Personal Products & Services

Accounts

Vertical Checking

  • Earn 3.00% APY on balances up to $20,000
  • Free ATMs anywhere worldwide
  • No minimum balance
  • No monthly service fee

Platinum Rewards Checking

Receive 500 Bonus ScoreCard Reward Points Each Month—Plus FREE ATMs Anywhere!

  • 500 bonus ScoreCard reward points each month
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fee

Certificates

Certificates are a great way to earn safe, guaranteed returns, with a low minimum of $1000 and high dividend rates.

Money Market

Earn a high dividend with full access to your cash when you need it.

When you open a money market savings account, you’ll earn higher dividends than a traditional savings account without locking up your cash like a certificate.

Share Types

With competitive interest rates and flexibility, Liberty can help you reach your savings goals

We have savings accounts suited for your needs:

  • Regular Shares
  • Special Shares
  • Christmas Club
  • Vacation Club
  • IRA/CESA Shares

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) provide an excellent way to save for the future.

Your earnings are sheltered from taxes—allowing your money to grow faster than funds in an ordinary savings account.

At Liberty, you’ll find all the features you’re looking for in an IRA:

  • You’ll enjoy great rates on your account.
  • Liberty Financial IRAs feature no set-up or annual fees.

Health Savings Accounts

In light of rising healthcare costs, Liberty Financial is pleased to offer Health Savings Accounts (HSAs) as a way for you to save for medical expenses.

Our HSAs do not have an annual maintenance fee and offer the following benefits:

  • Flexibility
  • Tax Savings
  • Control
  • Portability
  • Safety

Year-End Tax Forms

Year-End Statements

Members who qualify based on dividends earned or mortgage interest paid will receive separate forms before January 31 for tax-reporting purposes. Those holding IRAs, CESAs, and/or HSAs will receive individual IRS reporting forms.

Lending

Personal Loans

Get the money you need—no matter what the reason—with a personal loan from Liberty Financial.

A personal loan requires no collateral, but still offers a low interest rate, comfortable terms, and fast, convenient service.

Auto Loans

Looking for help financing your next vehicle?

At Liberty Financial, we offer all of the features you’re looking for in an auto loan—with no application fee.

Credit Cards

Liberty Financial offers the options you deserve for your personal or business credit card needs.

Take advantage of low rates, local service, and a valuable rewards program. Or, you can opt for an even lower rate. The choice is yours!

Skip-a-Payment

Take a break from your loan payment with Skip-a-Payment!

Liberty Financial can help you get the extra cash you need by letting you postpone up to two monthly loan payments per year without hurting your credit!

Mortgage Loans

Regional

Tennessee Housing

Tennessee Housing Development Agency (THDA) loans make home ownership a reality for many people in Tennessee.

Regional

Alabama Housing

The Alabama Housing Finance Authority (AHFA) is a public corporation and agency of the State of Alabama created to serve the housing needs of low- and moderate-income Alabama residents.

p Refinance

Cash Out Refinance

A cash-out refinance is a replacement of your original mortgage

  • Interest rates on a cash-out refinancing are often lower than those on a home equity loan
  • You pay closing costs when you refinance your mortgage
F Purchase

Community Hero 100

  • Available to teachers, nurses, first-responders and other community heroes*
  • 100% Financing
  • Fixed rate terms of 15, 20, and 30 years available
  • Receive up to a $500 gift card at closing*

This mortgage option is a way for us to give back to some of those who play vital roles in our local communities so they can enjoy the dream of home ownership.

*Restrictions apply. See page for full details.

F Purchase p Refinance

FHA Loans

  • Down payments as low as 3.5%
  • More lenient requirements for income and credit history
  • Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

F Purchase

HomeOneSM

  • At least one borrower must be a first-time homebuyer
  • Requires a low down payment of 3%
  • 30 year fixed rate
  • Receive up to a $500 gift card at closing*

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions.

*Restrictions apply. See page for full details.

F Purchase p Refinance

Conventional Loans

  • Guaranteed low rate
  • Fixed-rate terms from 10- to 30-years
  • Points and no-point options available
  • Receive up to a $500 gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.
*Restrictions apply. See page for full details.

p Refinance

SmartMove Mortgage

  • Fixed-rate 10- and 15-year first mortgage options
  • Second mortgage options also available
  • 80/10/10 cash out options

Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

F Purchase p Refinance

VA Loans

  • Available with no down payment
  • Fixed-rates available at terms up to 30 years
  • Loan amounts between $50,000–$424,100

The VA loan is available to eligible veterans and active-duty military personnel.

