Personal Banking

Auto Loans - All loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, collateral and loan to value. Terms of Repayment Example for Secured Loans: A $15,000 loan with a 48- month term at 6.99% APR equals a $360.00 monthly payment.

All home loans are subject to credit application, qualification and approval. Must qualify for membership upon approval. Rates are subject to change and are based on credit history, term and loan- to-value (LTV) ratio. Escrow accounts are mandatory for new home loans located within designated flood zones, secondary loans and portfolio home loans exceeding 90% LTV. 

Information displayed is accurate as of the effective dates noted on the Loan Rates Charts and is subject to change without notice. Loan pricing may only be locked upon completion of a Home Loan Application and rate lock agreement. Please contact a Home Loan Expert for pricing details. Other restrictions may apply.

Liberty Checking and Liberty Plus Checking are premier, free checking accounts that pay interest on your balance and deliver ATM fee refunds when qualifications are met. Liberty Checking and Liberty Plus Checking are blended rate tier accounts. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. Monthly qualification criteria applies to earn tiered rate. Liberty Checking APY decreases as deposit amount increases. The advertised APY of 3% is calculated based on a balance of $25,000. The APY of 0.25% is calculated based on a balance of $250,000 for the top tier.

When qualifications are met, ATM Fee Refunds of $4.99 or less will automatically be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00+ will be reimbursed if requested; an ATM receipt may be required. The maximum ATM fee refund cap is $25.00 monthly. If there's a month you don't meet the qualifications, there's no penalty and you still have a free checking account that earns a base annual percentage yield. Rate is subject to change without notice. Minimum deposit of $20.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees. 

Qualifications: 
Monthly qualification criteria applies to earned tier rate.

• Have and use a debit card for your Liberty Checking/Liberty Checking Plus Account 
• Have 10 or more debit card purchases post and clear each cycle. Each transaction must be a minimum of $5.00 to qualify. 
• Have at least 1 automatic payment or direct deposit post and clear each cycle. 
• Limit one Liberty Checking account per member. 

Liberty Savings is a free savings account bundled with Liberty Plus Checking that pays interest on your balance when Liberty Plus Checking qualifications are met. The high-interest rates apply to balances of $0.01 or more, when qualifications are met. If there’s a month you don’t meet the qualifications, there’s no penalty and you still have a free savings account that earns a base annual percentage yield. Liberty Plus Savings Account is a blended rate tier account. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. For example, on a $500,000 balance, you will earn a rate of 3.05% on the first $99,999.99, 3.15% on the next $149,999.99, and 3.25% on the next $250,000.02. The blended APY of 3.25% is calculated based on a balance of $500,000. Rate is subject to change without notice. Minimum deposit of $500.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings.  Click here for a list of fees.