018 and Older (Secured)
1-12 Months
6.50%
$86.64
13-24 Months
6.50%
$45.89
25-36 Months
6.75%
$31.11
37-48 Months
6.75%
$24.18
49-60 Months ($10,000+)
6.75%
$20.04
Share Secured Loans
Call for quote
*Rates effective 2/25/26. Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, the year and mileage of the vehicle (your actual rate may be higher), and type of qualifying Liberty First checking account you have. The rate uses the simple interest method. Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. 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. Rates for 2022 and newer are for vehicles with a clean title and are not valid on existing LFCU loans unless the new loan amount increases by more than 50%. **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
Rate *
Estimated Payment **
36 Months
7.49%
$31.10
48 Months
8.49%
$24.64
49-60 Months
9.49%
$21.00
*Annual Percentage Rate = APR. Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan (your actual rate may be higher), and type of qualifying Liberty First Credit Union checking account you may have. APR uses the simple interest method. Published rates included 0.50% rate discount for Liberty+ checking account holders. 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 03-27-2025. 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
5.75%
$19.22
Fixed, 80% Loan to Value
6-10 Years
6.25%
$11.23
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 include a 0.50% discount for our qualifying Liberty+ Checking account holders. Rates are simple interest. Your rate may be higher based on your credit bureau score, credit history, and Liberty First Credit Union checking account type. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Contact Liberty First Credit Union for more information and up to date rates. 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. Listed APY includes qualifying Liberty+ Relationship Rate bonus. 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. The actual APR will be determined at loan disbursement and will be based on credit history, loan term, and vehicle details. The APR will differ from the rate. Rates effective 1/23/26 and subject to change without notice. All loans are subject to approval. Offer applies to model years 2022 or newer with clean titles and up to 36 month terms. Rate includes a 0.50% APR discount for qualified Liberty+ Checking Account holders. Not valid on existing LFCU loans unless the new loan amount increases by more than 50%. Example of monthly payment at 2.99% APR: $29.08 per $1,000 borrowed for 36 months. You may defer your first payment for up to 90 days from loan closing; however, interest begins accruing at disbursement and continues throughout the deferral period. Accrued Interest will be included in the total repayment amount and is not waived or added to the principal.
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