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1st Liberty Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.1stliberty.org
406-761-8300
6200 3rd Ave N
Great Falls, MT 59405

1st Liberty Federal Credit Union is headquartered in Great Falls and is the 10th largest credit union in the state of Montana. It is also the 1,241st largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 53 employees and 14,794 members at 7 locations. 1st Liberty Federal Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

1st Liberty Federal Credit Union is open to anyone who lives, works, worships , attends school, or volunteers in the Montana counties of Cascade, Chouteau, Glacier, Pondera, or Teton. Membership eligibility extends to military and civilian personnel, members of the US Armed Forces, contract Technical Service personnel of select areas in Montana and North Dakota. Employees of Corrections Corporation of America DBA Crossroads Correctional Center working in Shelby MT, and employees of one of the North Dakota-based SEGs. Immediate family or household members of current credit union members may also join.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #10375
Year Chartered1955
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.33%
Annual Interest Income$2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$211.4MM$209.5MM
LoansQ1 2025vs Q1 2024$84.6MM$88.5MM
DepositsQ1 2025vs Q1 2024$182.2MM$183MM
Equity CapitalQ1 2025vs Q1 2024$26.7MM$22.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$519K$517K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$247K$324K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not 1st Liberty Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Liberty Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$0$5kVacation Club
1.01%$0$5kChristmas Club
0.25%$25-Primary Shares
0.25%$5-Youth Shares
0.25%$0-Sub Shares

1st Liberty Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.06%*$100k*-Money Market Account
OTHER TIERS: 0.90% → $25 - $2.5k | 0.92% → $2.5k - $10k | 0.95% → $10k - $50k | 1.01% → $50k - $100k

1st Liberty Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Commercial Checking
0.25%$2k-Rewards Plus Checking

1st Liberty Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%$500-19 Months CD Special
2.32%*$10k*-60 Months CD
OTHER TIERS: 2.22% → $500 - $10k
2.07%*$10k*-48 Months CD
OTHER TIERS: 1.97% → $500 - $10k
1.97%*$10k*-36 Months CD
OTHER TIERS: 1.87% → $500 - $10k
1.81%*$10k*-24 Months CD
OTHER TIERS: 1.71% → $500 - $10k
1.66%*$10k*-12 Months CD
OTHER TIERS: 1.56% → $500 - $10k
1.46%*$10k*-6 Months CD
OTHER TIERS: 1.36% → $250 - $10k

1st Liberty Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.32%$1k-60 Months IRA
2.07%$1k-48 Months IRA
1.97%$1k-36 Months IRA
1.81%$1k-24 Months IRA
1.66%$1k-12 Months IRA
0.85%$25-IRA Shares
Locations


1st Liberty Federal Credit Union Locations
Branch Office202 S Main StConrad, MT 59425-2014
Branch Office401 Smelter Ave NEGreat Falls, MT 59404-1927
Branch Office6200 3rd Ave NGreat Falls, MT 59405-1528
Branch Office310 W Main StCut Bank, MT 59427-2831
Branch Office505 10th Ave SGreat Falls, MT 59405-4046
Branch Office121 1st Ave SEShelby, MT 59474
Branch Office228 75th St N Bldg 1082Malmstrom AFB, MT 59402-7501

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