F Purchase

USDA Loans

  • $0 down – 100% financing available
  • Small towns, suburbs, and exurbs of major cities qualify
  • Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

F Purchase p Refinance

Physician Loans

  • 100% financing up to $500,000 sales price
  • 90% financing up to $1,000,000 sales price
  • No Private Mortgage Insurance (PMI)
  • Receive up to a $500 gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*Restrictions apply. See page for full details.

F Purchase p Refinance

Jumbo Loans

  • Loan amount can exceed the conforming limit of $424,100
  • Available for home purchase or refinance
  • Purchase and refinance options
  • Receive up to a $500 gift card at closing*

Liberty‘s Jumbo Loan program can help you secure your large mortgage.
*Restrictions apply. See page for full details.

H Build

Construction Loan

  • Convenient one-time close can save you thousands
  • Down payment as low as 5%
  • 9-month construction period
  • Terms up to 30 years
  • Jumbo loan financing available
  • Receive up to a $500 gift card at closing*

Our construction loan program can make your dream home a reality.
*Restrictions apply. See page for full details.

F Purchase

Bridge Loan

  • Financing up to 90% of the appraised value
  • Interest-only monthly payments
  • 9-month term
  • Low closing costs

Use your home’s equity as a down payment on your new purchase.

F Purchase

80/10/10 (No PMI)

  • No PMI—providing you huge monthly savings
  • Down payments as low as 10%
  • A second mortgage will cover 10% of the purchase price
  • Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

p Refinance

Home Equity

  • No closing costs, annual fee, or prepayment penalties
  • Interest-only home equity program also available

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

F Purchase p Refinance

Condo Loan

  • Down payments as low as 5%
  • Available for purchase or refinance
  • No closing cost refinance available

We offer programs to help you purchase or refinance your condo.

p Regional

Kentucky Housing

The Kentucky Housing Corporation is a self-supporting public corporation of the Commonwealth of Kentucky that works to make homeownership possible for Kentucky families. Support and 100% financing are available for Kentuckians.

Services

ScoreCard Rewards

Choose From More than 1,000 Reward Options With Liberty Financial’s ScoreCard Rewards Program!

You’ll earn valuable points redeemable for brand-name merchandise, cash back, gift cards, or travel with every qualifying purchase you make with your qualifying Liberty debit or credit card.

Online Banking

One Place. One Password. All of Your Financial Data.

Liberty’s free online banking service offers the ultimate account access, control, and security on one simple screen.

Apple Pay

Use Apple Pay™ and your ETFCU debit and credit cards to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps.

CO-OP Shared Branch

Access Your Account at Credit Unions Nationwide

If you’re a Liberty Financial member who travels or lives away from one of our branches, you’ll be pleased to know that the credit union is among thousands of other credit unions all across the country who offer their members more convenience by sharing locations.

eStatements

Electronic Statements Are Available for Free to Online Banking Users

Help protect the environment and your account information with eStatements, Liberty Financial’s free online statement service. With eStatements, your statements are available online anytime.

Overdraft Protection

Overdraft Protection

Liberty Financial provides overdraft protection services to ensure you have the purchasing power you deserve whenever and wherever you need it.

Fee Schedule

Make Deposits Anytime, Anywhere with Remote Deposit

Now you are able to deposit checks anytime, from anywhere with remote deposit! This feature of online and mobile banking allows you to deposit a check into your Liberty Financial account via smart phone, tablet, or computer scanner.

Safe Deposit Boxes

Where do you keep your important documents and irreplaceable keepsakes?

You’ll know they’re safe when you store them in a safe deposit box at Liberty Financial.

Mastercard® Gift Cards

Mastercard® Gift Cards Make Ideal Gifts

Looking for the perfect gift? Your family and friends will love Mastercard® Gift Cards—available now at any Liberty Financial office for only $2.00 per card!

Prepaid Reloadable Mastercard® Debit Cards

Use your Liberty Financial reloadable prepaid card almost anywhere you make purchases, including those made online or by phone. Plus, you will enjoy all the security and protections you expect from a Mastercard card—including disputed charge resolution, zero liability for fraudulent transactions, and replacement of a lost or stolen card.