Credit union · NCUA insured
1st Liberty Federal Credit Union CD Rates
Top Carrot1st Liberty Federal Credit Union’s best CD rate is 3.45% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How 1st Liberty Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Great Falls, MT, where 1st Liberty Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Liberty Federal Credit Union
3.45%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $258
Special Certificates
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
1st Liberty Federal Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo1.46%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.19%
- 31–60 months31–60 mo2.32%
- QualifiedQualified3.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Liberty Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Certificates
Up to 3.45%APY · 2 terms
Rates subject to change without notice. The dividend rate and annual percentage yield (APY) are fixed and will be in effect for the term of the certificate. The annual percentage yield is based on the assumption that dividends remain on deposit until maturity. A Penalty may be imposed for withdrawals of principal made before maturity. You have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged a penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.45% | $258 |
| 19 months | 3.19% | $510 |
Sources (1)
- 1stliberty.org/accounts/share-rates · captured Oct 22, 2026
Regular Certificates
Up to 2.32%APY · 6 terms
Rates subject to change without notice. The dividend rate and annual percentage yield (APY) are fixed and will be in effect for the term of the certificate. The annual percentage yield is based on the assumption that dividends remain on deposit until maturity. A Penalty may be imposed for withdrawals of principal made before maturity. You have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged a penalty. No monthly service charge. Rate locked for the term of the share certificate. Earns Dividends Monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.36% | $68 |
| 12 months | 1.56% | $156 |
| 24 months | 1.71% | $345 |
| 36 months | 1.87% | $572 |
| 48 months | 1.97% | $812 |
| 60 months | 2.22% | $1,160 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 2.32%APY · 5 terms
Traditional and Roth IRA share certificates. Minimum to earn APY is $1,000. Rates subject to change without notice. Fixed dividend rate and APY for the certificate term assuming dividends remain on deposit until maturity. Penalty may be imposed for early principal withdrawal. 10-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.66% | $166 |
| 24 months | 1.81% | $365 |
| 36 months | 1.97% | $603 |
| 48 months | 2.07% | $854 |
| 60 months | 2.32% | $1,215 |
Sources (2)
All captured Oct 22, 2026
Who can join 1st Liberty Federal Credit Union
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