Bank · FDIC insured
Liberty Bank CD Rates
Liberty Bank’s best CD rate is 3.90% APY on a 13-month CD. Terms run from 10 months to 13 months. Rates checked October 16, 2026.
How Liberty Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Liberty Bank has the most branches. $10,000, best rate first.
This bank’s best
Liberty Bank
3.90%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $423
13 Month CD Special
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
13 Month CD Special
3.90%APY · 1 term
Promotional special CD. Available to individuals who live in the Illinois service area. APYs and interest rates accurate as of October 16, 2026 and subject to change. Early-withdrawal penalty may apply. Fees may reduce earnings. No monthly fees beyond the opening deposit. $200,000 maximum deposit for new customers and $350,000 maximum for existing customers on special promo rate CD terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsMinimum $5,000 to open and earn APY. Promo-rate deposit caps: $200,000 new customers; $350,000 existing customers | 3.90% | $423 |
Sources (2)
All captured Oct 16, 2026
10 Month CD Special
3.20%APY · 1 term
Promotional special CD. Available to individuals who live in the Illinois service area. APYs and interest rates accurate as of 2026-09-15 and subject to change. Early-withdrawal penalty may apply. Fees may reduce earnings. No monthly fees beyond the opening deposit. $200,000 maximum deposit for new customers and $350,000 maximum for existing customers on special promo rate CD terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsMinimum $5,000 to open and earn APY. Promo-rate deposit caps: $200,000 new customers; $350,000 existing customers | 3.20% | $266 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Certificates of Deposit
Up to 2.00%APY · 7 terms
Fixed-rate, fixed-term consumer CDs. $5,000 minimum to open and earn APY. Daily compounding. No monthly fees beyond the opening deposit. Offers available to individuals who live in the Illinois service area. $100,000 maximum deposit limit for new customers. APYs and interest rates accurate as of October 16, 2026 and subject to change. Early-withdrawal penalty may apply. 10-day grace period at maturity. Interest may be received at maturity, quarterly (1-year+), or deposited to a Liberty account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month CD (182 days). Interest paid at term. Not available as an IRA. $100,000 maximum deposit for new customers | 2.00% | $100 |
| 12 months1 Year CD. Interest paid quarterly. Also available as an IRA on qualifying terms (see IRA CD product for IRA rates). $100,000 maximum deposit for new customers | 1.25% | $125 |
| 18 months1 1/2 Year CD. Interest paid quarterly. Also available as an IRA on qualifying terms (see IRA CD product for IRA rates). $100,000 maximum deposit for new customers | 1.25% | $188 |
| 24 months2 Year CD. Interest paid quarterly. Not available as an IRA. $100,000 maximum deposit for new customers | 1.00% | $201 |
| 36 months3 Year CD. Interest paid quarterly. Also available as an IRA on qualifying terms (see IRA CD product for IRA rates). $100,000 maximum deposit for new customers | 1.00% | $303 |
| 48 months4 Year CD. Interest paid quarterly. Not available as an IRA. $100,000 maximum deposit for new customers | 1.00% | $406 |
| 60 months5 Year CD. Interest paid quarterly. Also available as an IRA on qualifying terms (see IRA CD product for IRA rates). $100,000 maximum deposit for new customers | 1.00% | $510 |
Sources (2)
All captured Oct 16, 2026
IRA Certificates of Deposit
Up to 2.00%APY · 5 terms
IRA CD offering Traditional and Roth tax wrappers without distinct published CD rate schedules. $500 minimum to open and earn APY. Available on qualifying terms (1, 1 1/2, 3, and 5 Year listed as IRA-available on the CD product table; schedule also lists a 7 Year IRA CD). Offers available to individuals who live in the Illinois service area. APYs and interest rates accurate as of 2026-09-15 and subject to change. Early-withdrawal penalty may apply. No charge for IRA record-keeping or reporting. FDIC-insured IRA options for rollovers with $500 minimums.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year IRA CD. Interest paid quarterly on 1-year+ CDs. No record-keeping or reporting charge | 2.00% | $200 |
| 18 months1 1/2 Year IRA CD. Interest paid quarterly. No record-keeping or reporting charge | 1.20% | $181 |
| 36 months3 Year IRA CD. Interest paid quarterly. No record-keeping or reporting charge | 1.10% | $334 |
| 60 months5 Year IRA CD. Interest paid quarterly. No record-keeping or reporting charge | 1.10% | $562 |
| 84 months7 Year IRA CD listed on the rate schedule; not shown on the Chicago CD product-term table. No record-keeping or reporting charge | 1.10% | $796 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.