Loan Rates

Auto Loans

Loan Rate Discount

Receive 1/4% APR off your new personal or auto loan when you have select Liberty FCU checking accounts.

New/Used Auto

A gray clock.

Rate accurate as of

[today]

Model Year
Term
APR as low as
New - 2022
Term
Up to 63 Months
APR as low as
6.82
%
New - 2022
Term
66 Months
APR as low as
7.12
%
New - 2022
Term
72 Months
APR as low as
7.02
^
New - 2022
Term
75 Months
APR as low as
7.24
%^
New - 2022
Term
84 Months
APR as low as
7.48
%†
2021
Term
63 Months
APR as low as
7.27
%
2021
Term
66 Months
APR as low as
7.49
%
2021
Term
72 Months
APR as low as
7.52
%^
2021
Term
75 Months
APR as low as
7.72
%^
2021
Term
84 Months
APR as low as
8.05
%†

Used Auto

A gray clock.

Rate accurate as of

[today]

Model Year
Term
APR as low as
Used - 2020
Term
Up to 63 Months
APR as low as
7.47
%
2020
Term
66 Months
APR as low as
7.72
%
2020
Term
72 Months
APR as low as
7.74
%^
2020
Term
75 Months
APR as low as
8.04
%^
2019
Term
63 Months
APR as low as
7.64
%
2019
Term
66 Months
APR as low as
7.82
%^
2019
Term
72 Months
APR as low as
7.92
%^
2019
Term
75 Months
APR as low as
8.72
%^
2018
Term
63 Months
APR as low as
7.75
%
2018
Term
66 Months
APR as low as
8.02
%
2018
Term
72 Months
APR as low as
8.50
%^
2017 - Older
Term
60 Months
APR as low as
9.89
%
2017 - Older
Term
66 Months
APR as low as
10.65
%

Motorcycle

A gray clock.

Rate accurate as of

[lastbusiness]

Model Year
Term
APR as low as
New - 2022
Term
Up to 63 Months
APR as low as
8.95
%
New - 2022
Term
66 Months
APR as low as
9.20
%
New - 2022
Term
72 Months
APR as low as
9.35
%^
New - 2022
Term
75 Months
APR as low as
9.60
%^
New - 2022
Term
84 Months
APR as low as
10.65
%†
2021
Term
63 Months
APR as low as
9.00
%
2021
Term
66 Months
APR as low as
10.05
%
2021
Term
72 Months
APR as low as
10.20
%^
2020
Term
63 Months
APR as low as
9.20
%
2020
Term
66 Months
APR as low as
10.05
%
2019
Term
63 Months
APR as low as
10.05
%
2018
Term
63 Months
APR as low as
10.50
%
2017 - Older
Term
60 Months
APR as low as
11.30
%

Recreational Vehicle / Watercraft

A gray clock.

Rate accurate as of

[lastbusiness]

Model Year
Term
APR as low as
New - 2022
Term
Up to 63 Months
APR as low as
8.95
%
New - 2022
Term
66 Months
APR as low as
9.20
%
New - 2022
Term
72 Months
APR as low as
9.35
%^
New - 2022
Term
75 Months
APR as low as
9.60
%^
New - 2022
Term
84 Months
APR as low as
10.65
%†
New - 2022
Term
96 Months
APR as low as
11.90
%†
New - 2022
Term
120 Months
APR as low as
12.65
%†
New - 2022
Term
144 Months
APR as low as
13.90
%†
2021
Term
63 Months
APR as low as
9.00
%
2021
Term
66 Months
APR as low as
10.05
%
2021
Term
72 Months
APR as low as
10.20
%^
2021
Term
75 Months
APR as low as
10.65
%^
2021
Term
84 Months
APR as low as
11.55
%†
2020
Term
63 Months
APR as low as
9.20
%
2020
Term
66 Months
APR as low as
10.05
%
2020
Term
72 Months
APR as low as
10.35
%^
2020
Term
75 Months
APR as low as
10.65
%^
2019
Term
63 Months
APR as low as
10.05
%
2019
Term
66 Months
APR as low as
10.10
%^
2019
Term
72 Months
APR as low as
10.40
%^
2019
Term
75 Months
APR as low as
10.70
%^
2018
Term
63 Months
APR as low as
10.50
%
2018
Term
66 Months
APR as low as
10.90
%
2018
Term
72 Months
APR as low as
11.20
%^
2017 - Older
Term
60 Months
APR as low as
11.30
%
2017 - Older
Term
72 Months (RV Only)
APR as low as
13.05
%^

Personal Loans

Loan Rate Discount

Receive 1/4% APR off your new personal or auto loan when you have select Liberty FCU checking accounts.

