Liberty Bay rates: up to 4.35% APY
credit union · NCUA CHARTER 67541 · www.lbcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Yield Savings | Balance to $9,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Holiday Club/Vacation Club | $5.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Rainy Day Club | $5.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $9,999.01 to $9,999,999.00 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional Savings | $5.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 6-Month CD | 6 Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month CD | 7 Month Special | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 7-Month CD | 7 Month (Special) | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year CD | 12 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Month | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 18-Month CD | 18 Month | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 19-Month CD | 19 Month Special | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 19-Month CD | 19 Month (Special) | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 2-Year CD | 24 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Year CD | 36 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 4-Year CD | 48 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 5-Year CD | 60 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Educational IRA Money Market | $5.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Money Market | $5.00 - $24,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market Accounts | $500 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $5.01 - $2,500 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500.01 - $100,000 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $24,999.01 - $99,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $99,999.01 - $249,999 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 - $9,999,999 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $249,999.01 - $2,499,999 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,499,999.01 - $9,999,999 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $5.00 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional Money Market | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Basic Checking | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Benefits Checking | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $1,000.01 - $9,999,999.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Checking | Balance to $1,000 | 4.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.lbcu.org/savings-accounts/ | — | extract-failed | |
| www.lbcu.org/cds-iras/ | — | extract-failed | |
| www.lbcu.org/deposit-rates/ | 2026-11-02 00:03 UTC | ok | ebdb8c554346 |