Savings accounts to grow your money and your confidence.

Our savings accounts are a great way to save for the future. Watch your money grow with competitive interest rates that go up as your balance grows. Stay in control of your finances with unlimited access to your money and low-to-no minimum balances or monthly service charges. Ready to turn your savings up? We’ve made it easy to open an account online or in any of our Connecticut locations.

Compare Our Savings Accounts

With convenient access to your money and no-to-low minimum balances, you’ll find plenty of encouragement to save with Liberty Bank. All of our accounts offer:

Cinch Savings

Club Savings

Savings Overdraft Protection

Free use of Liberty and non-Liberty ATMs1 Make regular deposits and we’ll mail you a check for your balance, plus interest, in October—just in time for holiday shopping Automatically transfers funds to cover overdrafts (requires a Liberty Bank checking account)
Open a Cinch Account To open an account, visit a Liberty branch. To open an account, visit a Liberty branch.
Minimum balance to avoid monthly maintenance service charge $0 $0 $1002
Monthly maintenance service charge $0 $0 $33
Minimum opening deposit $25 $5 $25
Overdraft transfer fee NA NA $5/transfer

Free eStatements
$2 paper

Free eStatements
$2 paper

Free eStatements
$2 paper


  1. 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. If you notify us that you are 65 years of age or older, or 18 and under, this fee is waived.
  4. Account holders age 65 or over, individual development accounts, health savings accounts, Basic Checking and IOLTA/IORETA accounts are exempt from Paper Statement Fee.

Savings Rates

Account NameInterest RateAPY¹
Celebration Savings2
$.01 - $100,000
0.75% 0.75%
Cinch Savings
$25,000+ 0.45% 0.45%
$10,000 - $24,999.99 0.25% 0.25%
$.01 - $9,999.99
0.05% 0.05%
Club Savings
$50,000+ 0.2% 0.2%
$25,000 - $49,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.1% 0.1%
$.01 - $9,999.99 0.05% 0.05%
Savings Overdraft Protection
$75,000+ 0.45% 0.45%
$50,000 - $74,999.99 0.4% 0.4%
$25,000 - $49,999.99 0.25% 0.25%
$10,000 - $24,999.99 0.15% 0.15%
$.01 - $9,999.99 0.05% 0.05%

Looking for rates for other Liberty Bank accounts? View all of our rates.


Rates are effective as of February 19, 2020.

  1. The Interest Rate and Annual Percentage Yield (APY) are as of the effective date and are subject to change without notice.  Fees may reduce earnings.
  2. Remaining daily balances over $100,000 earn .20% APY. Rate is variable and offer may be withdrawn at any time. $500 minimum to open. Funds currently on deposit with Liberty Bank cannot be used to open this account or to make additional deposits to this account. Subject to 1099 reporting. Account fees may reduce earnings. Avoid $2 monthly paper statement fee with eStatements (account holders age 65 or over are exempt).

With Liberty Bank, you're going places. In this case, to a different website.

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