Personal Loans

A gray clock.

Rate accurate as of

[lastbusiness]

Term
APR
12 Months
APR
9.59
%
24 Months
APR
10.09
%
36 Months
APR
10.59
%
48 Months ($2,500 +)
APR
11.09
%
60 Months ($7,500 +)
APR
12.09
%

Computer and Non-Titled Collateral

A gray clock.

Rate accurate as of

[lastbusiness]

Term
APR as low as
63 Months
APR as low as
8.55
%
66 Months
APR as low as
9.05
%
72 Months
APR as low as
9.60
%#

Home Improvement

A gray clock.

Rate accurate as of

[lastbusiness]

Term
APR as low as
      
60 Months
APR as low as
10.39
%
$
12,000 maximum

Share Pledge

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Rate accurate as of

[lastbusiness]

  
Term
APR as low as
Closed-end
Term
60 Months
APR as low as
2.05
%
Closed-end
Term
120 Months
APR as low as
3.05
%
Line of Credit
Term
N/A
APR as low as
2.05
%

Line of Credit / Overdraft Protection

A gray clock.

Rate accurate as of

[lastbusiness]

APR as low as
APR
11.50
%

Certificate Pledge

A gray clock.

Rate accurate as of

[lastbusiness]

APR
APR
2.00
% above the pledged certificate rate

*90% financing available.

**An ARM is an adjustable-rate mortgage (ARM) that has an initial interest rate for the first three, five, seven, or ten years and an adjustment interval of one year thereafter. The Simple Solutions mortgage program features fewer costs and a smaller down payment than FHA loans.

^$12,000 minimum

†$20,000 minimum

‡$30,000 minimum

#72 month loans have a minimum loan amount of $12,000

APR is the Annual Percentage Rate. APR, loan terms, monthly payments and savings shown are estimated, and are based on your credit profile. All loans are subject to credit approval.

Click here for a list of our employees registered through the Nationwide Mortgage Licensing System (NMLS) as of June 27, 2024 3:56 pm.

Loans are subject to credit review and approval. Closing costs may apply. A sample principal and interest payment on a (30)-year $150,000 fixed rate loan amount with a 4.250% interest rate (4.317% APR) and 20% down is $590.33. Product offerings may vary by state or region. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Actual interest rate may vary based on credit history. Visit LibertyFCU.org/mortgagecalculator to calculate payments with other terms, balances, or rates.

Rate Match Guarantee available for new purchases and refinanced first mortgage loans of primary residences with conventional conforming financing. Certain product exclusions may apply. Offer valid only for lenders compared in a physical location within 50 miles of any Liberty FCU office. Loan estimate from competing lender must be dated and received within three calendar days prior to locking your interest rate at Liberty FCU. The terms of the competing loan must be identical to Liberty FCU’s loan. If the loan does not close within the commitment period, the rate match may be voided. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to government loans, including FHA, USDA, and VA financing. Rate includes Extra Credit Mortgage discount. Contact a Liberty FCU mortgage loan officer for further details.

Gift card offer is available on financing of purchase or construction loans for primary residences only. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. Not valid in combination with any other offer.

Discount available on conventional conforming financing of purchases for primary residences only. Offer available for new primary mortgage loans and mortgage loans already established at Liberty FCU 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.

Vehicles with 100,000 miles or more are subject to a 0.50% APR rate increase.

SmartMove Mortgage is subject to credit approval. No closing cost offer is available on first mortgage refinance transactions with 80% maximum loan-to-value. Standard closing costs apply to existing Liberty FCU mortgages refinanced within the last 12 months. Additional costs may apply if escrow and /or title insurance are required. Not available on manufactured homes. Actual interest rate may vary based on credit history. Rates and conditions are effective as of 8/14/2019 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.290% with no closing costs would be $702.75 per month and a 3.250% APR. The rate cannot be locked until application approval. Property insurance required. Other restriction may apply. Equal Housing Lender.

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