The Liberty Federal Credit Union is a personal credit card from Liberty Federal Credit Union. The annual fee is $0. The ongoing APR is 11.75% to 18.00% variable (disclosure dated 01/17/2026) after a 1.99% intro APR on purchases for the first six billing cycles; 0% intro APR on balance transfers for the first six months introductory rate. Rewards: 3x points on rotating quarterly categories (Jan-Mar bill payments, Apr-Jun home improvements, Jul-Sep travel and entertainment, Oct-Dec restaurants and food delivery); 2x points on gas and groceries all year; 1x point per $1 on all other purchases. This product reports activity to your personal credit report.