Accounts for every need. Great rates for every budget.

Whatever your financial goals, Liberty Bank wants to see you succeed. It’s why we offer better rates for savers and lower rates for borrowers. And we help you take control of your finances and plan for the future with confidence. Interest rates displayed on this page are current. Use the toggle to switch between personal and business accounts.

Savings Rates


Account NameInterest RateAPY¹
Celebration Savings2
$.01 - $100,000
0.3% 0.3%
Cinch Savings
$25,000+ 0.2% 0.2%
$10,000 - $24,999.99 0.1% 0.1%
$.01 - $9,999.99
0.05% 0.05%
Club Savings
$50,000+ 0.15% 0.15%
$25,000 - $49,999.99 0.1% 0.1%
$10,000 - $24,999.99 0.05% 0.05%
$.01 - $9,999.99 0.05% 0.05%
Savings Overdraft Protection
$75,000+ 0.15% 0.15%
$50,000 - $74,999.99 0.1% 0.1%
$25,000 - $49,999.99 0.1% 0.1%
$10,000 - $24,999.99 0.05% 0.05%
$.01 - $9,999.99 0.05% 0.05%
Learn more about our great savings accounts.

Disclosures

Rates are effective as of September 23, 2020.

  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.
  2. Remaining daily balances over $100,000 earn .15% 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 Rate is variable and offer may be withdrawn at any time.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).

Health Savings Account (HSA) Rates


Account NameInterest RateAPY¹
Health Savings Account
$5,000.00+ 0.3% 0.3%
$2,500 - $4,999.99 0.2% 0.2%
$0.01 - $2,499.99
0.1% 0.1%
Learn more about our Health Savings Accounts and open an account today.

Disclosures

Rates are effective as of September 23, 2020.

  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.

Certificates of Deposit (CD) Rates


TermsInterest RateAPY¹
32-Day CD 0.1% 0.1%
3-Month CD 0.1% 0.1%
6-Month CD 0.1% 0.1%
1-Year CD 0.35% 0.35%
2-Year CD 0.5% 0.5%
30-Month CD
(Not available for IRA)
0.6% 0.6%
3-Year CD 0.6% 0.6%
4-Year CD 0.75% 0.75%
5-Year CD 0.75% 0.75%
Learn more about our certificates of deposit and open an account today.

Disclosures

Rates are effective as of September 23, 2020.

  1. The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. The stated yield for CDs less than one year assumes the reinvestment of principal and interest at the same rate, although that rate may not be available upon renewal. Fees and other conditions could reduce earnings. CDs are subject to a penalty for early withdrawal. Minimum to open a CD is $500 and the minimum required to earn APY is $500.

 

    Money Market Rates


    Account NameInterest RateAPY¹
    Money Maker2
    $200,000+ 0.4% 0.4%
    $150,000 - $199,999.99    0.25% 0.25%
    $100,000 - $149,999.99        0.15% 0.15%
    $50,000 - $99,999.99 0.1% 0.1%
    $25,000 - $49,999.99 0.05% 0.05%
    $0.01 - $24,999.99 0.05% 0.05%
    Learn more about our money market accounts and open an account today.

    Disclosures

    Rates are effective as of September 23, 2020.

    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.
    2. Minimum  to open is $25. Maximum balance per household is $500,000.00. 

    Checking Rates


    Account NameInterest RateAPY¹
    High Rate Checking1 0.25% 0.25%
    Learn more about our checking accounts and debit cards.

    Disclosures

    Rates are effective as of September 23, 2020.

    1. Daily balances of $0.01 - $4,999.99 earn 0.00% Annual Percentage Yield (APY), 0.00% Interest Rate, and remaining balances over $5,000.00 earn 0.25% APY, 0.25% Interest Rate. Rate is variable and is subject to change at any time. Minimum daily balance to earn APY is $5,000.00. $500.00 minimum to open. Consumer accounts only. Limit one account per customer. Must establish direct deposit within 90 days or complete 5 Liberty Bank Debit Card transactions within 60 days. Subject to 1099 reporting. Account fees may reduce earnings. Avoid $2.00 monthly paper statement fee with eStatements (account holders age 65 or older are exempt).

    Mortgage Rates


    Account NamePointsRateAPR¹
    15 Year Fixed Mortgage2 0 2.75% 2.848%
    30 Year Fixed Mortgage3 0 3.25% 3.305%
    10/1 ARM AutoPay4 0 3% 2.954%
    Learn more about the mortgages we offer and meet our home-lending professionals.

