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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.
New to this credit union but very happy so far. The experience(s) have been great.
CD
Courtney Dunn
Mar 25, 2025
5.0
Love this branch. Staff are very helpful. Chelsey is amazing. She is extremely knowledgeable and is always a big help.
SM
Sarah May
Oct 17, 2024
1.0
The in-branch staff are nice, but the online and digital transaction employees are plain awful. When I tell you the amount of things the processors have messed up with my accounts ...... it is offensive.
My card was stolen, in branch support was AMAZING. Online? Not so much. I had to argue to receive the money back. Argue. To get a credit on stolen money. To get a credit on fees that were charged..... literally no other bank does that....
I used my account to pay my credit card and other payments.... this month? Rejected. Why?? Because the person from the bank refused to accept them. Despite plenty of money being in the account. In fact, it was verified that I had money, AND verified the amount I was trying to pay..... but the repeated lack of accountability from their processing department is offensive at this point. They rejected the payments due to their own failures. Will they give me the late fees? Of course not..... fees are a huge issue for them.
They also had a plethora of a of issues correctly processing my auto payments when I had an auto loan with them.... how do you misplace a $10k payment???? Oh, that's right.... the lackluster processing department..... I spent easily a month arguing this one with them. Come to find out they put it on the wrong loan... once again, ZERO accountability from them.
Bank elsewhere. Save yourself the headaches.
LR
Lea Anne Reeves
Apr 14, 2022
5.0
Opened our account at this branch a few months ago. Everyone that works here is knowledgable, very helpful and friendly!
Frequently Asked Questions About Liberty Federal Credit Union | Spring Hill
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 member-owned and focuses on providing full-service financial convenience, competitive rates, insured accounts up to $250,000, friendly service since 1936, and convenient locations with 24-hour online and phone support.
What financial services does Liberty Federal Credit Union offer?
Services include savings, checking, investment plans, various loans (auto, personal, business), credit cards, home loans, financial planning, and convenient options like online and mobile banking.
What are Liberty FCU's branch hours?
Monday to Thursday: 9 AM – 5 PM, Friday: 9 AM – 6 PM, Saturday: 9 AM – 12 PM, Sunday: Closed. Holiday hours vary; some holidays have reduced hours or are closed.
Is Liberty Federal Credit Union's branch accessible for people with disabilities?
Yes, Liberty FCU has wheelchair accessible parking to accommodate members with disabilities.
How can I access Liberty FCU services on my mobile device?
You can use the Liberty FCU mobile banking apps available on both Android and iOS platforms via their respective app stores.
Where is the Liberty Federal Credit Union branch in Spring Hill located?
The branch is located at 4922 Main St., Spring Hill, TN 37174, USA.
Which nearby restaurants can I visit before or after my visit to Liberty FCU?
Nearby dining options include Bayleaf Indian Restaurant, Wendy's, Chicken Salad Chick, Jersey Mike's Subs, and Bubbakoo's Burritos, offering a variety of cuisine choices.
What nearby fitness or wellness centers are close to Liberty FCU?
Close by are STAR Physical Therapy for rehabilitation needs, CrossFit Spring Hill for fitness training, and Rebel Studios offering yoga and recreational activities.
Are there any nearby automotive services around Liberty FCU?
Yes, nearby automotive services include Campbell Station Carwash for car cleaning and detailing, as well as local auto loan services through Liberty FCU itself.
How can nearby businesses assist me in managing my finances and insurance alongside Liberty FCU?
Nearby services like Nationwide Insurance: Patrick H Carpenter provide insurance options, and Liberty FCU Insurance Group offers additional related services to support your financial well-being.