See how much you can earn
Start Earning
Free ATMs anywhere
Use any other bank’s ATM worldwide, and we’ll reimburse the fee!
A person holding a stack of money in front of a bank machine.
A woman is using a bank machine to get cash.
Black SUV driving through forested area.
A large house with a brown roof and a garage.
Loan rate discounts
With a Vertical Checking account, you’re eligible for discounts on select loan rates.
A blue circle with 1/8% APR written in white.
discount on
Mortgage Loans
A blue circle with 1/4% APR written in white.
discount on
Auto Loans
Open your account today in as little as 5 minutes
Plus, you'll love our app!
RATED
4.8
STARS
4.8 gold stars on a blue background.
More than 10,000
app reviews
Always easy to navigate… and staff go above and beyond.
five stars icon

Always easy to navigate...when I need help your staff are helpful and full of knowledge. If they can't help me, they get me someone who can.

An outline of a person.
Kathleen Preuss
10/4/2025
Always easy to navigate… and staff go above and beyond.
five stars icon

Always easy to navigate...when I need help your staff are helpful and full of knowledge. If they can't help me, they get me someone who can.

An outline of a person.
Kathleen Preuss
10/4/2025
Always easy to navigate… and staff go above and beyond.
five stars icon

Always easy to navigate...when I need help your staff are helpful and full of knowledge. If they can't help me, they get me someone who can.

An outline of a person.
Kathleen Preuss
10/4/2025
Been with Liberty for 27 years—plan on staying 27 more!
five stars icon

Been with Liberty/ETFCU for 27yrs and plan on staying for 27 more if I get lucky to live that long! Never had an issue with them and when I had an issue happen from my end it was always fixed in a short amount of time. Couldn’t ask for more!

An outline of a person.
Nightshifter999
8/26/2025
I have been using Liberty FCU since I was in high school…
five stars icon

I have been using Liberty FCU since I was in high school (although it was called Evansville Teachers FCU back then). I am now 78 & continue to enjoy their highly competent and caring service.

An outline of a person.
R&R4Health
2/13/2025
Someone always helps me when I have questions.
five stars icon

When I have questions or need help there is someone to help me and answer any questions I might have. Thank You.

An outline of a person.
Ernest Hash
3/28/2025
An exceptional app that lets me do everything from home.
five stars icon

An exceptional app that does what we need to do from home. I love our credit union staff members when I need those services, but for most everything else, I use the app! Why go anywhere else for bank needs? Thank you Liberty FCU.

An outline of a person.
Greg Peters
6/13/2025
So easy and convenient—truly a game changer.
five stars icon

So easy and convenient! Didn't want to trust new technology, but boy is it a game changer. I can keep track of my accounts all at once, with just a glance. Transfers are so quick and easy. Customer service is beyond helpful!

An outline of a person.
Sandy Evans
5/16/2024

Qualification is easy

Just meet 4 simple monthly requirements

A man in a suit holding a card in front of a woman.
15+ monthly debit card purchases
A woman in a yellow jacket is sitting at a desk with a laptop, calculator, and papers.
1+ online or mobile banking login
A woman wearing a yellow hard hat and a green vest.
1+ direct deposit into the account
A woman holding a cell phone and a book.
Electronic statement enrollment
Vertical Checking Receives National Acclaim
Best Checking Account for Debit Users, Best Credit Union for Checking
A logo for the Forbes magazine.
Best-in-State Banks & Credit Unions
A black and white logo for Kipplingers Personal Finance.
Nation's Top Checking Account
America's Best High-Yield Checking
A person holding a cell phone and a credit card.
Open your account and start earning more today
Open your account and start earning more today

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.

3.50% APY dividend will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing.
Annual Percentage Yield accurate as of January 1, 2025. Rate subject to change. Monthly earnings based on a 365 day year. Fees or other conditions could reduce earnings on the account. Minimum $25 required to open. Contact an employee for further information about applicable terms and fees. Applicable on balances up to $20,000. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day.

Must meet account requirements to receive ATM fee reimbursement. ATM withdrawal must be from the qualifying Vertical or Platinum Rewards Checking account. ATM fee reimbursement limited to $15 per account per month. Fees reimbursed based on transaction details obtained by the ATM provider.

1/8% APR off your mortgage when you set your mortgage loan payments to be automatically paid from your Liberty FCU checking account.

1/4% APR off any new personal, auto, or recreational vehicle loan when you have Liberty FCU’s free Vertical Checking or Platinum Rewards Checking.

Discount available on conventional conforming financing of purchases for primary residences and refinancing of mortgage loans already established at Liberty FCU only. Offer available for already established SmartMove loans when refinanced with at least $10,000 new money. Closing costs may apply. Liberty FCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply. Contact a Liberty FCU mortgage loan officer for further details.