    Apply Online

     

    Disclosures

    Rates effective as of:

    1. Annual Percentage Rate (APR) and rate posted are indications only, are subject to change without notice and qualification is subject to credit, underwriting and property approval. Your actual rate and/or points may be different as many factors go into providing you with a mortgage loan. If the Borrower resides in CT, a Liberty Bank checking account is required, otherwise add .25% to the rate. If the Borrower does not reside in CT, a Liberty Bank checking account or preauthorized payments from a non-Liberty Bank account is required, otherwise add .25% to rate. The information provided assumes the purpose of the loan is to purchase a single family home as a primary residence with a loan amount of $240,000 and an estimated property value of $320,000 (25% down payment or a maximum loan to value of 75%) with no subordinate financing. The minimum credit score is 740, an escrow account is required and the rate lock period is 60 days.

    2. The payment schedule would be 179 payments of $1,628.69 and 1 payment of $1,629.09. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater.

    3. The payment schedule would be 359 payments of $1,044.50 and 1 payment of $1,041.49. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater.

    4. 10/1 Adjustable Rate Autopay payment schedule would be 120 payments of $1,011.85 at an interest rate of 3.00%, 239 payments of $989.17 at an interest rate of 2.75% and 1 payment of $988.76 at an interest rate of 2.75%. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater.

    Liberty Bank NMLS #459028

    Home Equity Rates


    TypeMin/Max Line/Loan AmountLTVCurrent RateAPR
    SoLo Home Equity Line1$50,000 - $500,000
    Annual Fee: $50
    ≤80% LTV 2.49% fixed for the first 12 months then Prime Minus 0.50% 2.49%
    Home Equity Line2$10,000 - $24,999
    Annual Fee: $50
    ≤80% LTV Prime Plus 1.25% 4.5%
    Home Equity Line3$25,000 - $500,000
    Annual Fee: $50
    ≤80% LTV Prime Minus 0.50% 3%
    Good Neighbor Home Equity Line4$1,000 - $10,000 ≤105% LTV 3.25% 3.25%
    5 Year Fixed Home Equity Loan5,6$5,000 - $500,000 ≤80% LTV 3.50% 3.5%
    10 Year Fixed Home Equity Loan5,7$5,000 - $500,000 ≤80% LTV 3.75% 3.75%
    15 Year Fixed Home Equity Loan5,8

    $5,000 - $500,000

    ≤80% LTV 4.50% 4.5%
    20 Year Fixed Home Equity Loan5,9

    $5,000 - $500,000

    ≤80% LTV 5.00% 5%
    Learn more about our home equity loans and lines.

    Apply Online

     

