Personal Rates

CD rates are not available for IRAs. Please visit your local branch for rate details on IRA CDs.

Disclosures

Rates are effective as of April 17, 2024.

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. Subject to 1099 reporting. 
2. Promotional rate is for consumer accounts only; not available for IRA CDs. After maturity, your certificate will automatically renew to a 6-Month CD and you will earn the offered rate of interest in effect at that time.

Disclosures

Rates are effective as of April 17, 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.
2. Minimum  to open is $25.
3. Minimum to open is $25. Minimum daily balance balance to earn APY is $0.01. If the balance is at $0.00 for 45 consecutive days, the account will automatically close. This rate is a promotion that will end on June 30, 2024. Please contact us to find out the new rate at that time. 

Disclosures

Rates are effective as of April 17, 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.

Disclosures

Rates are effective as of April 17, 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.

Disclosures

Rates are effective as of April 17, 2024.

1. The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. Additional deposits may be permitted at maturity, up to the maximum permissible annual contribution limit. Account fees may reduce earnings. May be subject to 1099 reporting. 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. 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.

2. The payment schedule would be 179 payments of $2,140.45 and 1 payment of $2,140.57. 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 $1,616.92 and 1 payment of $1,622.36. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater.

4. 10/6m Adjustable Rate Mortgage (ARM) are variable rate loans. After the initial fixed-rate period, the interest rate can increase or decrease every 6 months. This interest rate will be determined based upon an index plus a margin. The index is based on the 30-day Average SOFR index published by the Federal Reserve Bank of New York. The margin is 2.75%. The payment schedule would be 120 payments of $1,516.96 at an interest rate of 6.500%, 239 payments of $1,717.71 at an interest rate of 8.125% and 1 payment of $1,717.79 at an interest rate of 8.125%. This payment amount includes principle and interest and does not include taxes and insurance, the actual payment will be greater.

All loans are subject to credit and underwriting approval. Additional terms and conditions apply, ask your loan officer for details.

Disclosures

As of 07/27/2023 Prime Rate is 8.50%

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 5.99% 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 07/27/2023, Prime Rate is 8.50% with an APR of 8.00%. The minimum APR for the life of this line, after the first 12 full billing cycles is 3.00%; maximum is 18%.  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 isn’t in first 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 07/27/2023, Prime Rate is 8.50% and the APR is 9.75%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $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 isn’t in first 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 07/27/2023, Prime Rate is 8.50% and the APR is 8.00%. 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 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 isn’t in first 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 07/27/2023, Prime Rate is 8.50% and the APR is 8.50%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $1,000, maximum is $10,000. Offer for 1-4 family, owner-occupied properties in the following cities/towns: Ansonia, Bethel, Bloomfield, Bridgeport, Bristol, Brooklyn, Danbury, East Hartford, Griswold, Hartford, Manchester, Meriden, New Britain, New Haven, New London, Norwich, Plainfield, Portland, Stamford, Stratford, Torrington, Waterbury, West Haven, Willimantic, Windham, and Windsor or in MA:  Chicopee, Holyoke, and Springfield 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.