Rates and Fees
Fee ScheduleKasasa Cash 1
| Balance | Rate | APY* |
|---|---|---|
| $0 - $10,000 | 2.08% | 2.10% 2 |
| $10,000.01 and greater | 0.40% | 2.10%-0.55% |
| If qualifications are not met | 0.03% | 0.03% |
1 Interest compounded monthly
2 On qualifying balances up to $10,000. Balances over $10,000 earn 0.40% interest rate on portion of balance over $10,000, resulting in 2.35% - 0.58% apy depending on balance in account. If qualification are not met, all balances earn 0.03% apy.
Kasasa Saver 1
| Balance | Rate | APY* |
|---|---|---|
| $0 - $100,000 | 0.50% | 0.50% 2 |
| $100,000 and above | 0.40% | 0.50%-0.45% |
| If qualifications are not met | 0.03% | 0.03% |
1 Interest compounded monthly
2 On qualifying balances up to $100,000 If qualifications on Kasasa checking are met each monthly statement cycle (1) Kasasa Saver balances up to $100,000 earn 0.50% apy and (2) balances over $100,000 in Kasasa Saver earn 0.40% interest rate in portion of balance over $100,000, resulting in 0.50% - 0.45% apy depending on account balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.10% apy.
Certificate of Deposit 1
| Term | Rate | APY* | Minimum Deposit |
|---|---|---|---|
| 1 Month | 0.05% | 0.05% | $1,000 |
| 3 Month | 0.10% | 0.10% | $1,000 |
| 6 Month | 0.10% | 0.10% | $1,000 |
| 12 Month | 0.30% | 0.30% | $1,000 |
| 18 Month | 0.45% | 0.45% | $1,000 |
| 24 Month | 0.55% | 0.55% | $1,000 |
| 30 Month | 0.70% | 0.70% | $1,000 |
| 36 Month | 0.85% | 0.85% | $1,000 |
| 48 Month | 1.10% | 1.10% | $1,000 |
| 60 Month | 1.30% | 1.31% | $1,000 |
1 Interest compounded quarterly
IRA (18 Month Variable Rate Certificate of Deposit ) 1
| Term | Rate | APY* | Minimum Deposit |
|---|---|---|---|
| 18 Month | 0.35% | 0.35% | $1,000 |
1 Interest compounded monthly
NOW Accounts ( Liberty "Gold" Checking ) 1
| Rate | APY* |
|---|---|
| 0.03% | 0.03% |
1 Interest compounded monthly
eSmart Checking 1
1 Account is no longer available for new account openings. Customers with this account can contact us, view their account information via online banking or refer to monthly e-statement for current rate/APY.
Smart Checking 1
1 Account is no longer available for new account openings. Customers with this account can contact us, view their account information via online banking or refer to monthly e-statement for current rate/APY.
Liberty Investor Savings
| Balance | Rate | APY* |
|---|---|---|
| $0 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $29,999.99 | 0.10% | 0.10% |
| $30,000 and above | 0.20% | 0.20% |
Savings Accounts ( Personal Savings, Minor/Student Savings, Business Savings ) 1
| Rate | APY* |
|---|---|
| 0.05% | 0.05% |
1 Interest compounded quarterly
HSA - Health Savings Account
| Balance | Rate | APY* |
|---|---|---|
| $500 - $4,999.99 | 0.05% | 0.05% |
| $5000 - $9,999.99 | 0.10% | 0.10% |
| $10,000 and above | 0.15% | 0.15% |
Liquid Money Market Account 1
| Balance | Rate | APY* |
|---|---|---|
| Below $10,000 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 and above | 0.15% | 0.15% |
1 Interest compounded monthly
CDARS Certificate of Deposit 1
| CDARS Certificate |
|---|
Liberty Bank is also pleased to offer CDARS for our customers through agreement with Promontory Financial. The CDARS program offers full FDIC insurance on deposits up to $25 million rather than the current $250,000 FDIC amount. For additional details on CDARS including current terms and rates speak with one of our Personal Bankers or call 618-462-7000.
1 Interest compounded quarterly
All rates are subject to change without notice. Please contact Liberty Bank to verify rates.
Rates effective as of current date.
Rates = Interest Rates
*APY = Annual Percentage Yield
***Fees could reduce earnings.
****A penalty may be imposed for early withdrawal of Certificate of Deposit.






