# Liberty Bank CD rates

As of October 23, 2026, Liberty Bank's highest tracked CD rate is 4.25% APY on a 13-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.75% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/liberty-bank
Institution: Liberty Bank (FDIC 17943)
Aliases: 
Status: live
Last verified: 2026-10-23T11:30:06.000Z (October 23, 2026)
Official source: https://www.liberty-bank.com/personal/rates
Coverage: Personal CDs require $500 to open and earn APY. The 13-month promotional CD is for consumer accounts, excludes trusts and IRAs, and has a $250,000 maximum. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 32-Day CD | standard | 32 days | $500 | 0.75% | Not ZIP-priced | −3.41% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 3-Month CD | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.26% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 6-Month CD | standard | 6 months | $500 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 1-Year CD | standard | 12 months | $500 | 2.75% | Not ZIP-priced | −1.71% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 13-Month CD Special | promotional | 13 months | $500 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 2-Year CD | standard | 24 months | $500 | 1.05% | Not ZIP-priced | −3.65% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 3-Year CD | standard | 36 months | $500 | 1.25% | Not ZIP-priced | −3.53% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 4-Year CD | standard | 48 months | $500 | 1.35% | Not ZIP-priced | −3.46% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |
| 5-Year CD | standard | 60 months | $500 | 1.45% | Not ZIP-priced | −3.39% | 2026-10-23T11:30:06.000Z | [Snapshot 988](https://apyledger.com/snapshots/988) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.