Credit union · NCUA insured
1st Liberty Federal Credit Union Savings Rates
Top Carrot1st Liberty Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market Shares. Rates checked October 22, 2026.
How 1st Liberty Federal Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $85
Money Market Shares
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
2nd-highest rate
Montana Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
1st Liberty Federal Credit Union savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.85%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Shares
0.85%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.80% | — |
| $2,500 – $10,000 | 0.82% | — |
| $10,000 – $50,000 | 0.85% | $85 |
| $50,000 – $100,000 | 0.90% | — |
| $100,000 and up | 0.95% | — |
Sources (2)
All captured Oct 4, 2026
Primary Savings Shares
0.15%APY
Must open with a deposit of $25.00 to become a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.15% | — |
| $2,000 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 and up | 0.15% | $15 |
Sources (1)
- 1stliberty.org/accounts/savings-accounts · captured Oct 22, 2026
Sub Savings Shares
0.15%APY
No minimum deposit requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.15% | — |
| $2,000 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 and up | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Christmas Club Shares
1.25%APY
Funds cannot be used or deposited until maturity on October 1st of each year or until share is closed. Maximum share balance is $5,000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Matures October 1stUp to $5,000 | 1.25% | — | Matures October 1st |
Sources (2)
All captured Oct 22, 2026
Vacation Club Shares
1.01%APY
Funds cannot be used or deposited until maturity on June 1st of each year or until share is closed. Maximum share balance is $5,000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Matures June 1stUp to $5,000 | 1.01% | — | Matures June 1st |
Sources (2)
All captured Oct 22, 2026
IRA Shares
0.85%APY
Traditional and Roth IRA shares. Average Daily Balance calculation.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.85% | $85 |
Sources (1)
- 1stliberty.org/accounts/retirement-accounts · captured Oct 22, 2026
Youth Savings Shares
0.15%APY
For members under the age of 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.15% | — |
| $2,000 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.15% | — |
| $10,000 and up | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
Who can join 1st Liberty Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.