Credit union · NCUA insured
Liberty First Credit Union Savings Rates
Liberty First Credit Union’s best savings rate is 0.25% APY on $10,000, with its Wealth Builder Savings. Rates checked October 22, 2026.
How Liberty First Credit Union’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $200
Kasasa Saver
Top rate
Cornhusker Bank
3.46%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $346
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Liberty First Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified2.00%
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 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.
Kasasa Saver
Up to 2.00%APY
Requires linked Kasasa Cash checking account. APY based on Average Daily Balance method. Qualifications per cycle in Kasasa Cash: at least 12 debit card purchases post and settle, enrolled and log into Online Access, enrolled and receive eStatements, and at least 1 net direct deposit post and settle. Limit one account per SSN. Automatic transfers of Kasasa Cash rewards into Kasasa Saver. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll balances if account qualifications are not met. Entire daily balance earns 0.05% APY. | 0.05% | $5 | All balances if account qualifications are not met. Entire daily balance earns 0.05% APY. |
| Over $0When linked Kasasa Cash qualifications are met during Monthly Qualification Cycle. | 2.00% | $200 | When linked Kasasa Cash qualifications are met during Monthly Qualification Cycle. |
Sources (2)
All captured Oct 22, 2026
Liberty+ Savings
Up to 2.00%APY
Requires linked Liberty+ checking account. APY based on Average Daily Balance method. Limit one account per household. Qualifications met via linked Liberty+ checking account credit card usage (Platinum, Gold, or Silver tiers). Non-compounding dividends credited on first processing/business day of following statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll balances if account qualifications are not met. Entire daily balance earns 0.05% APY. | 0.05% | $5 | All balances if account qualifications are not met. Entire daily balance earns 0.05% APY. |
| Over $0When linked Liberty+ checking account qualifications are met during Monthly Qualification Cycle. | 2.00% | $200 | When linked Liberty+ checking account qualifications are met during Monthly Qualification Cycle. |
Sources (2)
All captured Oct 22, 2026
Wealth Builder Savings
0.25%APY
Requires an automatic/systematic minimum monthly deposit. Penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires an automatic/systematic minimum monthly deposit. Penalty may be imposed for early withdrawal.$5 and up | 0.25% | $25 | Requires an automatic/systematic minimum monthly deposit. Penalty may be imposed for early withdrawal. |
Sources (1)
- libertyfirstcu.com/deposit-and-loan-rates · captured Oct 22, 2026
Savings
0.05%APY
Requires $5 opening deposit to establish membership and ownership in the credit union. $5 minimum balance required to retain membership benefits. Dividends calculated on daily balance and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.05% | $5 |
| $25,000 – $49,999 | 0.05% | — |
| $50,000 and up | 0.10% | — |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Systemic IRA
1.15%APY
Requires automatic/systematic deposit of at least $100 a month. Early withdrawal penalty may be imposed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Requires an automatic/systematic minimum monthly deposit of at least $100. Early withdrawal penalty may be imposed.Over $0 | 1.15% | $115 | Requires an automatic/systematic minimum monthly deposit of at least $100. Early withdrawal penalty may be imposed. |
Sources (2)
All captured Oct 22, 2026
Health Savings Account
0.25%APY
Tax-exempt account to pay for medical expenses under high-deductible health plans. Balance rolls over year to year. Debit card and/or checks available. $20 setup fee applies.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.15% | — |
| $2,500 – $24,999 | 0.25% | $25 |
| $25,000 and up | 0.50% | — |
Sources (2)
All captured Oct 22, 2026
IRA Savings
0.15%APY
Available in Roth, Traditional and Education IRA plans. Insured up to $250,000 by NCUA. Dividends calculated on daily balance, compounded and credited monthly. No Credit Union penalty for early withdrawal (Federal law penalty tax may apply).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.15% | $15 |
| $25,000 – $49,999 | 0.25% | — |
| $50,000 and up | 0.50% | — |
Sources (2)
All 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.