Liberty Bank

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Rates and Fees

Fee Schedule

eSmart Checking 1

BalanceRateAPY*
$0 - $25,0002.97%3.01%
$25,000.01 and greater1.01%1.01%
If criteria is not met0.15%0.15%

1 Interest compounded monthly

Certificate of Deposit 1

TermRateAPY*Minimum Deposit
1 Month0.15%0.15%$1,000
3 Month0.25%0.25%$1,000
6 Month0.50%0.50%$1,000
12 Month1.00%1.00%$1,000
18 Month1.10%1.10%$1,000
24 Month1.25%1.26%$1,000
30 Month1.35%1.36%$1,000
36 Month2.00%2.02%$1,000
48 Month2.00%2.02%$1,000
60 Month2.00%2.02%$1,000

1 Interest compounded quarterly

IRA (18 Month Variable Rate Certificate of Deposit ) 1

TermRateAPY*Minimum Deposit
18 Month1.00%1.00%$1,000

1 Interest compounded quarterly

CDARS Certificat of Deposit 1

TermRateAPY* 
26 week term (6 Months)0.35%0.35%$100,000+3
52 week term (1 Year)0.75%0.75%$100,000+3

3 Offered thru agreement with Promentory Financial; full FDIC Insurance to $25 million

Smart Checking 1

BalanceRateAPY*
$0 - $25,0001.99%2.01%
$25,000.01 and greater1.01%1.01%
If criteria is not met0.15%0.15%

1 Interest compounded monthly

NOW Accounts ( Liberty "Gold" Checking ) 1

RateAPY*
0.10%0.10%

1 Interest compounded monthly

Liberty Investor Savings

BalanceRateAPY*
$0 - $9,999.990.10%0.10%
$10,000 - $29,999.990.45%0.45%
$30,000 and above0.90%0.90%

Savings Accounts ( Personal Savings, Minor/Student Savings, Business Savings ) 1

RateAPY*
0.10%0.10%

1 Interest compounded quarterly

HSA - Health Savings Account

BalanceRateAPY*
$500 - $4,999.990.10%0.10%
$5000 - $9,999.990.30%0.30%
$10,000 and above0.75%0.75%

Liquid Money Market Account 1

BalanceRateAPY*
Below $10,0000.10%0.10%
$10,000 - $24,999.990.20%0.20%
$25,000 - $49,999.990.45%0.45%
$50,000 and above0.70%0.70%

1 Interest compounded monthly

Smart Money Market 1

BalanceRateAPY*
$5000 - $24,999.990.20%0.20%
$25,000 and above0.70%0.70%

1 Interest compounded monthly

All rates are subject to change without notice. Please contact Liberty Bank to verify rates.

Rates effective as of 6/30/10 .

Rates = Interest Rates

*APY = Annual Percentage Yield

***Fees could reduce earnings.

****A penalty may be imposed for early withdrawal of Certificate of Deposit.