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
1% 1%
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+ 0.2% 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
$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%
Learn more about our great savings accounts.

Disclosures

Rates are effective as of December 12, 2018.

  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 Club Savings is $5. Minimum to open Cinch Savings or Savings Overdraft Protection is $25.
  2. Offer effective October 22, 2018. Remaining daily balances over $100,000 earn .20% APY. Rate guaranteed until 12/31/2019, then is subject to change without notice. Offer may be withdrawn at any time.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 are exempt).

Health Savings Account (HSA) Rates


Account NameInterest RateAPY¹
Health Savings Account
$5,000.00+ 0.5% 0.5%
$0.01 - $5,000.00
0.35% 0.35%
Learn more about our Health Savings Accounts and open an account today.

Disclosures

Rates are effective as of December 12, 2018.

  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. 

Certificates of Deposit (CDs) Rates


TermsInterest RateAPY¹
32-Day CD 0.1% 0.1%
3-Month CD 0.35% 0.35%
6-Month CD 0.65% 0.65%
1-Year CD 0.75% 0.75%
2-Year CD 0.9% 0.9%

30-Month CD 

(Not available for IRA)
1.24% 1.25%
3-Year CD 1.24% 1.25%
4-Year CD 1.24% 1.25%
5-Year CD 1.24% 1.25%
Learn more about our certificates of deposit and open an account today.

Disclosures

Rates are effective as of December 12, 2018. 

  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
    $50,000+ 0.65% 0.65%
    $25,000 - $49,999.99 0.25% 0.25%
    $0.01 - $24,999.99 0.1% 0.1%
    Learn more about our money market accounts and open an account today.

    Disclosures

    Rates are effective as of December 12, 2018. 

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

    Checking Rates


    Account NameInterest RateAPY¹
    High Rate Checking1 1% 1%
    Learn more about our checking accounts and debit cards.

    Disclosures

    Rates are effective as of December 12, 2018.

    1. Daily balances of $0.01 - $4,999.99 earn 0.00% APY, 0.00% Interest Rate, and balances of $5,000.00 or more earn 1.00% Annual Percentage Yield (APY), 1.00% Interest Rate guaranteed through 5/31/2019 then subject to change without notice. $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. Not eligible for $100 checking offer or $250 checking offer for HSA customers. Offer may be withdrawn at any time, subject to 1099 reporting, and 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 4.25% 4.352%
    30 Year Fixed Mortgage3 0 4.625% 4.684%
    10/1 ARM AutoPay4 0 4% 4.569%
    Learn more about the mortgages we offer and meet our home-lending professionals.

    View More Rates & 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. The property must be located in CT and requires a Liberty Bank checking account for borrowers who reside in Liberty Bank’s assessment area, otherwise add .25% to the rate. A Liberty Bank checking account or pre-authorization payment from a non-Liberty Bank account for borrowers who do not reside in Liberty Bank’s assessment area, otherwise add .25% to the 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 $1,805.47 and 1 payment of $1,804.94. 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 $1,233.93 and 1 payment of $1,237.87. 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 $1,145.80 at an interest rate of 4.00%, 239 payments of $1,287.35 at an interest rate of 5.375% and 1 payment of $1,288.14 at an interest rate of 5.375%. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater

    Liberty Bank NMLS #459028 Equal Housing Lender

    Home Equity Rates


    TypeMin/Max Line/Loan AmountLTVCurrent RateAPR
    Home Equity Line1$10,000 - $24,999
    Annual Fee: $50
    ≤85% LTV Prime Plus 1.25% 6.5%
    Home Equity Line2$25,000 - $500,000
    Annual Fee: $50
    ≤85% LTV Prime Minus 0.50% 4.75%
    SoLo Home Equity Line3$50,000 - $500,000
    Annual Fee: $50
    ≤85% LTV 3.49% fixed for the first 12 months then Prime Minus 0.50% 3.49%
    5 Year Fixed Home Equity Loan4,5$5,000 - $500,000 ≤90% LTV 4.00% 4%
    10 Year Fixed Home Equity Loan4,6$5,000 - $500,0000 ≤90% LTV 4.50% 4.5%
    15 Year Fixed Home Equity Loan4,7

    $5,000 - $500,0000

    ≤90% LTV 5.00% 5%
    20 Year Fixed Home Equity Loan4,8

    $5,000 - $500,0000

    ≤90% LTV 5.50% 5.5%
    Learn more about our home equity loans and lines.

    Disclosures

    As of 09/27/2018 Prime Rate is 5.25%

    1. 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 09/27/2018, Prime Rate is 5.25% and the APR is 6.50%. 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 85% 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 700. 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 Connecticut residences 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.
    2. 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 09/27/2018, Prime Rate is 5.25% and the APR is 4.75%. 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. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 85% 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 700. 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 Connecticut residences 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.
    3. 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 3.49% 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 09/27/2018, Prime Rate is 5.25% with an APR of 4.75%. 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. 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 85% 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 700. 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 Connecticut residences 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.
    4. 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 and requires a Liberty Bank checking account for borrowers who reside in Liberty Bank’s assessment area, otherwise add .25% to the rate. A Liberty Bank checking account or pre-authorization payment from a non-Liberty Bank account for borrowers who do not reside in Liberty Bank’s assessment area, otherwise add .25% to the rate.  The maximum combined (existing mortgage loan balances plus Home Equity Loan) loan-to-value ratio (“LTV”) is 90% 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 700. 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.
    5. The information provided assumes single family home, primary residence with a loan amount of $50,000 and a maximum combined loan to value of 90%.  At a 4.00% interest rate, the APR would be 4.00%. The monthly payment schedule would be 59 payments of $920.83 and 1 payment of $920.60. 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.
    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 90%.  At a 4.50% interest rate, the APR would be 4.50%. The monthly payment schedule would be 119 payments of $518.19 and 1 payment of $518.47. 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.
    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 90%. At a 5.00% interest rate, the APR would be 5.00%. The monthly payment schedule would be 179 payments of $395.40 and 1 payment of $394.52. 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.
    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 90%. At a 5.50% interest rate, the APR would be 5.50%. The monthly payment schedule would be 239 payments of $343.94 and 1 payment of $345.52. 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.

    Business Savings Rates


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

    Disclosures

    Rates are effective as of December 12, 2018.

    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 0.35% 0.35%
    6-Month Business CD 0.65% 0.65%
    1-Year Business CD 0.75% 0.75%

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

    Disclosures

    Rates are effective as of December 12, 2018.

    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
    $0.01 - $24,999.99 0.1% 0.1%
    $25,000 - $49,999.99 0.2% 0.2%
    $50,000+ 0.35% 0.35%
    Max Money Market*
    Max Money Market 1.49% 1.5%
    Municipal Money Market Preferred2
    $25,000 - $99,999.99 0.1% 0.1%
    $100,000 - $499,999.99 0.2% 0.2%
    $500,000+ 0.35% 0.35%

    Disclosures

    Rates are effective as of December 12, 2018. 

    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.
    2. Requires a main operating checking account with Liberty Bank. Municipalities only. Minimum balance to earn APY is $25,000.
    *Annual Percentage Yield (APY) advertised is effective 5/22/2018. 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 1.50% APY, 1.49 % Interest Rate, guaranteed through December 31, 2019. Remaining balances over $250,000.00 earn 0.20% APY, 0.20% Interest Rate. Offer may be withdrawn any time, subject to 1099 reporting, and fees may reduce account earnings. Business accounts only. Limit one account per business. 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.

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