Personal Products & Services


Vertical Checking

  • Earn 3.30% 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 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.

Investor Checking

Investor Checking is a free account that offers tiered earnings based on our money market rates.

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.


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!


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

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


  • 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 starting at $50,000

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

F Purchase p Refinance

Adjustable Rate Mortgage

  • Several options available including 3/6, 5/6, 7/6, and 10/6 ARMs
  • Offers a lower initial rate than a fixed rate mortgage
  • Fixed interest rate for an initial period, then can adjust bi-annually thereafter
  • Receive up to a $500 gift card at closing*

Our adjustable rate mortgage programs may help you enjoy a lower rate.
*Restrictions apply. See page for full details.

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

Simple Solutions

  • Low down payment
  • Lower closing costs than an FHA loan—potentially saving you thousands
  • Available in multiple term options
  • Receive up to a $500 gift card at closing*

Lack a large down payment? Liberty Financial’s Simple Solutions mortgage program offers considerable benefits versus an FHA loan.
*Restrictions apply. See page for full details.

F Purchase p Refinance

Physician Loans

  • 100% financing available on up to $970,800 sales price
  • 90% financing for $1,500,001 to $2,000,000 loan amounts
  • 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 H Build

Turnkey Financing

  • No construction financing needed
  • Rates can be locked up to 6 months*
  • One-time rate drop option if market rates decrease*
  • Jumbo loan financing available

Let the builder of your choice design your perfect home, and Liberty will take care of your end financing needs.
*Restrictions apply. See page for full details.

F Purchase p Refinance

Jumbo Loans

  • Loan amounts from $647,200 – $2,500,000
  • Loan amount can exceed the conforming limit of your state of region
  • Available for home purchase or refinance
  • Cash out refinances require 20% equity
  • 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.

F Purchase p Refinance

Renovation Loans

  • Finance up to 95% of appraisal value subject to the home improvements
  • For loan amounts up to $970,800 or less1
  • Primary residence and 1-unit single family dwellings only
  • Renovation must be completed by a licensed general contractor2

Want to remodel your kitchen or add a bathroom? Our Liberty renovation loan would be perfect for you to accomplish all your fixer-upper needs!
*Restrictions apply. See page for full details.

H Build

Construction Loan

  • Convenient one-time close can save you thousands
  • 12-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.

p Refinance

Fixed Home Equity Loans

  • Fixed second mortgages up to 95% Total Loan To Value (TLTV)
  • Fixed rate terms of 5, 10, or 15 years
  • Minimum credit score of 680
  • Maximum debt ratio of 43%

Are home renovations in your plans? Or perhaps you’d like to go on vacation or consolidate debt. Whatever your plans, now is a great time to make it happen.

F Purchase p Refinance

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 H Build

Lot Loan

  • Purchase up to 10 acres
  • Available for 10 or 15 year fixed rate terms
  • Low rates, low costs

Whether you plan to build right away or wait, we can help you get started.

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.

H Build

Physician Construction Loan

  • No Private Mortgage Insurance (PMI)
  • Convenient one-time closing
  • 95% financing up to $970,800 loan amount
  • 90% financing for $970,801 to $1,500,000 loan amounts
  • Required Credentials: MD, DO, DDS, DMD, OD, DP, or DPM

The rate is locked from the beginning which guarantees you a low rate for the life of the loan

*Restrictions apply. See page for full details.

p Refinance

Home Equity Line of Credit

  • No annual fee or prepayment penalty
  • $15,000 up to $250,000 revolving credit line
  • Rates can adjust
  • Home equity lines of credit up to 90% Total Loan To Value (TLTV)

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

p Refinance


Liberty Financial offers programs to help you lower your payment, shorten your term, or both, including:

  • Fixed-rate options from 10- to 30-years
  • Multiple ARM options with fixed initial terms ranging from 3- to 10-years
  • Our popular, no closing cost SmartMove Mortgage
  • Plus many more!
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.

F Purchase


  • 100% Financing up to conforming loan limits ($647,200)
  • Fixed rate terms of 15, 20, and 30 years available
  • Available with 5/6, 7/6 and 10/6 adjustable rate mortgage (ARM) options
  • In-House loan with private mortgage insurance
  • Receive up to a $500 gift card at closing*

This great purchase program allows us to help place more buyers into homes they deserve. LF100 offers great benefits, including 100% financing and multiple term options for those who qualify.

*Restrictions apply. See page for full details.

F 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.

F Purchase

Fannie Mae Home Ready

  • Requires only 3% down payment
  • Down payment can be a gift from a relative
  • Do not have to be a first-time homebuyer
  • Receive up to a $500 gift card at closing*

Our Fannie Mae Home Ready program makes committing to purchasing a home easier. It gives homeowners the stability and peace of mind by providing predictable mortgage payments over the life of the loan.

*Restrictions apply. See page for full details.

F Regional

Tennessee Housing

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

F Purchase p Refinance

Manufactured Home

  • Available for purchases and no cash-out refinances
  • Minimum 5% down payment or equity is required
  • Fixed rate terms of 15, 20 and 30 years available
  • Existing, permanently attached doublewide homes only
  • Receive up to a $500 gift card at closing*

Are you looking to purchase a manufactured home on that perfect piece of property but are having a hard time finding financing? We have multiple fixed rate options for manufactured homes with as little as 5% down.

*Restrictions apply. See page for full details.

p 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.

F Purchase H Build p Refinance

Pole Barn Home

  • Available for purchase, no cash-out refinance, and construction loans
  • Minimum 20% down payment or equity is required
  • Fixed rate terms of 10, 15, and 20 years available
  • Adjustable-rate mortgage (ARM) options of 3/6, 5/6, 7/6, and 10/6 available
  • Receive up to a $500 gift card at closing*

Our Pole Barn Home loan program is designed specifically with the needs of you, the homebuyer, in mind.

*Restrictions apply. See page for full details.

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


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.


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.

Remote Deposit

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.