Deposit Rates
Checking
Shares
Money Market
Certificates
IRA & HSA
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Checking Accounts

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Rate accurate as of

[today]

Types
Minimum to Open
# of Debit Transactions
Dividend Rate
APY^
Minimum Bal to Earn Dividend
Vertical Checking*
Minimum to Open
$25
# of Debit Transactions
15+
Dividend Rate
3.400
%
APY^
3.450
%
Min Bal to Earn Dividend
N/A
Platinum Rewards Checking**
Minimum to Open
$25
# of Debit Transactions
15+
Dividend Rate
0.005
%
APY^
0.005
%
Min Bal to Earn Dividend
$500
Business Dividend Checking
Minimum to Open
$100
# of Debit Transactions
N/A
Dividend Rate
0.050
%
APY^
0.050
%
Min Bal to Earn Dividend
$1,000
Classic Checking
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
0.005
%
APY^
0.005
%
Min Bal to Earn Dividend
$500
Classic Debit Checking
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
0.005
%
APY^
0.005
%
Min Bal to Earn Dividend
$500
Health Savings Checking
Minimum to Open
N/A
# of Debit Transactions
N/A
Dividend Rate
1.990
%
APY^
2.010
%
Min Bal to Earn Dividend
$500
Investor Checking
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
APY^
Min Bal to Earn Dividend
$1,000 - $9,999
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
0.100
%
APY^
0.100
%
Min Bal to Earn Dividend
$1,000
$10,000 - $24,999
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
0.150
%
APY^
0.150
%
Min Bal to Earn Dividend
$10,000
$25,000 - $49,999
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
0.250
%
APY^
0.250
%
Min Bal to Earn Dividend
$25,000
$50,000 or more
Minimum to Open
$25
# of Debit Transactions
N/A
Dividend Rate
0.250
%
APY^
0.250
%
Min Bal to Earn Dividend
$50,000

Share Accounts

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Rate accurate as of

[lastbusiness]

Types
Dividend Rate
APY^
Minimum Balance #
Regular Shares†
Dividend Rate
0.01
%
APY^
0.01
%
Minimum Balance
$
200
Special Shares
Dividend Rate
0.01
%
APY^
0.01
%
Minimum Balance
$
200
IRA/CESA Share Account
Dividend Rate
0.25
%
APY^
0.25
%
Minimum Balance
$
500
Christmas Club
Dividend Rate
0.01
%
APY^
0.01
%
Minimum Balance
$
200
Vacation Club
Dividend Rate
0.01
%
APY^
0.01
%
Minimum Balance
$
200

Money Market Share Accounts

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Rate accurate as of

[lastbusiness]

Tiers
Dividend Rate
APY^
Minimum Balance #
$1,000 - $9,999
Dividend Rate
0.15
%
APY^
0.15
%
Minimum Balance #
$
1,000
$10,000 - $24,999
Dividend Rate
0.20
%
APY^
0.20
%
Minimum Balance #
$
10,000
$25,000 - $49,999
Dividend Rate
0.30
%
APY^
0.30
%
Minimum Balance #
$
25,000
$50,000 - $99,999
Dividend Rate
0.30
%
APY^
0.30
%
Minimum Balance #
$
50,000
$100,000 and up
Dividend Rate
0.30
%
APY^
0.30
%
Minimum Balance #
$
100,000

Certificates

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Rate accurate as of

[lastbusiness]