    Disclosures

    As of 03/16/2020 Prime Rate is 3.25%

    1. Not available to existing Liberty Bank Home Equity Line customers, unless the current Liberty home equity is within 24 months of the end of the draw period. Promotional Annual Percentage Rate (APR) of 2.49% is fixed for the first 12 full billing cycles. After fixed rate promotional period, the APR is a variable rate based on the Wall Street Journal’s Prime Rate minus .50%. As of 03/16/2020, Prime Rate is 3.25% with an APR of 3.00%. The minimum APR for the life of this line, after the first 12 full billing cycles is 3.00%; maximum is 18%. The APR includes a .25% Autopay interest rate discount requiring automatic deduction from a Liberty Bank account for Borrowers who reside in CT or automatic deduction from a non-Liberty Bank account for Borrowers who do not reside in CT. Minimum line is $50,000; the maximum is $500,000. Annual fee of $50 due each year of the draw period beginning with the 12th billing cycle. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000, the property is mortgage free or has a first mortgage held by Liberty and the applicant has a minimum FICO score of 680. Contact your local Liberty Bank branch office for additional LTV limits that are applicable if total liens exceed $1,000,000, if Liberty Bank is in second lien position, or if the property is a second home. Offer for 1-4 family, owner-occupied properties located in CT, MA and RI that are not currently listed for sale and have not been listed in the previous 90 days. A one-time $500 early termination fee will be assessed if you close your account within the first two years. Consult your tax advisor regarding deductibility. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Offer subject to change without notice. All loans are subject to credit and underwriting approval.
    2. Annual Percentage Rate (APR) is a variable rate and will be based on the “Wall Street Journal’s” Prime plus 125 basis points. As of 03/16/2020, Prime Rate is 3.25% and the APR is 4.50%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $10,000, maximum is $24,999. Annual fee of $50.00 due each year of the Draw Period beginning with the 12th billing cycle. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000, the property is mortgage free or has a first mortgage held by Liberty and the applicant has a minimum FICO score of 680. Contact your local Liberty Bank branch office for additional LTV limits that are applicable if total liens exceed $1,000,000, if Liberty Bank is in second lien position, or if the property is a second home. Offer for 1-4 family, owner-occupied properties located in CT, MA and RI that are not currently listed for sale and have not been listed in the previous 90 days. Consult your tax advisor regarding deductibility. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Offer subject to change without notice. All loans are subject to credit and underwriting approval.
    3. Annual Percentage Rate (APR) is a variable rate and will be based on the “Wall Street Journal’s” Prime Rate minus 50 basis points. As of 03/16/2020, Prime Rate is 3.25% and the APR is 3.00%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $25,000, maximum is $500,000. Annual fee of $50.00 due each year of the Draw Period beginning with the 12th billing cycle. The APR listed above includes an Autopay feature which represents a .25% interest rate discount for automatic deduction from a Liberty Bank account for Borrowers who reside in CT or automatic deduction from a non-Liberty Bank account for Borrowers who do not reside in CT. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000, the property is mortgage free or has a first mortgage held by Liberty and the applicant has a minimum FICO score of 680. Contact your local Liberty Bank branch office for additional LTV limits that are applicable if total liens exceed $1,000,000, if Liberty Bank is in second lien position, or if the property is a second home. Offer for 1-4 family, owner-occupied properties located in CT, MA and RI that are not currently listed for sale and have not been listed in the previous 90 days. A one-time $500 early termination fee may be assessed if you close your account within the first two years. Consult your tax advisor regarding deductibility. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Offer subject to change without notice. All loans are subject to credit and underwriting approval.
    4. Annual Percentage Rate (APR) is a variable rate and will be based on the "Wall Street Journal's" Prime rate. As of 03/16/2020, Prime Rate is 3.25% and the APR is 3.25%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $1,000, maximum is $10,000. Offer for 1-4 family, owner-occupied properties in designated areas in the following cities/towns: Ansonia, Bloomfield, Bristol, Derby, East Hartford, East Haven, Enfield, Groton, Hamden, Hartford, Manchester, Meriden, Middletown, New Britain, New Haven, New London, Norwich, Plainville, Shelton, Waterbury, West Hartford, West Haven, Windham, and Windsor that are not currently listed for sale and have not been listed in the previous 90 days. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor regarding deductibility of interest and charges. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Limited funds available. Offer subject to change without notice. All loans are subject to credit and underwriting approval. Ask a Loan Officer for details.
    5. Annual Percentage Rate (APR) and rate posted are indications only, are subject to change without notice and qualification is subject to credit, underwriting and property approval. Your actual rate and/or points may be different as many factors go into providing you with a mortgage loan. The property must be located in CT, MA or RI and requires a Liberty Bank checking account for Borrowers who reside in CT or preauthorized payments from a non-Liberty Bank account for Borrowers who do not reside in CT, otherwise add .25% to the rate. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000, the property is mortgage free or has a first mortgage held by Liberty and the applicant has a minimum FICO score of 680. A one-time $500 early termination fee will be assessed on loans of $25,000 or more if you close your account within the first two years. Homeowners insurance required. Flood insurance may be required. Trust fees may apply.
    6. The information provided assumes single family home, primary residence with a loan amount of $50,000 and a maximum combined loan to value of 80%.  At a 3.50% interest rate, the APR would be 3.50%. The monthly payment schedule would be 59 payments of $909.59 and 1 payment of $909.40. The payment amount shown includes principal and interest. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment.  For loans in First Lien position, additional .50% discount to interest rate and APR applies
    7. The information provided assumes single family home, primary residence with a loan amount of $50,000 and a maximum combined loan to value of 80%.  At a 3.75% interest rate, the APR would be 3.75%. The monthly payment schedule would be 119 payments of $500.31 and 1 payment of $499.76. The payment amount shown includes principal and interest. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment.  For loans in First Lien position, additional .50% discount to interest rate and APR applies.
    8. The information provided assumes single family home, primary residence with a loan amount of $50,000 and a maximum combined loan to value of 80%. At a 4.50% interest rate, the APR would be 4.50%. The monthly payment schedule would be 179 payments of $382.50 and 1 payment of $381.69. The payment amount shown includes principal and interest. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment.  For loans in First Lien position, additional .50% discount to interest rate and APR applies.
    9. The information provided assumes single family home, primary residence with a loan amount of $50,000 and a maximum combined loan to value of 80%. At a 5.00% interest rate, the APR would be 5.00%. The monthly payment schedule would be 239 payments of $329.98 and 1 payment of $329.12. The payment amount shown includes principal and interest. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment.  For loans in First Lien position, additional .50% discount to interest rate and APR applies.

