Earn 3.45% APY!
Enjoy free ATMs worldwide and no monthly service fee.
Cutting-edge online and mobile banking services!


Open your Vertical Checking account and start earning today!


Earn 3.45% APY each month you meet these easy requirements:

15+ debit card purchases1

1+ direct deposit into the account

1+ online or mobile banking login

Receive electronic statements

Enjoy the convenience of eStatements for free! Click here to enroll or learn more.

Receive a discounted rate on new loans when you have select Liberty FCU checking accounts!

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Upgrade your existing Liberty FCU checking account and start earning 3.45% APY!



Protect your account against declined debit card transactions.

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One Place. One Password. All of Your Financial Data.

With the Liberty FCU Mobile, manage all of your accounts—including those held outside Liberty FCU—in one place, with one password. You can also transfer funds, deposit checks, create budgets, pay bills, apply for a loan, and more.

Open your account and start earning 3.45% APY plus FREE ATMs anywhere!

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

13.45% 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.
2Annual Percentage Yield accurate as of July 15, 2024. 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.  To help you balance your checkbook, click here to open a check reconciliation form along with error resolution notification information.
3Must 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.
4Discount 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.