Terms
Dividend Rate
APY^
Minimum Balance #
3 Month
Dividend Rate
1.24
%
APY^
1.25
%
Minimum Balance #
$
1,000
4 Month
Dividend Rate
4.51
%
APY^
4.60
%
Minimum Balance #
$
1,000
5 Month
Dividend Rate
4.75
%
APY^
4.85
%
Minimum Balance #
$
1,000
6 Month
Dividend Rate
1.34
%
APY^
1.35
%
Minimum Balance #
$
1,000
8 Month
Dividend Rate
1.44
%
APY^
1.45
%
Minimum Balance #
$
1,000
9 Month
Dividend Rate
1.44
%
APY^
1.45
%
Minimum Balance #
$
1,000
10 Month
Dividend Rate
1.44
%
APY^
1.45
%
Minimum Balance #
$
1,000
1 Year
Dividend Rate
1.54
%
APY^
1.55
%
Minimum Balance #
$
1,000
Save to Win 1 Year
Dividend Rate
1.54
%
APY^
1.55
%
Minimum Balance #
14 Month
Dividend Rate
1.54
%
APY^
1.55
%
Minimum Balance #
$
1,000
17 Month
Dividend Rate
1.64
%
APY^
1.65
%
Minimum Balance #
$
1,000
18 Month
Dividend Rate
1.64
%
APY^
1.65
%
Minimum Balance #
$
1,000
30 Month
Dividend Rate
2.96
%
APY^
3.00
%
Minimum Balance #
$
1,000
2 Year
Dividend Rate
2.96
%
APY^
3.00
%
Minimum Balance #
$
1,000
3 Year
Dividend Rate
2.96
%
APY^
3.00
%
Minimum Balance #
$
1,000
4 Year
Dividend Rate
2.96
%
APY^
3.00
%
Minimum Balance #
$
1,000
5 Year
Dividend Rate
2.96
%
APY^
3.00
%
Minimum Balance #
$
1,000
6 Year
Dividend Rate
2.96
%
APY^
3.00
%
Minimum Balance #
$
1,000

Individual Retirement Account Certificates & Health Savings Account Certificates

IRA

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Rate accurate as of

[lastbusiness]

Terms
Dividend Rate
APY^
Minimum Balance #
4 Month Fixed
Dividend Rate
4.55
%
APY^
4.65
%
Minimum Balance #
$
1,000
8 Month Fixed
Dividend Rate
1.45
%
APY^
1.50
%
Minimum Balance #
$
1,000
9 Month Fixed
Dividend Rate
1.49
%
APY^
1.50
%
Minimum Balance #
$
1,000
10 Month Fixed
Dividend Rate
1.49
%
APY^
1.50
%
Minimum Balance #
$
1,000
1 Year Fixed*
Dividend Rate
1.59
%
APY^
1.60
%
Minimum Balance #
$
1,000
14 Month Fixed
Dividend Rate
1.59
%
APY^
1.60
%
Minimum Balance #
$
1,000
17 Month Fixed
Dividend Rate
1.69
%
APY^
1.70
%
Minimum Balance #
$
1,000
18 Month Fixed
Dividend Rate
1.69
%
APY^
1.70
%
Minimum Balance #
$
1,000
2 Year Fixed*
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
30 Month Fixed
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
3 Year Fixed*
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
4 Year Fixed*
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
5 Year Fixed*
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
6 Year Fixed
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000

HSA

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Rate accurate as of

[lastbusiness]

Terms
Dividend Rate
APY^
Minimum Balance #
Health Savings Checking
Dividend Rate
1.99
%
APY^
2.01
%
Minimum Balance #
$
500
1 Year Fixed
Dividend Rate
1.59
%
APY^
1.60
%
Minimum Balance #
$
1,000
2 Year Fixed
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
3 Year Fixed
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
4 Year Fixed
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000
5 Year Fixed
Dividend Rate
3.01
%
APY^
3.05
%
Minimum Balance #
$
1,000

Share and Checking Account dividend rates may change after the account has been opened. Dividends on share and checking accounts are established and paid monthly at a rate determined by the Liberty FCU Board of Directors. Dividends are computed on the daily balance and paid monthly for those days in which the minimum balance is on deposit. Fees may reduce earnings.

There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.

^Annual Percentage Yield

#Minimum balance to obtain APY disclosed

*Annual Percentage Yield accurate as of July 22, 2024. Rate subject to change. Fees or other conditions could reduce earnings on the account. Applicable on balances up to $20,000. 3.45% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day.

Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.

**Platinum Rewards Checking – Accountholders qualify for 500 bonus ScoreCard points per month when they meet all of the following requirements: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify.

†Requires $5.00 to open account

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