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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.
My parents have been members at the former Evansville credit union and now liberty credit union for over 50 years, or something close to that. I have been a member for about 15 years. When I first arrived here and it was Saul, Evansville, Federal credit Union, everyone knew the employees employees knew the clients. I came here, retired from Washington DC, and was very impressed that in a small town this would happen. It does not happen and most of the free world. When liberty bought out, Evansville Federal credit Union, all the previous employees disappeared. I suppose that is due to the rain long time employees and being more expensive. But you know, continuity, and confidence comes with experience.
Says liberty has taken over, we have had problems to include getting a new credit card for my mom and getting automatic payment set up for the credit card. I also have concerns about security. I had a teller asked me for my Social Security number when I was trying to make a deposit… No one’s Social Security number should ever be requested in public. The manager there and I asked her about it and she said oh yes. Since liberty has taken over, we have had problems to include getting a new credit card for my mom and getting automatic payment set up for the credit card. I also have concerns about security. I had to tell her asked me for my Social Security number when I was trying to make a deposit… No one’s Social Security number should ever be requested in public. The manager there and I asked her about it and she said oh yes. Today, the teller asked me if I had a codeword, I had no idea what she’s talking about. I did not have one, and we simply proceeded. It seems to me that liberty is concerned with the perception of security, not necessarily with actual service and security.
WB
Whitney Brigance
Nov 27, 2025
5.0
Great bank switch for me!
KE
Kimberly Embry
Jan 19, 2022
5.0
I have nothing bad to say about this bank. The workers are all friendly, always willing to help with whatever is going on. Try them, you will not be disappointed!
Frequently Asked Questions About Liberty Federal Credit Union | West Owensboro
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 committed to service, offering full financial convenience, competitive rates, insured funds, friendly service, and convenient access including online and phone banking since 1936.
What financial services does Liberty Federal Credit Union offer?
Services include savings, checking, loans (auto, personal, business), credit cards, home loans, investments, and convenience features like worldwide ATM access and online banking.
What are the operating hours for Liberty Federal Credit Union in West Owensboro?
Open Monday to Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. Closed Sundays and specific holidays.
Where is Liberty Federal Credit Union located in Owensboro, KY?
The branch is located at 2820 N. York Street, Owensboro, KY 42304, USA.
How can I contact Liberty Federal Credit Union?
Call the local phone number +1 270-684-6874 or email contact@libertyfcu.org for inquiries.
Are there mobile apps available for Liberty Federal Credit Union members?
Yes, you can download the Liberty FCU mobile app from Google Play Store and the Apple App Store for convenient mobile banking.
What are some nearby places I can visit before or after banking at Liberty FCU in West Owensboro?
Nearby you can enjoy dining at 54 Pizza Express or Starbucks for coffee. You might also visit Russell Shifley Park or Shifley Park for outdoor activities.
Where can I find groceries or supplies near Liberty Federal Credit Union?
Kroger grocery store with bakery and deli services and Tractor Supply Co. for home and outdoor supplies are nearby for your convenience.
Are there financial service providers close to Liberty FCU for additional support?
Yes, nearby financial service options include Western Union for money transfers, Republic Finance, World Finance, and H&R Block for tax and accounting services.
What categories of products can I expect from Liberty Federal Credit Union?
Products include checking and savings accounts, certificates, IRAs, health savings accounts, credit cards, and a variety of loans like auto, student, mortgage, and business loans.