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Eligibility

Applying is fast and easy!

You will need the following information in order to complete the application:

Your driver's license

You may also use another form of identification, like government issued photo ID, state ID, or a military ID.
Save time by scanning the back of your driver's license to populate the form!
You will also need to upload the front of your ID.

Your complete physical and mailing address

If your current address does not match your ID, we will need a proof of your current address.
This can be a paystub, utility bill, tax bill, or vehicle registration.

Funding method

Your new account can be funded through a debit or credit card, ACH using a routing and account number from another financial institution, or a check.

Unfreeze your credit

If you have placed a security freeze on your credit report, please contact the credit bureau(s) to have it lifted before proceeding with your application.

Select your eligibility

I am a new member and I am eligible for membership through my employer, an organization, or a member of my family/household.

Please enter the employer, organization, or family/household member that makes you eligible.

I am a new member and I am not eligible through my employer, an organization, or a member of my family/household. I am willing to donate $5 to the Mater Dei Friends & Alumni Association in order to become eligible for membership.

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Required Products

Select at least one of the following products required for membership

Regular Share

The regular share account is similar to a savings account. In order to become a member of Liberty FCU, a regular share account must be opened with a minimum deposit of $5.

APY: 0.010% Min Deposit: $5.00

You may select one of the following products

Available Products

Recommended Certificate Account HSA Savings

3 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.250% Min Deposit: $1,000.00

4 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.250% Min Deposit: $1,000.00

5 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271

APY: 1.250% Min Deposit: $1,000.00

6 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 4.500% Min Deposit: $1,000.00

8 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.450% Min Deposit: $1,000.00

9 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 4.350% Min Deposit: $1,000.00

10 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.450% Min Deposit: $1,000.00

1 Year Certficate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.450% Min Deposit: $1,000.00

14 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.650% Min Deposit: $1,000.00

17 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 4.250% Min Deposit: $1,000.00

18 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 1.650% Min Deposit: $1,000.00

2 Year Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 3.250% Min Deposit: $1,000.00

30 Month Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 3.250% Min Deposit: $1,000.00

3 Year Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 3.250% Min Deposit: $1,000.00

4 Year Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 3.500% Min Deposit: $1,000.00

5 Year Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 3.500% Min Deposit: $1,000.00

6 Year Certificate

Standard certificate only. For IRA/HSA certificates, please contact us at 800-800-9271.

APY: 3.750% Min Deposit: $1,000.00

Vertical Checking

Earn an incredible 3.50% APY on balances up to $20,000—plus enjoy free ATMs anywhere—when you meet simple monthly usage requirements! No minimum balance and no monthly service fees apply.

_{Liberty FCU allows one Vertical Checking account per SSN.}

APY: 3.500% Min Deposit: $25.00

Platinum Rewards Checking

With Platinum Rewards Checking, you can earn valuable reward points on every qualifying debit card purchase, plus 500 bonus points and free ATMs each month you meet simple usage requirements! You’ll also enjoy no minimum balance and no monthly service fees.

APY: 0.005% Min Deposit: $25.00

Health Savings Checking

A Health Savings Account is an account to save for future medical expenses. You must have an HSA-qualified “high deductible health plan” and meet other requirements to open and contribute to an HSA. Health Savings Checking Accounts are restricted to one account per social security number.

APY: 2.010%

Special Share

Similar to the regular share account, the special share account allows you to save separately under the same member number. Special share accounts can be earmarked for any saving purpose, such as taxes, insurance, or college tuition.

APY: 0.010% Min Deposit: $5.00

Christmas Club

Saving for Christmas is easier when you open a Christmas Club account. With an Liberty FCU Christmas Club account, you can make withdrawals as necessary at any time without closing the account.

APY: 0.010% Min Deposit: $5.00

Vacation Club

How often have you longed to get away but didn’t have the funds to get you there? A vacation club account offers the perfect opportunity to save for a well-deserved vacation!

APY: 0.010% Min Deposit: $5.00

Money Market

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. This can be very useful if you need access to your money quickly.

