At a glance
From its website, read 2 Nov 2026Calhoun Liberty Credit Union is a credit union based in Blountstown, Florida. Its website describes auto loans, credit-builder loans, home mortgages and 1 other loan type. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (850) 674-4527 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.clecu.org |
| Office (official list) | 16076 State Road 71 S, Blountstown, FL 32424 |
What their website says about applying
Complete a membership application
sourceProvide a valid photo ID, proof of current address and your Social Security card
sourceDeposit the $5 membership fee and sign for your new account
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Membership required
To Join CLCU, you need to:
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Jun 2026 |
| RSSD ID | 826590 |
| Address | 16076 State Road 71 S, Blountstown, FL 32424 Directions (Google Maps) |
| Website | www.clecu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and terms were not stated on the pages fetched, and the loan pages describe products only in general terms. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Get behind the wheel with a car loan that makes sense. | source |
| Credit-builder loans | — | Using your CLCU savings account as collateral, you can borrow money and build credit. | source |
| Home mortgages | — | Finance your dream home or refinance your current property. | source |
| Personal / consumer loans | — | Get the help you need to cover life’s expenses with a personal loan. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now for a Loan
source
Pages read (7)
- https://calhounlibertycu.com/
- https://calhounlibertycu.com/join-clcu/
- https://calhounlibertycu.com/apply-for-a-loan-make-payment/
- https://calhounlibertycu.com/when-is-the-right-time-to-take-out-a-personal-loan/
- https://calhounlibertycu.com/contact-clcu/
- https://calhounlibertycu.com/about-clcu/
- https://calhounlibertycu.com/auto-loans-made-simple-what-to-know-before-you-buy-a-vehicle/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.2 million in 3 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $640,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CALHOUN LIBERTY (charter 67431). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $179.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 9,212 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Florida (5 offices)
- Calhoun County (2): 16076 State Road 71 S, Blountstown 32424 (main office); 17394 NW Charlie Johns St, Blountstown 32424
- Clay County (1): 7022 Cooperative Way, Keystone Heights 32656
- Leon County (1): 2916 Apalachee Pkwy, Tallahassee 32301
- Liberty County (1): 10640 NW Main St, Bristol 32321
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Calhoun Liberty Credit Union (NCUA charter 67431, filed as “CALHOUN LIBERTY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $130.1 million, 5,551 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 11.1% from $117.1 million on 30 Jun 2025 |
| Members | 9,212 (as of 30 Jun 2026); 9,198 (as of 30 Jun 2025) |
| Loans per member | $14,122 (total loans divided by members, 30 Jun 2026) |
| Total assets | $179.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $11.5 million | 8.8% |
| Used vehicle loans | $17.9 million | 13.7% |
| First-lien home mortgages (1-4 family) | $69.4 million | 53.3% |
| Other real estate loans (junior liens, other) | $949,529 | 0.7% |
| Commercial (business) loans | $4.2 million | 3.2% |
| Credit cards | $1.7 million | 1.3% |
| Other unsecured loans | $9.6 million | 7.4% |
| Leases and other secured loans | $15 million | 11.5% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Calhoun Liberty Credit Union reported 79 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $18.4M (median loan about $195,000). 18 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 18 | 23% |
| Refinance (incl. 21 cash-out) | 23 | 29% |
| Other purpose | 38 | 48% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 79 | 100% |
Included above: 6 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 12 counties with at least one; 99% of its 2025 loans were for properties in Florida:
- Calhoun County, FL (25)
- Liberty County, FL (19)
- Franklin County, FL (14)
- Jackson County, FL (9)
- Gulf County, FL (4)
Filed under LEI 89450050X5UV1V72BV64 as “Calhoun Liberty Credit Union”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $179.8 million | Larger than 11% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 72% | Median of the same 19 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $117.1 million → $130.1 million (+11%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 17 → 17. |
| Home loans originated in 2025 (HMDA) | 79 | More than 37% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 11% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 17 → 17 of 20 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 37% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Blountstown and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Central County Community Development CorporationLoan fund · Fort Lauderdale, FLSmall-business loansVerified
- Community South Credit UnionCredit union · Chipley, FLAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
Work at Calhoun Liberty Credit Union? Link to this page
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