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Rates

Fee Schedule

Rates effective as of current date.

Rates may change after accounts are opened. Fees may reduce earnings.

APY = Annual Percentage Yield

Kasasa Cash*

BalanceRateAPY
$0 - $10,0001.75%1.76%
$10,000.01 and greater0.30%1.76% to 0.43%
If qualifications are not met0.03%0.03%

Interest compounded monthly

To receive Kasasa rewards simply do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notice

Kasasa Saver*

BalanceRateAPY
$0 - $100,0000.50%0.50%
$100,000 and above0.40%0.50% to 0.45%
If qualifications are not met0.03%0.03%

Interest compounded monthly

To receive Kasasa rewards simply do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notice

Certificate of Deposit 1

TermRateAPYMinimum Deposit
1 Month0.05%0.05%$1,000
3 Month0.10%0.10%$1,000
6 Month0.10%0.10%$1,000
12 Month0.30%0.30%$1,000
18 Month0.45%0.45%$1,000
24 Month0.55%0.55%$1,000
30 Month0.70%0.70%$1,000
36 Month1.00%1.00%$1,000
48 Month1.25%1.26%$1,000
60 Month1.50%1.51%$1,000

1Interest compounded quarterly

IRA (18 Month Variable Rate Certificate of Deposit) 1

TermRateAPYMinimum Deposit
18 Month0.35%0.35%$1,000

1Interest compounded monthly

NOW Accounts (Liberty "Gold" Checking) 1

RateAPY
0.03%0.03%

1Interest compounded monthly

eSmart Checking 1

1Account 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

1Account 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

BalanceRateAPY
$0 - $9,999.990.04%0.04%
$10,000 - $29,999.990.08%0.08%
$30,000 and above0.15%0.15%

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

RateAPY
0.04%0.04%

1Interest compounded quarterly

HSA - Health Savings Account

BalanceRateAPY
$500 - $4,999.990.03%0.03%
$5000 - $9,999.990.05%0.05%
$10,000 and above0.10%0.10%

Liquid Money Market Account 1

BalanceRateAPY
Below $10,0000.05%0.05%
$10,000 - $24,999.990.10%0.10%
$25,000 - $49,999.990.10%0.10%
$50,000 and above0.15%0.15%

1Interest 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.


1Interest 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

***Fees could reduce earnings.

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