No stored Google rating available.
Member-owned credit union serving six Florida counties since 1957, offering checking, savings, loans, mortgages, and CDs with competitive rates and higher dividends than traditional banks.
Data compiled from public sources
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Calhoun Liberty Credit Union was established in 1957 as the Calhoun Liberty Teachers Credit Union to serve local educators, but has since expanded its mission to become a community-focused financial cooperative. Today, it serves nearly 10,000 members across Calhoun, Franklin, Gulf, Gadsden, Jackson, and Liberty counties in Florida. As a member-owned, not-for-profit cooperative, the institution operates under the cooperative business model where members are owners rather than customers of a shareholder-driven entity.
The credit union offers a comprehensive suite of retail financial products including checking and savings accounts, share certificates (CDs), personal loans, home equity lines of credit, mortgages, bill pay services, and debit cards. They provide online banking access and a mobile app for remote account management. The institution advertises rate claims to verify, including mortgage specials at 6.25% APR on 5/1 ARM products, home equity lines of credit at 5.99% introductory APR for six months, and nine-month CDs at 5.00% APY. They also offer financial calculators to help members estimate loan payments and investment returns.
Calhoun Liberty distinguishes itself through its deep community roots, emphasizing social responsibility and local reinvestment. The credit union holds a 5-Star more listed rating from independent agency Bauer Financial, indicating strong financial stability. As a cooperative, the institution returns profits to members through lower fees and higher dividends compared to commercial banks. The organization explicitly positions itself as "a family devoted to community betterment" and maintains a fraud prevention commitment.
The main limitation is geographic scope—membership is restricted to residents and employees in specific Florida counties, unlike national banks or credit unions. As a smaller institution with nearly 10,000 members, CLCU may have fewer branch locations and less extensive service infrastructure than large national competitors. The website does not clearly disclose all membership eligibility criteria, fee schedules, or competitive rate comparisons, which may require direct inquiry to evaluate total cost of ownership.
This is state-level context for Credit Unions consumers in Blountstown, FL. It does not confirm that Calhoun Liberty or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Calhoun Liberty offers 12 services including Checking accounts with online and mobile banking access, Savings accounts and share accounts, Share certificates (CDs) including IRA CD options, Personal loans and installment loans, Home equity lines of credit with introductory rates, and 7 more.
Calhoun Liberty has profile signals associated with Residents and employees of Calhoun, Franklin, Gulf, Gadsden, Jackson, and Liberty counties in Florida seeking member-owned financial institution benefits, Homebuyers in the service area looking for competitive mortgage rates and personalized loan underwriting, Conservative savers interested in NCUA-insured share certificates and higher dividend yields than commercial banks, Community-minded individuals prioritizing local financial institution reinvestment over large corporate banking structures.
Key strengths: 5-Star more listed rating from Bauer Financial, indicating strong financial stability and reserve ratios; Competitive mortgage rates advertised at 6.25% APR on 5/1 ARM products; Home equity line of credit introductory rate at 5.99% APR for six months. Areas to consider: Geographic restriction: membership limited to six Florida counties (Calhoun, Franklin, Gulf, Gadsden, Jackson, Liberty), excluding most of Florida and other states; Limited branch network typical of smaller regional credit unions compared to national institutions.
In the Credit Unions category, comparable providers include American Airlines Federal Credit Union, Community First Credit Union, GTE Financial Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Calhoun Liberty Credit Union is profile signals for individuals and families living or working in six specific Florida counties who value the member-owned cooperative model and want rate claims to verify on mortgages, CDs, and savings products. The main caveat is strict geographic eligibility—membership is limited to the six-county service area, making it unsuitable for consumers outside this region, and the institution's smaller size may limit service availability compared to regional or national alternatives.
American Airlines Federal Credit Union is a credit union offering checking, savings, auto loans, mortgages, and credit cards primarily to American Airlines employees and their families.
Google rating from 67 reviews
Profile signals: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific rate claims to verify
Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.
Google rating from 1,813 reviews
Profile signals: Florida residents seeking personalized local banking with community-focused service, Consumers prioritizing financial education and wellness resources alongside banking services
GTE Financial is a credit union serving members since 1935 with checking, savings, loans, mortgages, and credit cards. They emphasize member benefits, community involvement, and rate claims to verify.
Google rating from 279 reviews
Profile signals: Local Tampa Bay residents and businesses seeking comprehensive financial services with personalized local branch support, Members prioritizing community impact and charitable giving, as evidenced by $607,000 annual donations and volunteer engagement
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