Personal Products & Services


Vertical Checking

  • Earn 3.45% APY on balances up to $20,000
  • Free ATMs anywhere worldwide
  • No minimum balance
  • No monthly service fee

Investor Checking

Investor Checking is a free account that offers tiered earnings based on our money market rates.

Platinum Rewards Checking

Receive 500 Bonus ScoreCard Reward Points Each Month—Plus FREE ATMs Anywhere!

  • 500 bonus ScoreCard reward points each month
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fee

Money Market

Earn a high dividend with full access to your cash when you need it.

When you open a money market savings account, you’ll earn higher dividends than a traditional savings account without locking up your cash like a certificate.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) provide an excellent way to save for the future.

Your earnings are sheltered from taxes—allowing your money to grow faster than funds in an ordinary savings account.

At Liberty FCU, you’ll find all the features you’re looking for in an IRA:

  • You’ll enjoy great rates on your account.
  • Liberty FCU IRAs feature no set-up or annual fees.

Share Types

With competitive interest rates and flexibility, Liberty FCU can help you reach your savings goals

We have savings accounts suited for your needs:

  • Regular Shares
  • Special Shares
  • Christmas Club
  • Vacation Club
  • IRA/CESA Shares

Health Savings Accounts

In light of rising healthcare costs, Liberty FCU is pleased to offer Health Savings Accounts (HSAs) as a way for you to save for medical expenses.

Our HSAs do not have an annual maintenance fee and offer the following benefits:

  • Flexibility
  • Tax Savings
  • Control
  • Portability
  • Safety


Certificates are a great way to earn safe, guaranteed returns, with a low minimum of $1000 and high dividend rates.

Liberty FCU Year-End Tax Forms

Year-End Statements

Members who qualify based on dividends earned or mortgage interest paid will receive separate forms before January 31 for tax-reporting purposes. Those holding IRAs, CESAs, and/or HSAs will receive individual IRS reporting forms.


Credit Cards

Liberty Federal Credit Union offers the options you deserve for your personal or business credit card needs.

Take advantage of low rates, local service, and a valuable rewards program. Or, you can opt for an even lower rate. The choice is yours!

Personal Loans

Get the money you need no matter what the reason with a personal loan from Liberty FCU.

A personal loan requires no collateral, but still offers a low interest rate, comfortable terms, and fast, convenient service.

Auto Loans

Looking for help financing your next vehicle?

At Liberty Federal Credit Union, we offer all of the features you’re looking for in an auto loan—with no application fee.

Student Loans

Great rates with more than 2000 approved schools across the country.

Liberty FCU has partnered with Credit Union Student Choice in offering our members a valuable student lending solution!

  • Straightforward terms
  • Lower rates
  • No origination fees
  • Flexible repayment options


Take a break from your loan payment with Skip-a-Payment!

Liberty FCU can help you get the extra cash you need by letting you postpone up to two monthly loan payments per year without hurting your credit!

Mortgage Loans

F Purchase

Fixed Rate Blended Jumbo

  • First mortgage up to $766,550
    • 15 year, 20 year, 25 year, and 30 year Conforming Fixed Rate
  • Second mortgage options also available
    • Fixed (Balloon Note) Rate tied to Prime
  • Qualifications
    • 90% Total Loan-to-Value Available
    • 43% Maximum Debt-to-Income
    • 680 Minimum Credit Score

Government Mortgage Loans

Liberty FCU is proud to offer government mortgage product financing, including FHA, USDA, and VA. Our team is here to help your clients understand the various options available to find the best program for their needs. Contact any Liberty FCU mortgage loan originator or visit us online to learn more.

F Purchase

Community Hero 100

  • Available to teachers, nurses, first-responders and other community heroes*
  • 100% Financing
  • Fixed rate terms of 15, 20, and 30 years available
  • Receive up to a $500 gift card at closing*

This mortgage option is a way for us to give back to some of those who play vital roles in our local communities so they can enjoy the dream of home ownership.

*Restrictions apply. See page for full details.

F Purchase


  • At least one borrower must be a first-time homebuyer
  • Requires a low down payment of 3%
  • 30-year fixed rate
  • Receive up to a $500 gift card at closing*

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions.

*Restrictions apply. See page for full details.

F Purchase p Refinance

Renovation Loans

  • Finance up to 95% of appraisal value subject to the home improvements
  • For loan amounts up to $726,200 or less1
  • Primary residence and 1-unit single family dwellings only
  • Renovation must be completed by a licensed general contractor 2

Want to remodel your kitchen or add a bathroom? Our Liberty FCU renovation loan would be perfect for you to accomplish all your fixer-upper needs!
*Restrictions apply. See page for full details.

H Build

Physician Construction Loan

  • No Private Mortgage Insurance (PMI)
  • Convenient one-time closing
  • 95% financing for $970,801 to $1,500,000 loan amounts
  • 90% financing for $1,500,001 to $2,000,000 loan amounts
  • Required Credentials: MD, DO, DDS, DMD, OD, DP, or DPM

The rate is locked from the beginning which guarantees you a low rate for the life of the loan

*Restrictions apply. See page for full details.

