Savings Accounts

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CinchSM Savings

No minimum balance and no monthly fees.

Open Online
Overdraft Savings

Automatically transfers funds to cover overdrafts (requires a Liberty Bank checking account).

Open Online
Club Savings

Make regular deposits and we’ll mail you a check for your balance, plus interest, in October — just in time for holiday shopping.

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CinchSM Savings

Free use of Liberty and non-Liberty ATMs1

Overdraft Savings

Automatically transfers funds to cover overdrafts (requires a Liberty Bank checking account)

Club Savings

Make regular deposits and we’ll mail you a check for your balance, plus interest, in October—just in time for holiday shopping
To open an account, visit a Liberty branch.
Minimum balance to avoid monthly maintenance service charge$0$1002$0
Monthly maintenance service charge$0$33$0
Minimum opening deposit$25$25$5
Statements4Free eStatements
$2 paper
Free eStatements
$2 paper
Free eStatements
$2 paper

Disclosures

If the account owner is under the age of 16, the account must be a joint with a parent or guardian.

  1. While we do not charge for use of Liberty and non-Liberty ATMs, other banks may charge you to use their machine. We do not rebate these ATM surcharges.
  2. If at any time during the statement period your balance falls below the Required Minimum Daily Balance, you will be assessed a Monthly Maintenance Service Charge.
  3. Fee waived if the primary account owner is 65 years of age or older, or 18 and under.
  4. Account owners age 65 or over, Individual Development Accounts, Health Savings Accounts, IRA Money Market Fund, and Lease Security - Tenant are exempt.

Savings Rates

Account Balance Interest Rate APY1
CinchSM Savings
$25,000+ 0.10% 0.10%
$10,000 - $24,999.99 0.05% 0.05%
$0.01- $9,999.99 0.05% 0.05%
Account Balance Interest Rate APY1
Overdraft Savings
$75,000+ 0.15% 0.15%
$50,000 - $74,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.05% 0.05%
$.01 - $9,999.99 0.05% 0.05%
Account Balance Interest Rate APY1
Club Savings
$75,000+ 0.15% 0.15%
$50,000 - $74,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.05% 0.05%
$.01 - $9,999.99 0.05% 0.05%

Disclosures

Rates are effective as of February 21, 2024.

  1. The Interest Rate and Annual Percentage Yield (APY) are as of the effective date and are subject to change without notice. Subject to 1099 reporting. Fees may reduce earnings.

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