Credit union · NCUA insured
Liberty First Credit Union CD Rates
Liberty First Credit Union’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Liberty First Credit Union’s CD rates compare
Compared with banks and credit unions near Lincoln, NE, where Liberty First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Liberty First Credit Union
4.00%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $434
Certificate of Deposit
Top rate
Cornhusker Bank
4.46%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,907
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
Liberty First Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo0.40%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.20%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.00%
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 Liberty First 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.
Certificate of Deposit
Up to 4.00%APY · 10 terms
Available in terms from 3 to 60 months. Dividends credited monthly or at maturity and compound quarterly. Penalty may be imposed for early withdrawal. Rates apply to new CDs and renewals at maturity only.
| Term | APY · $500 – $24,999 | APY · $500 – $74,999 | APY · $25,000 – $74,999 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.05% | — | 0.10% | 0.15% | 0.05%0.10% $25k–$75k0.15% from $75k | $1 |
| 3 monthsRequires a qualifying Liberty+ Checking Account | 0.30% | — | 0.35% | 0.40% | 0.30%0.35% $25k–$75k0.40% from $75k | $7 |
| 6 months | 0.15% | — | 0.15% | 0.20% | 0.15%0.15% $25k–$75k0.20% from $75k | $7 |
| 6 monthsRequires a qualifying Liberty+ Checking Account | 0.40% | — | 0.40% | 0.45% | 0.40%0.40% $25k–$75k0.45% from $75k | $20 |
| 12 monthsAdd-on feature allows additional deposits during the 12-month term; all deposits mature on the stated maturity date | 1.50% | — | 1.50% | 1.55% | 1.50%1.50% $25k–$75k1.55% from $75k | $150 |
| 12 monthsAdd-on feature allows additional deposits during the 12-month term; all deposits mature on the stated maturity date. Requires a qualifying Liberty+ Checking Account | 1.75% | — | 1.75% | 1.80% | 1.75%1.75% $25k–$75k1.80% from $75k | $175 |
| 13 months | — | 3.75% | — | 3.85% | 3.75%3.85% from $75k | $407 |
| 13 monthsRequires a qualifying Liberty+ Checking Account | — | 4.00% | — | 4.10% | 4.00%4.10% from $75k | $434 |
| 18 months | 1.75% | — | 1.75% | 1.80% | 1.75%1.75% $25k–$75k1.80% from $75k | $264 |
| 18 monthsRequires a qualifying Liberty+ Checking Account | 2.00% | — | 2.00% | 2.05% | 2.00%2.00% $25k–$75k2.05% from $75k | $301 |
| 24 months | 1.95% | — | 1.95% | 2.00% | 1.95%1.95% $25k–$75k2.00% from $75k | $394 |
| 24 monthsRequires a qualifying Liberty+ Checking Account | 2.20% | — | 2.20% | 2.25% | 2.20%2.20% $25k–$75k2.25% from $75k | $445 |
| 36 months | 2.10% | — | 2.10% | 2.15% | 2.10%2.10% $25k–$75k2.15% from $75k | $643 |
| 36 monthsRequires a qualifying Liberty+ Checking Account | 2.35% | — | 2.35% | 2.40% | 2.35%2.35% $25k–$75k2.40% from $75k | $722 |
| 39 months | — | 3.40% | — | 3.50% | 3.40%3.50% from $75k | $1,148 |
| 39 monthsRequires a qualifying Liberty+ Checking Account | — | 3.65% | — | 3.75% | 3.65%3.75% from $75k | $1,236 |
| 48 months | 2.10% | — | 2.10% | 2.15% | 2.10%2.10% $25k–$75k2.15% from $75k | $867 |
| 48 monthsRequires a qualifying Liberty+ Checking Account | 2.35% | — | 2.35% | 2.40% | 2.35%2.35% $25k–$75k2.40% from $75k | $974 |
| 60 months | 2.25% | — | 2.25% | 2.30% | 2.25%2.25% $25k–$75k2.30% from $75k | $1,177 |
| 60 monthsRequires a qualifying Liberty+ Checking Account | 2.50% | — | 2.50% | 2.55% | 2.50%2.50% $25k–$75k2.55% from $75k | $1,314 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.00%APY · 9 terms
Available in terms from 6 to 60 months (3-month term not available for IRAs). Available for Roth, Traditional, and Education IRA plans. Dividends credited monthly or at maturity and compound quarterly. Early withdrawal penalty may be imposed by the Credit Union; federal law may impose a special penalty tax for early withdrawal. Rates apply to new CDs and renewals at maturity only.