F Purchase

Fannie Mae Home Ready

  • Requires only 3% down payment
  • Down payment can be a gift from a relative
  • Do not have to be a first-time homebuyer
  • Receive up to a $500 gift card at closing*

Our Fannie Mae Home Ready program makes committing to purchasing a home easier. It gives homeowners the stability and peace of mind by providing predictable mortgage payments over the life of the loan.

*Restrictions apply. See page for full details.

F Purchase H Build p Refinance

Pole Barn Home

  • Available for purchase, no cash-out refinance, and construction loans
  • Minimum 20% down payment or equity is required
  • Fixed rate terms of 10, 15, and 20 years available
  • Adjustable-rate mortgage (ARM) options of 3/6, 5/6, 7/6, and 10/6 available
  • Receive up to a $500 gift card at closing*

Our Pole Barn Home loan program is designed specifically with the needs of you, the homebuyer, in mind.

*Restrictions apply. See page for full details.

F Purchase

Temporary Buydown

  • Your loan’s initial interest rate will be 2% lower than your permanent rate for the first 12 months.
  • After the first 12 months of your mortgage, your rate will adjust to 1% below your loan’s permanent rate.
  • When your buydown period ends, your loan’s rate will revert to the original, permanent rate from the third year onwards.

Enjoy lower interest rates for up to two years on your new loan

F Purchase p Refinance

Conventional Mortgage

  • Guaranteed low rate
  • Fixed-rate terms from 10- to 30-years
  • Points and no-point options available
  • Receive up to a $500 gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.

*Restrictions apply. See page for full details.

F Purchase p Refinance

Adjustable Rate Mortgage

  • Several options available including 3/6, 5/6, 7/6, and 10/6 ARMs
  • Offers a lower initial rate than a fixed rate mortgage
  • Fixed interest rate for an initial period, then can adjust bi-annually thereafter
  • Receive up to a $500 gift card at closing*

Our adjustable rate mortgage programs may help you enjoy a lower rate.
*Restrictions apply. See page for full details.

H Build

Construction Loan

  • Convenient one-time close can save you thousands
  • Down payment as low as 5% up to $970,800 loan amount
  • 12-month construction period
  • Terms up to 30 years
  • Jumbo loan financing available
  • Receive up to a $500 gift card at closing*

Our construction loan program can make your dream home a reality.
*Restrictions apply. See page for full details.

p Refinance


Liberty FCU offers programs to help you lower your payment, shorten your term, or both, including:

  • Fixed-rate options from 10- to 30-years
  • Multiple ARM options with locked initial terms ranging from 3- to 10-years
  • Our popular, no closing cost SmartMove Mortgage
  • Plus many more!
p Refinance

SmartMove Mortgage

  • Fixed-rate 10- and 15-year first mortgage options
  • Second mortgage options also available
  • 80/10/10 cash out options

Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

p Refinance

Home Equity Line of Credit

  • No annual fee or prepayment penalty
  • $15,000 up to $250,000 revolving credit line
  • Rates can adjust
  • Home equity lines of credit up to 90% Total Loan To Value (TLTV)

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

F Purchase H Build

Lot Loan

  • Purchase up to 10 acres
  • Available for 10 or 15 year fixed rate terms
  • Low rates, low costs

Whether you plan to build right away or wait, we can help you get started.

F Purchase p Refinance

Bridge Loan

  • Financing up to 90% of the appraised value
  • Interest-only monthly payments
  • 9-month term
  • Low closing costs

Use your home’s equity as a down payment on your new purchase.

F Purchase p Refinance

Condo Loan

  • Down payments as low as 10%
  • Available for purchase or refinance
  • No closing cost refinance available

Liberty FCU offers programs to help you purchase or refinance your condo.


F Purchase

80/10/10 (No PMI)

  • No PMI—providing you huge monthly savings
  • Down payments as low as 10%
  • A second mortgage will cover 10% of the purchase price
  • Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

F Purchase H Build

Turnkey Financing

  • No construction financing needed
  • Rates can be locked up to 8 months*
  • One-time rate drop option if market rates decrease*
  • Jumbo loan financing available
  • Receive up to a $500 gift card at closing*

Let the builder of your choice design your perfect home, and Liberty FCU will take care of your end financing needs.
*Restrictions apply. See page for full details.

F Purchase

Freddie Mac Home Possible

  • Requires only 3% down payment
  • $2,500 down payment credit may be available*
  • No reserves required
  • Receive up to a $500 gift card at closing*

This mortgage program is a great option if you don’t have a large income.
*Restrictions apply. See page for full details.

F Purchase p Refinance

Simple Solutions

  • Down payment of only 3%
  • Lower closing costs than an FHA loan—potentially saving you thousands
  • Available in multiple term options
  • Receive up to a $500 gift card at closing*

Lack a large down payment? Liberty FCU’s Simple Solutions mortgage program offers considerable benefits versus an FHA loan.
*Restrictions apply. See page for full details.

