Credit union · NCUA insured
Calhoun Liberty Credit Union
A $172.6M credit union headquartered in Blountstown, FL, with 9,177 members and 4 branches in Florida.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—5.00%CD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Calhoun Liberty Credit Union
Calhoun Liberty Credit Union was founded in 1957 as the Calhoun County Teachers Credit Union by local educators to provide financial services to fellow teachers.
Headquartered in Blountstown, Florida, the member-owned financial cooperative operates three branch locations in Blountstown and Bristol serving individuals, families, and businesses across Florida.
- Headquarters
- 16076 State Road 71 S, Blountstown, FL 32424-5100
- NCUA charter
- 67431
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or volunteer in Calhoun, Liberty, Franklin, Gadsden, Gulf, or Jackson County.
Employers and groups
- Membership is open to those who work for, are retired from, are members of, or are affiliated with the Florida Electric Cooperatives Association, Seminole Electric Cooperative, or a participating electric cooperative in Florida.
Family and household
- Membership is open to immediate family members of an eligible or existing member.
Other ways
- Businesses, organizations, and other legal entities that meet eligibility requirements may qualify for membership.
- Membership is open to individuals who were members of Florida Rural Electric Credit Union prior to its merger with Calhoun Liberty Credit Union.
Cost to join
- Joining requires depositing a $5 membership fee.
Branches
4 branches in Florida
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Florida
4 branches
Blountstown area · 1
- Blountstown17394 NW Charlie Johns St, Blountstown, FL 32424Directions
Bristol area · 1
- Bristol Branch10640 NW Main St, Bristol, FL 32321Directions
Keystone Heights area · 1
- FRECU Branch Office7022 Cooperative Way, Bldg 1, Keystone Heights, FL 32656Directions
Tallahassee area · 1
- FRECU Office2916 Apalachee Pkwy, Tallahassee, FL 32301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.66% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.01% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio10.66%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.01%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Calhoun Liberty Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.