Liberty First Credit Union

501 North 46th
Lincoln, NE 68503
(402) 465-1000
www.libertyfirstcu.com

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Liberty First Credit Union is headquartered in Lincoln and is the 5^th largest credit union in the state of Nebraska. It is also the 1,085^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 57 employees and 16,853 members. Liberty First Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

Liberty First Credit Union Routing Number: 304982468

Competitive Long-Term CD Rates at Liberty First Credit Union in NE - Local Only - 9/6/2010

Liberty First Credit Union is offering several competitive CD and IRA CD rates for terms of 2 to 5 years. The best rates require a $75K minimum. These include a 3.15% APY for 5 years, 2.55% APY for 3 ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Liberty First Credit Union Checking Account Rates

Apy	Min	Max	Product
0.35%	$35k	-	High Yield Checking
0.35%	$25k	-	Lifestyle Rewards Checking
0.35%	$25k	-	Lifestyle Interest Checking
0.35%	$25k	-	Business Checking
0.10%	$500	-	55 Plus Checking
0.05%	$500	-	Plus Checking

Liberty First Credit Union Savings Account Rates

Apy	Min	Max	Product
1.95%	-	-	Systematic IRA Savings
1.95%	-	-	Systematic Roth IRA Savings
1.95%	-	-	Systematic SEP IRA Savings
1.95%	-	-	Systematic SIMPLE IRA Savings
0.95%	$50k	-	IRA Savings
0.95%	$50k	-	Roth IRA Savings
0.95%	$50k	-	SEP IRA Savings
0.95%	$50k	-	SIMPLE IRA Savings
0.85%	$25k	-	Health Savings
0.40%	-	-	Wealth Builder Savings
0.10%	$50k	-	Savings Account

Liberty First Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$2,500	-	Money Market Investment Checking
0.20%	$2,500	-	Money Market Investment Savings

Liberty First Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$75k	-	60 Month CD
1.50%	$75k	-	48 Month CD
1.25%	$75k	-	36 Month CD
0.80%	$75k	-	24 Month CD
0.60%	$500	-	18 Month CD
0.45%	$75k	-	12 Month Add-On CD
0.45%	$75k	-	Youth/Young Adult 12 Month Add-On CD
0.45%	$75k	-	12 Month Save To Win CD
0.25%	$75k	-	6 Month CD
0.15%	$75k	-	3 Month CD

Liberty First Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$75k	-	60 Month IRA
1.75%	$75k	-	60 Month Roth IRA
1.75%	$75k	-	60 Month SEP IRA
1.75%	$75k	-	60 Month SIMPLE IRA
1.50%	$75k	-	48 Month IRA
1.50%	$75k	-	48 Month Roth IRA
1.50%	$75k	-	48 Month SEP IRA
1.50%	$75k	-	48 Month SIMPLE IRA
1.25%	$75k	-	36 Month IRA
1.25%	$75k	-	36 Month Roth IRA
1.25%	$75k	-	36 Month SEP IRA
1.25%	$75k	-	36 Month SIMPLE IRA
0.80%	$75k	-	24 Month IRA
0.80%	$75k	-	24 Month Roth IRA
0.80%	$75k	-	24 Month SEP IRA
0.80%	$75k	-	24 Month SIMPLE IRA
0.60%	$500	-	18 Month IRA
0.60%	$500	-	18 Month Roth IRA
0.60%	$500	-	18 Month SEP IRA
0.60%	$500	-	18 Month SIMPLE IRA
0.45%	$75k	-	12 Month Add-On IRA
0.45%	$75k	-	Youth/Young Adult 12 Month Add-On IRA
0.45%	$75k	-	12 Month Add-On Roth IRA
0.45%	$75k	-	Youth/Young Adult 12 Month Add-On Roth IRA
0.45%	$75k	-	12 Month Add-On SEP IRA
0.45%	$75k	-	12 Month Add-On SIMPLE IRA
0.45%	$75k	-	Youth/Young Adult 12 Month Add-On SEP IRA
0.45%	$75k	-	Youth/Young Adult 12 Month Add-On SIMPLE IRA
0.25%	$75k	-	6 Month IRA
0.25%	$75k	-	6 Month Roth IRA
0.25%	$75k	-	6 Month SEP IRA
0.25%	$75k	-	6 Month SIMPLE IRA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

LIBERTY FIRST
NCUA #	63757
BankRate Report	View
Year Chartered	1935
Employees	57
Primary Regulator
Assets and Liabilities
Assets	$146.33 million
Loans	$110.39 million
Deposits	$126.31 million
Equity Capital	$16.16 million
Loan Loss Allowance	$968,000
Unbacked Noncurrent Loans	$777,000
Real Estate Owned	$569,000
Historic Data - December 2010
Assets	$144.53 million
Equity Capital	$15.74 million
Loan Loss Allowance	$780,000
Unbacked Noncurrent Loans	$988,000
Real Estate Owned	$929,000
Profit Margin - Quarterly
Net Interest Margin	6.11%
Return on Assets	0.29%
Return on Equity	2.59%
Interest Income	$7.94 million
Non-Interest Income	$2.89 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Liberty First Credit Union had $1.35 million in non-current loans and owned real-estate with $17.13 million in equity and loan loss allowances on hand to cover it. This gives Liberty First Credit Union a Texas Ratio of 7.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Liberty First Credit Union decreased slightly from 11.60% as of December 31, 2010 to 7.86% as of December 31, 2011, resulting in a positive change of 32.27%.This indicates that the balance sheet and financial strength for Liberty First Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Liberty First Credit Union has increased its total deposits by $243,000, resulting in 0.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Liberty First Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Liberty First Credit Union has $146.33 million in assets with $17.13 million in equity, resulting in a capitalization level of 11.71%, which is above average.