F Purchase

Homeownership Opportunities Program

  • Offers $20,000 in grant assistance to qualifying low- to middle-income buyers
  • Must be a first-time homebuyer
  • Requires a five-year retention agreement

Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271.

F Purchase p Refinance

Physician Loans

  • No Private Mortgage Insurance (PMI)
  • 100% financing up to $970,800 loan amount
  • 90% financing for $1,500,001 to $2,000,000 loan amounts
  • Receive up to a $500 gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*Restrictions apply. See page for full details.

F Purchase p Refinance

Jumbo Loan

  • For loan amounts exceeding the conforming loan limit of $726,200
  • Purchase and refinance options
  • Receive up to a $500 gift card at closing*

Liberty FCU’s Jumbo Loan program can help you secure your large mortgage.
*Restrictions apply. See page for full details.

F Purchase p Refinance

FHA Loan

  • Down payments as low as 3.5%
  • More lenient requirements for income and credit history
  • Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

F Purchase

USDA Rural Housing Loan

  • $0 down – 100% financing available
  • Small towns, suburbs, and exurbs of major cities qualify
  • Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

F Purchase p Refinance

VA Loans

  • Available with no down payment
  • Fixed-rates available at terms up to 30 years
  • Loan amounts starting at $50,000

The VA loan is available to eligible veterans and active-duty military personnel.


More to Mobile | Tax Document

Access your tax documents from the app.

View yours today with Tax Documents in the More tab!

More to Mobile Estatement

Your transactions. When you need them.

This tool lets you view your electronic statements anytime, no waiting for them in the mail!

Check Deposit

Deposit your check anytime from anywhere.

Simply tap, snap, and deposit your check into your Liberty FCU account with Check Deposit available in the More tab!

Schedule an Appointment

Scheduling an appointment has never been so easy.

Reserve time at any branch to open an account, apply for a loan, and more with Schedule an Appointment available in the More tab!

Checking Rewards Progress

Tracking your checking rewards is easy.

View your progress with Checking Rewards available in the More tab!

Card Controls

Turn your card on or off from your app.

Misplace your card? Instantly disable it with Card Controls available in the More tab!

Loan Offers

Pre-approved loan offers. Available in the app.

Find credit-based Loan Offers exclusively for you—now available in the More tab!

Reset My PIN

Forgot your PIN? No problem

Our new Reset My PIN feature is now available in the Liberty FCU app More tab

Money Management

Your entire financial picture. All in one place

This powerful tool lets you view and manage all your accounts—even those outside of the credit union!

Online Banking

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

Liberty FCU’s free online banking service offers the ultimate account access, control, and security on one simple screen.

Mastercard® Gift Cards

Mastercard® Gift Cards Make Ideal Gifts

Looking for the perfect gift? Your family and friends will love Mastercard® Gift Cards—available now at any Liberty FCU office for only $2.00 per card!

Prepaid Reloadable Mastercard® Debit Cards

Use your Liberty FCU reloadable prepaid card almost anywhere you make purchases, including those made online or by phone. Plus, you will enjoy all the security and protections you expect from a Mastercard—including disputed charge resolution, zero liability for fraudulent transactions, and replacement of a lost or stolen card.


Electronic Statements Are Available for Free to Online Banking Users

Help protect the environment and your account information with eStatements, Liberty FCU’s free online statement service. With eStatements, your statements are available online anytime.

Overdraft Protection

Overdraft Protection

Liberty FCU provides overdraft protection services to ensure you have the purchasing power you deserve whenever and wherever you need it.

Money Management

Take Control of Your Finances

Looking to take control of your finances? Liberty FCU’s online banking and Liberty FCU Mobile feature Money Management—a powerful financial management tool designed to help you keep your financial goals within reach.

ScoreCard Rewards

Choose From More than 1,000 Reward Options With Liberty FCU’s ScoreCard Rewards Program!

You’ll earn valuable points redeemable for brand-name merchandise, cash back, gift cards, or travel with every qualifying purchase you make with your qualifying Liberty FCU debit or credit card.

Apple Pay

Use Apple Pay™ and your Liberty FCU debit and credit cards to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps.

Check Deposit

Make Deposits Anytime, Anywhere with Check Deposit

Now you are able to deposit checks anytime, from anywhere with check deposit! This feature of online and mobile banking allows you to deposit a check into your Liberty FCU account via smart phone, tablet, or computer scanner.

CO-OP Shared Branch

Access Your Account at Credit Unions Nationwide

If you’re a Liberty FCU member who travels or lives away from one of our branches, you’ll be pleased to know that the credit union is among thousands of other credit unions all across the country who offer their members more convenience by sharing locations.

Safe Deposit Boxes

Where do you keep your important documents and irreplaceable keepsakes?

You’ll know they’re safe when you store them in a safe deposit box at Liberty FCU.