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1st Liberty

P. O. Box 5002, Great Falls, MT 59403
NCUA Insured3.4 (16 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P. O. Box 5002

Great Falls, MT 59403

Service Area

This credit union is located in Great Falls and serves members in the MT area. Currently serving 14,501 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.79%

Used Auto Loan

4.89%

Personal Loan

13.75%

Credit Card APR

13.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MT

Lowest rates currently reported by credit unions in MT (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.4

16 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
L B

L B

6 years ago

My auto loan is through this Credit Union. The process of receiving the loan was easy and wonderful. I will probably bring my future loans through 1st Liberty. However, when I wrote my first check to pay my loan (as I bank elsewhere) 1st Liberty said my check bounced! They were very unhelpful in the entire situation and it took them several days to identify the issue (which my bank was able To identify that my check was in fact good in less than one minute). This has since been corrected and I have not had another issue writing a check to pay my loan. However, recently while traveling I spoke with a CU representative (I’m not sure of the location as it was over the phone) and explained that I need to make my payment over the phone with a debit card. I was notified of a $10 fee for such, and having never made the payment over the phone I asked for a one-time waiver as I was traveling and did not want to be late. The agent insisted I was already late and used a disparaging tone and refused to be of assistance. After several minutes on the phone, including her trying to deal with an issue that had already been resolved (she must not have looked at the notes as I suggested) she disconnected the call very abruptly and rudely. I called back and was delighted to speak with a different representative. I explained the situation and that I was prematurely disconnected and she waived the fee right away and processed my payment very politely and expeditiously. If processes are in place to ensure money is not mismanaged and all agents receive the same level of customer service training this very well could be a 5 star financial institution.

adam kvilvang

adam kvilvang

2 years ago

short paid my $800 loan payment for some reason $20 . and sent me to collections for $20. Have left messages to get a call back and resolve with no luck. Sit on hold for 10-15min every day this week waiting for someone to pick up with no luck. Will be opening a case with BBB.

Shane Nagy

Shane Nagy

2 years ago

The fees are ridiculous and getting frankly I feel like my bank is stealing from me. I'm absoluetly over banking here, worst banking experience of my life.

Dalton Madson

Dalton Madson

a year ago

Great credit union. Awesome. I've been with them for a while.

Riding in the 406

Riding in the 406

3 years ago

Poorly trained staff that don't know there policies even tho I was standing in lobby and herd that there was no problem with my low credit score and the loan but then later told no and treated horribly by staff

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).