| Term | APY · $500 – $24,999 | APY · $500 – $74,999 | APY · $25,000 – $74,999 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.15% | — | 0.15% | 0.20% | 0.15%0.15% $25k–$75k0.20% from $75k | $7 |
| 6 monthsRequires a qualifying Liberty+ Checking Account | 0.40% | — | 0.40% | 0.45% | 0.40%0.40% $25k–$75k0.45% from $75k | $20 |
| 12 monthsAdd-on feature allows additional deposits during the 12-month term; all deposits mature on the stated maturity date | 1.50% | — | 1.50% | 1.55% | 1.50%1.50% $25k–$75k1.55% from $75k | $150 |
| 12 monthsAdd-on feature allows additional deposits during the 12-month term; all deposits mature on the stated maturity date. Requires a qualifying Liberty+ Checking Account | 1.75% | — | 1.75% | 1.80% | 1.75%1.75% $25k–$75k1.80% from $75k | $175 |
| 13 months | — | 3.75% | — | 3.85% | 3.75%3.85% from $75k | $407 |
| 13 monthsRequires a qualifying Liberty+ Checking Account | — | 4.00% | — | 4.10% | 4.00%4.10% from $75k | $434 |
| 18 months | 1.75% | — | 1.75% | 1.80% | 1.75%1.75% $25k–$75k1.80% from $75k | $264 |
| 18 monthsRequires a qualifying Liberty+ Checking Account | 2.00% | — | 2.00% | 2.05% | 2.00%2.00% $25k–$75k2.05% from $75k | $301 |
| 24 months | 1.95% | — | 1.95% | 2.00% | 1.95%1.95% $25k–$75k2.00% from $75k | $394 |
| 24 monthsRequires a qualifying Liberty+ Checking Account | 2.20% | — | 2.20% | 2.25% | 2.20%2.20% $25k–$75k2.25% from $75k | $445 |
| 36 months | 2.10% | — | 2.10% | 2.15% | 2.10%2.10% $25k–$75k2.15% from $75k | $643 |
| 36 monthsRequires a qualifying Liberty+ Checking Account | 2.35% | — | 2.35% | 2.40% | 2.35%2.35% $25k–$75k2.40% from $75k | $722 |
| 39 months | — | 3.40% | — | 3.50% | 3.40%3.50% from $75k | $1,148 |
| 39 monthsRequires a qualifying Liberty+ Checking Account | — | 3.65% | — | 3.75% | 3.65%3.75% from $75k | $1,236 |
| 48 months | 2.10% | — | 2.10% | 2.15% | 2.10%2.10% $25k–$75k2.15% from $75k | $867 |
| 48 monthsRequires a qualifying Liberty+ Checking Account | 2.35% | — | 2.35% | 2.40% | 2.35%2.35% $25k–$75k2.40% from $75k | $974 |
| 60 months | 2.25% | — | 2.25% | 2.30% | 2.25%2.25% $25k–$75k2.30% from $75k | $1,177 |
| 60 monthsRequires a qualifying Liberty+ Checking Account | 2.50% | — | 2.50% | 2.55% | 2.50%2.50% $25k–$75k2.55% from $75k | $1,314 |
Sources (2)
All captured Oct 22, 2026
Youth/Young Adult Twelve (12) Month Add-on Certificate
Up to 1.75%APY · 1 term
For Members under 25 years of age. Allows additional deposits during the 12-month term. On the first maturity date after reaching 25 years of age, renews at the regular 12-month Share Certificate rate. Dividends credited monthly or at maturity and compound quarterly. Penalty may be imposed for early withdrawal. Rates apply to new CDs and renewals at maturity only.
| Term | APY · $100 – $24,999 | APY · $25,000 – $74,999 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsAdd-on feature allows additional deposits during the 12-month term; all deposits mature on the stated maturity date | 1.50% | 1.50% | 1.55% | 1.50%1.50% $25k–$75k1.55% from $75k | $150 |
| 12 monthsAdd-on feature allows additional deposits during the 12-month term; all deposits mature on the stated maturity date. Requires a qualifying Liberty+ Checking Account | 1.75% | 1.75% | 1.80% | 1.75%1.75% $25k–$75k1.80% from $75k | $175 |
Sources (1)
- libertyfirstcu.com/deposit-and-loan-rates · captured Oct 22, 2026
Who can join Liberty First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, attend school, or work in Lancaster or Seward County, Nebraska are eligible for membership.
Employers and groups
- Employees or retirees of Burlington Northern Santa Fe, Inc. and its subsidiaries are eligible for membership.
- Employees of Liberty First Credit Union are eligible for membership.
- Individuals affiliated with approved Select Employee Groups and Partner Groups are eligible for membership.
Family and household
- Any person related by blood, marriage, or adoption to an existing member or someone within the field of membership is eligible to join.
Cost to join
- A $5.00 deposit is required when opening an account.
Membership information collected October 4, 2026.