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Liberty Federal Credit Union is a member-owned financial institution focused on returning value through innovative products and services. Liberty's free Vertical Checking account offers a high interest rate of 3.45% APY on balances up to $20,000. It has been recognized by Forbes as one of Indiana’s best financial institutions. It has also been named the nation’s Best Credit Union for Checking by Investopedia in 2021 and appeared on Newsweek’s list of America’s Best Banks in 2022. Liberty currently serves more than 270,000 members across all fifty states and at least eight countries.
Honestly, they were good for the first year but recently, I’ve been having issues with them adding debt to my account for an insurance they “added” because I didn’t have any proof of it. I spoke to my lawyer and I’ve shown the times I’ve sent it, screenshots and I’ve had insurance on the vehicle since I financed. As of yesterday I won’t be a part of liberty. They charged me every month even though I’d send proof and their live chat is even worse. The customer service rep doesn’t even answer your questions, they just tell you to call some number. But I won’t have to deal with this credit union anymore but they will be dealing with from lawyer thankfully. 😅
NM
Nori M
Nov 12, 2025
1.0
I experienced some challenges due to an accident and they showed ZERO sympathy and failed to assist when I asked for help. They are the only financial institution, out of all of the ones I bank with, that was rude and insensitive to my condition at that time. They also do not have systems that update accurately so information is faulty. They need training on how to better service customers and need to invest in better systems. Kindness is the key.
They make it extremely hard to make payments online to the point where I had to call to make payments over the phone and they charge you for this! It's despicable. Because their system is terrible, your payments take forever to post which then makes them charge late fees and additional interest.
Take your money elsewhere. It is not worth the headache. Also, discrimination is an issue here...
BD
Bakir Dizdarevic
Nov 5, 2025
5.0
David Renick and his team made the entire process very friendly and easy. Very good communication, service, the platform was easy to navigate. Access to all the documentation at any time. Live status tracking. Even the closing disclosure was extremely easy and quite joyful. Would definitely recommend for anyone shopping for a home.
ID
Isiah Dunn
Nov 5, 2025
1.0
I opened an account online. I was approved for a checking and savings account. A day later my application was denied for “inconsistency” on my application and consumer credit report. They stated they were unable to verify my identity. I sent them a copy of my drivers license my Social Security card proof of address also a selfie with me holding my drivers license and they still said they had trouble verifying my identity. I believe I was discriminated against. Will report this credit union IMMEDIATELY. Would not recommend
WM
Weiner Man
Oct 11, 2025
4.0
I see a lot of people complaining about auto loans. Im on my second auto loan and I've had no trouble at all. I gave 4 stars instead of 5, it doesn't have anything to do with this location. It's the app, I have to sign in 3 to 4 times everytime for several years now just to get in to see my accounts. It'll say my time has expired a couple times, it'll just pull up the external accounts,which I dont have any,then I'll have to logout just to be able to log back in. The app sucks.
Frequently Asked Questions About Liberty Federal Credit Union | Main Office
Why should I join Liberty Federal Credit Union?
Liberty FCU is owned by its members. So everything we do, we do for you! We’re the tristate’s largest credit union, but we maintain a commitment to service to each and every member.
Full-service financial convenience: From savings, checking, and investment plans to loans, credit card, and mortgage options.
Competitive rates: A credit union typically offers loans at lower rates and pays dividends on savings and checking at higher rates than banks.
Safety for your funds: Your accounts are insured up to $250,000 by NCUA, a U.S. government agency. IRA funds are insured for an additional $250,000 by the NCUA.
Friendly service: Our number one priority is member satisfaction. We’ve been providing friendly, personal and reliable service to all of our members since 1936.
We offer convenient locations and 24-hour service online and by phone.
We also offer non-traditional services, including a travel agency and personal property insurance agency.
What services are available?
Here is just a sample:
Savings: savings, money market, certificate, IRA, and HSA accounts.
Checking: interest-earning checking, debit/ATM cards, and more.
Loans: auto loans, personal loans, motorcycle/RV/boat loans, and business loans.
Credit cards: Consumer and Business Cards.
Home loans: fixed- and adjustable-rate mortgages and home equity options.
Investment services: financial planning, estate planning, mutual funds and bonds.
Convenience services: worldwide ATM service, free online banking, and more!
I already have my accounts somewhere else. Why open a credit union account?
We can add real value to your life. You can take care of all your financial needs right at the credit union—from savings, checking and investment plans to loans, credit cards and mortgage options—and you will probably pay less for them, too! The credit union offers 24-hour account access online and by phone. Plus, you can take care of your daily financial needs at one of our convenient branch offices or at thousands of CU Service Centers throughout the United States.
What is a credit union?
A credit union is a cooperative organization owned entirely by its members and operated for the benefit of all who belong. Credit unions provide a full spectrum of financial services—just like other financial institutions. The difference is that credit unions are not-for-profit organizations whose earnings are passed onto all members in the form of lower loan rates, high savings rates, fewer fees and added or improved services.
Why should I join Liberty Federal Credit Union?
Liberty FCU is a member-owned credit union offering full-service financial convenience, competitive rates, insured funds, friendly service since 1936, convenient locations, 24-hour online and phone service, and unique services like a travel agency and personal property insurance.
What financial products and accounts does Liberty FCU offer?
Liberty FCU offers savings, money market, certificate, IRA, HSA accounts; interest-earning checking; debit/ATM cards; auto, personal, motorcycle, RV, boat, business, student, and mortgage loans; credit cards; and investment services including financial and estate planning.
What services are available at Liberty Federal Credit Union?
Services include online banking, a mobile banking app, safe deposit boxes, mobile check deposit, and worldwide ATM access, alongside financial planning and insurance services through its affiliates.
What are the branch hours for Liberty Federal Credit Union Main Office?
The main office is open Monday through Thursday from 9 AM to 5 PM, Fridays from 9 AM to 6 PM, and Saturdays from 9 AM to 12 PM. It is closed on Sundays and certain holidays such as November 11 and 27, and December 25.
How can I access Liberty FCU’s mobile banking app?
Liberty FCU’s mobile app is available for download on both Android and iOS devices via the Google Play Store and Apple App Store respectively.
Where is Liberty Federal Credit Union Main Office located?
The main office is located at 4401 Theater Drive, Evansville, IN 47715, USA.
What nearby financial and mortgage services can assist Liberty FCU customers?
Nearby services include Maverick Carnahan - Liberty FCU Mortgage Loan Officer and American Mortgage Service Company, providing nearby mortgage loan options that complement Liberty FCU's offerings.
What nearby dining options are available around Liberty FCU Main Office?
Customers can visit nearby dining spots such as Cheddar's Scratch Kitchen, Scooter's Coffee, McAlister's Deli, and Domino's for a variety of meal and beverage options before or after their visit.
Are there any nearby educational institutions customers might want to visit?
Yes, Harrison College Evansville Campus and Good Shepherd School are nearby educational institutions that customers may find convenient to visit in the area.
What nearby services can support my insurance and financial planning needs?
Adjacent services include Liberty Wealth Services, Manuel Ramirez - State Farm Insurance Agent, Austin Hutchins - State Farm, and financial advisors at Edward Jones, helping customers with insurance and wealth management needs near Liberty FCU.