    Liberty Bank NMLS #459028

    Business Savings Rates


    Account NameInterest RateAPY¹
    Cinch Business Savings
    $25,000.00+ 0.35% 0.35%
    $10,000 - $24,999.99 0.2% 0.2%
    $0.01 - $9,999.99 0.05% 0.05%
    Business Savings Overdraft
    $75,000+ 0.15% 0.15%
    $50,000 - $74,999.99 0.1% 0.1%
    $25,000 - $49,999.99 0.1% 0.1%
    $10,000 - $24,999.99 0.05% 0.05%
    $0.01 - $9,999.99 0.05% 0.05%
    Learn more about our business savings accounts.

    Disclosures

    Rates are effective as of September 23, 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. Minimum to open is $25.

      Business Certificates of Deposit Rates


      TermsInterest RateAPY¹
      3-Month Business CD 0.1% 0.1%
      6-Month Business CD 0.1% 0.1%
      1-Year Business CD 0.35% 0.35%

      Learn more about our business certificates of deposit and open an account today.

      Disclosures

      Rates are effective as of September 23, 2020.

      1. The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. The stated yield for Business CDs less than one year assumes the reinvestment of principal and interest at the same rate, although that rate may not be available upon renewal. Fees and other conditions could reduce earnings. Business CDs are subject to a penalty for early withdrawal. Minimum to open a 6 Month and 1 Year Business CD is $5,000 and the minimum required to earn APY is $5,000. The minimum to open a 3 Month Business CD is $500 and the minimum required to earn APY is $500.

      Business Money Market Rates


      Account NameInterest RateAPY¹
      Business Money Maker
      $50,000+ 0.3% 0.3%
      $25,000 - $49,999.99 0.1% 0.1%
      $0.01 - $24,999.99 0.05% 0.05%
      Max Money Market3
      $0.01 - $250,000.00 0.45% 0.45%
      Municipal Money Market Preferred2
      $500,000+ 0.2% 0.2%
      $100,000 - $499,999.99 0.15% 0.15%
      $25,000 - $99,999.99 0.1% 0.1%

      Disclosures

      Rates are effective as of September 23, 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. Requires a main operating checking account with Liberty Bank. Municipalities only. Minimum balance to earn APY is $25,000.
      3. Funds currently on deposit with Liberty Bank cannot be used to open this account or make additional deposits to this account. $500 minimum to open. Daily balances of $0.01 - $250,000.00 earn 0.45% APY, 0.45% Interest Rate. Remaining balances over $250,000.00 earn 0.10% APY, 0.10% Interest Rate. Rate is variable and is subject to change at any time.Subject to 1099 reporting. Account fees may reduce earnings. Business accounts only. One account per customer. Avoid $2.00 monthly paper statement fee with eStatements.

      Related Products and Services

      Personal Lending

      From buying your first home to building your dream kitchen, our loans are designed to fit your unique needs.

      Business Lending

      Loans for every sized business. Namely yours.

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

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      Disclaimer: Links to third party sites are provided for your convenience. These sites are not within the control of Liberty Bank and may not follow the same privacy, security, or accessibility standards as Liberty Bank. By accessing the SmartLenders Program via the provided link, you acknowledge the SmartLenders Program is not under the control of Liberty Bank. Liberty Bank does not warrant or endorse any offerings from third party providers, nor is Liberty Bank responsible for the security, content or availability of any third party sites or their partners including SmartLenders or the lenders that may be accessed by you through your use of the SmartLenders Program (the “Lenders”). Under no circumstances will Liberty Bank be responsible for any damages arising from the transactions between you and any Lenders or for any information appearing on SmartLenders’ site. SmartLenders will provide Liberty Bank with the following information about your application: applicant name; type of company; email address; loan amount requested; and progress status toward approval and funding. Liberty Bank may use this information to monitor your experience with SmartLenders and market Liberty’s services to you.