Liberty Federal Credit Union

I've been banking with the credit union just before they changed their name from 'Evansville Teachers Credit Union' to 'Liberty.' I was referred by a friend who told me about their own experiences, which convinced me to apply for a checking account. Most of their features are user-friendly, and if I don't understand something, their customer service is excellent and always helpful. I had to contact them the other day for an issue I had with their mobile app, and they were able to assist me in a short time. They are a great addition to the community, and I love how they support local businesses and schools.

"Oh, Liberty Federal Credit Union, or should I say, 'Liberty to Swindle You Union'? Let's embark on this satirical journey through the Land of Credit Scams with their credit card 'service.'

1. The 'Freedom' of High Interest Rates:
They promise you freedom, but what you get is financial bondage at interest rates so high, they might as well rename themselves 'Federal Credit Union.' You'll be paying off your vacation to Debt Island for the rest of your life!

2. The Fee Bonanza:
Oh, the fees! There's a fee for breathing near your card, a fee for looking at it, and a fee for even thinking about using it. They've got more fees than a medieval tax collector. My favorite? The 'we just felt like charging you' fee.

3. The Approval Process - A Joke:
Getting approved feels like winning the lottery, but then you realize the prize is a one-way ticket to Debtville. They approve you, but the credit limit? It's like they're handing out game money. $300? Wow, I can almost buy a sandwich with that!

4. Customer Service - Where Logic Goes to Die:
Calling customer service is like dialing into the void. If you do get through, you're greeted by someone who's been trained in the art of circular conversations. They're experts in not solving your problems while making you feel like you're the one who's hard to deal with.

5. The Rewards Program - More Like Punishment Program:
Their rewards? It's as if they reward you with the honor of paying more fees. You'd earn more points by collecting bottle caps. I once got a 'reward' of a 1% cash back - after a year of spending, I could afford... a stick of gum!

6. The Security - Or Lack Thereof:
They ask for so much personal information, you start to wonder if they're planning to clone you. And when there's fraud? It's as if they've never heard of it. 'Fraud? What's that?' they say, while your account is being drained faster than my patience.

7. The Misleading Terms:
The terms and conditions are written in 'Scam Speak.' Sign up for one thing, get something entirely different. It's like ordering a steak and getting a rubber chicken. They change terms faster than a chameleon on a disco ball.

8. The Bill Payment System - A Maze:
Paying your bill? Good luck. Their system is designed like a labyrinth where the Minotaur is a 30% late fee. Auto-pay? Sure, if you want them to randomly take out extra money 'just because.'

9. The Loan Upgrade Scam:
They lure you in with promises of 'upgrading' your loan situation, only to find out it's just a fancy term for 'let's charge you more.' It's like upgrading from a leaky boat to a sinking one.

10. The BBB Reviews - A Comedy Show:
If you look at their BBB reviews, it's a veritable comedy show of horror stories. People recount tales of woe so dramatic, they'd make Shakespeare roll over in his grave laughing.

Conclusion:
Liberty Federal Credit Union's credit card isn't just a scam; it's an art form. They've mastered the craft of turning your financial dreams into nightmares. If you're considering getting their card, you might as well throw your money into a fire and watch it burn - at least that would be more entertaining.

So, if you value your financial sanity, steer clear of this 'credit union.' Unless, of course, you've always wondered what it feels like to be financially taken advantage of with a smile.

They will charge you overdraft fees even though your transactions show you only overdrew because of their excessive fees. And then, when you call them, they will only submit a request to a manager to possibly refund the fee and refuse to let you talk with a manager. I've had enough and filed a complaint with the CFPB and will be moving my money elsewhere.

This company is crooked. They took over my car loan and immediately I began accruing late fees and late payments, although all my car loan interactions are online and I don't manually handle the payments. However, when LFCU took over, they initially decided my payments were a few cents short every month, costing me hundreds in late fees before I realized the scheme they were orchestrating. Then I spent an hour on the phone resolving that issue, only to find out a few months later the problem persisted because "my payments were no longer on time"—despite the fact that the representative who spent an hour with me didn't actually fix my account. Once I rectify the late payments, I'm certain a new issue will arise. This is because these individuals are unethical and conducting bad business. They are aware of the impact on their consumers. These are not mere errors; they are deliberate acts of dishonesty.

It has been a nightmare from day one dealing with LFCU. I have provided paperwork numerous times while I was POA for my father. They originally had his phone number wrong, which did not allow a verification code to be sent. Once my dad passed, I had to provide more paperwork stating I was the executor of his estate. I paid off the loan in two checks because Shari Bacurin gave me the wrong payoff amount. They said it would take 10 days to send out the title, which would have been August 28. Today is September 16, and I am still waiting! LeeAnn Borchelt was the only person who was kind to me during my dad's illness and death. I would never do business with Liberty Federal Credit Union again! I am still waiting on the title, and they didn't even provide a tracking number for it.

Worst customer service ever. They forced me to pay $10 to make a credit card payment and wasted 1 hour and 30 minutes to process it. Moreover, they were already prepared to make a late payment report. Stay away from this bank.

This bank is unsatisfactory as they do not provide assistance. Do not trust what they say. They are not supportive of the LGBTQIA community and encourage deadnaming of clients, refusing to allow name changes on titles even after being presented with official documentation of a court-ordered name change and marriage. They update the name on the loan without issue since they are interested in payment, but it seems they intend to cause distress by forcing people to disclose their personal information in order to pay annual personal property tax. This is because the name on the title must match, leading to potential confrontations due to the actions of Liberty Federal Credit Union. I advise not to bank here and to consider other options.

So this credit union offers 3.45 percent on checking up to 20k with 1 transfer and 15 debit transactions, 90 days after opening account with 20k, they sent me a 10k pre approval prime card offer. Nationwide membership is available.

I set up gradually a 20k checking account to get the interest 3.45, they gave me a 10k card cash back. Now with inflation gradually moving to better rates with Schwaub. One transfer and 15 debit transactions for the high rate checking.

I received an awesome rate and have always had top notch customer service. Even during the pandemic when the world was a little crazy they accepted my payment over the phone to assist me in not falling behind.

Great card, it has no annual fee and a 25 dollar a month minimum. I would recommend anyone to this card as well as the credit union.

Try changing your payment account for the car loan with them. Total pain, takes forever and they don't even change it. Had to call again to figure out they haven't updated it and ask them to call my previous bank (closed account) and stop payment. Happened twice already. Stay away from them.

Great to work with and would recommend them to anyone looking for a car loan or personal loan,, there process was seamless and fast

This is my third vehicle with them. Wouldn't use anyone else. My last vehicle was handled completely online and in different states. Perfect.

Their Vertical Checking Account is second to none. 3.3% APY, you just can't find that anywhere and they pay interest up to $20k balance. That's up to $55/month in interest on a checking account. Have always had a good experience at the branches and when I've had to call on the phone. They also refund up to (15?) ATM fees each month. Love this checking account.

Also opened my first home mortgage through them (which the subsequently sold to another lender). They saved me a LOT of money both up front and on the monthly payment versus other lenders I shopped who told me I wouldn't quality for USDA (rural) loan. They got me into that program no problem and the process was 100% painless as a first time buyer.

I applied to refinance my auto loan through them to get all my financial products under one roof. They came back 3% APR higher than my current lender, and my credit has improved substantially since I took out the original loan, so I would have expected a better rate, not worse. So unfortunately their auto loan rates do not seem competitive, your mileage may vary.