Credit union · NCUA insured
Midwest Liberty FCU
A $25.5M credit union headquartered in McCook, NE, with 2,533 members and 1 branch in Nebraska. Best rates: CDs 3.75% and savings 0.65% APY.
Midwest Liberty FCU Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#74 of 115 in NebraskaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Midwest Liberty FCU
Midwest Liberty Federal Credit Union is a member-owned financial cooperative based in McCook, Nebraska, established in 1949.
The credit union converted to a community charter on January 24, 2023.
- Headquarters
- 1001 W B St, McCook, NE 69001
- NCUA charter
- 6466
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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, worship, work (or regularly conduct business in), or attend school in, and businesses and other legal entities located in specified counties in Kansas (Cheyenne, Decatur, Graham, Norton, Rawlins, Sheridan, Sherman, Thomas) and Nebraska (Chase, Dawson, Dundy, Frontier, Furnas, Gosper, Harlan, Hayes, Hitchcock, Keith, Lincoln, Perkins, Phelps, Red Willow).
Employers and groups
- Membership is open to employees of this credit union.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to organizations of such eligible persons.
- Membership is open to members of record of the Mid-West Liberty Federal Credit Union as of January 24, 2023.
1 more way to join
Other ways
- Membership is open to volunteers in the community.
Branches
1 branch in Nebraska
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Nebraska
1 branch
- Midwest Liberty Federal Credit UnionMain office1001 W B St, McCook, NE 69001Directions
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 | 10.48% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio10.48%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Midwest Liberty FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.