Max APY: 1.250% Min Deposit: $1,000.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.25%	0.250%	$1,000.00	$1,000.00	N/A
.	0.25%	0.250%	$10,000.00	$1,000.00	N/A
.	0.50%	0.500%	$25,000.00	$1,000.00	N/A
.	1.24%	1.250%	$50,000.00	$1,000.00	N/A

Dividend Rate	0.25%
APY:	0.250%
Minimum Balance:	$1,000.00
Min Deposit:	$1,000.00
Term (months):	N/A

Dividend Rate	0.25%
APY:	0.250%
Minimum Balance:	$10,000.00
Min Deposit:	$1,000.00
Term (months):	N/A

Dividend Rate	0.50%
APY:	0.500%
Minimum Balance:	$25,000.00
Min Deposit:	$1,000.00
Term (months):	N/A

Dividend Rate	1.24%
APY:	1.250%
Minimum Balance:	$50,000.00
Min Deposit:	$1,000.00
Term (months):	N/A

Please answer the following question(s)

Payable-On-Death Beneficiaries

Do you wish to add Payable-On-Death beneficiaries to the account you are requesting on this application?

You should not list yourself or any joint owner of this application as a beneficiary.
Beneficiary percentages will be evenly distributed amongst up to 4 individuals, trusts, or organizations.
Any designated Payable-On-Death beneficiaries will be added to all accounts opened on this application.

*

First Beneficiary Type*

First Beneficiary Name*

First Beneficiary Date of Birth*

First Beneficiary SSN (last four digits)

First Beneficiary Relationship*

Do you have a second beneficiary to add?*

Second Beneficiary Type*

Second Beneficiary Name*

Second Beneficiary Date of Birth*

Second Beneficiary SSN (last four digits)

Second Beneficiary Relationship*

Do you have a third beneficiary you would like to add?*

Third Beneficiary Type*

Third Beneficiary Name*

Third Beneficiary Date of Birth*

Third Beneficiary SSN (last four digits)

Third Beneficiary Relationship*

Do you have a fourth beneficiary you would like to add?*

Fourth Beneficiary Type*

Fourth Beneficiary Name*

Fourth Beneficiary Date of Birth*

Fourth Beneficiary SSN (last four digits)

Fourth Beneficiary Relationship*

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Description

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Funding

How much do you want to deposit?

Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Credit Card (max $1,200.00)

Transfer From Another Financial Institution (max $1,200.00)

Internal Transfer

Funds Availability Notice

Account-opening deposits, including debit/credit card, internal transfer, or external deposit, will be applied to accounts immediately upon account approval. The funds will be held until we receive credit for the deposit, which could take up to 7 business days. Accounts that earn interest will begin earning interest immediately upon account approval.

I understand the aforementioned notice and agree to fund my account via the method selected.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Funding Source

Have comments

Please answer the following question(s)

Certification and Backup Withholding Information

The taxpayer identification number (TIN) on this form is correct.

I am not subject to backup withholding because: I am exempt from backup withholding, or I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or the IRS has notified me that I am no longer subject to backup withholding.

I am a US Citizen or US Person.

I certify under penalty of perjury that the above information (1-3) is accurate.

*

I have selected "No" for the following reason(s):*

Per the IRS, backup withholding applies.I am not a US person or a US resident alien.

Additional Questions

Do any of the following apply to you?

I am a politically exposed person (PEP) or a senior political figure. This includes a senior official of a foreign government or major foreign political party, or an executive of a government owned corporation.
I am an employee of an embassy, foreign consulate, or foreign mission.
Transactions in my account will involve dealings with any of the above.

*

I have selected "YES" for the following reason(s):*

Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

I/We have read the Important Information About Share Accounts and Important Information About Certificates and agree to the disclosures contained therein.

I/We acknowledge receipt of the Privacy Notice.

I/We have reviewed the Consumer Fee Schedule.

Email Agreements & Disclosures

Your E-mail Address

The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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Authentication Questions

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Product Funding Limit Exceeded

The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.

Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

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