Credit union · NCUA insured
Liberty Bay Credit Union Savings Rates
Top CarrotLiberty Bay Credit Union’s best savings rate is 3.50% APY on $10,000, with its High Yield Savings. Rates checked October 15, 2026.
How Liberty Bay Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Liberty Bay Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Liberty Bay Credit Union
3.50%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $350
High Yield Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Liberty Bay Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Liberty Bay Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Money Market
0.10%APY
Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. Dividends are compounded daily and payable monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. | 0.10% | $10 | Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. |
| $24,999 – $99,999Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. | 0.10% | — | Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. |
| $99,999 – $249,999Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. | 3.50% | — | Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. |
| $249,999 – $2,499,999Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. | 3.50% | — | Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. |
| $2,499,999 – $9,999,999Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. | 3.75% | — | Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. |
High Yield Savings
3.50%APY
No maintenance fees; funds are fully liquid. Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly. Minimum opening deposit is $10,000 of new money. | 0.10% | — | Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly. Minimum opening deposit is $10,000 of new money. |
| $9,999 – $9,999,999Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly. Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. | 3.50% | $350 | Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly. Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. |
Premier Money Market
Up to 0.50%APY
Must open a Premier Checking Account to qualify. Variable rate account; rates can change after the account is opened. Dividends are compounded daily and payable monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust open a Premier Checking Account to qualify. | 0.00% | $0 | Must open a Premier Checking Account to qualify. |
| Up to $2,500Must open a Premier Checking Account to qualify. | 0.30% | — | Must open a Premier Checking Account to qualify. |
| $2,500 – $100,000Must open a Premier Checking Account to qualify. | 0.50% | $50 | Must open a Premier Checking Account to qualify. |
| $100,000 – $9,999,999Must open a Premier Checking Account to qualify. | 1.00% | — | Must open a Premier Checking Account to qualify. |
Traditional Money Market
Up to 0.10%APY
Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly. If balance drops below $2,500, a lower dividend rate is earned.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns lower dividend rate when balance is below $2,500. | 0.05% | $5 | Earns lower dividend rate when balance is below $2,500. |
| $2,500 and up | 0.10% | $10 |
Traditional Savings
0.10%APY
Variable rate account; rates can change after the account is opened. Dividends compound daily and are paid monthly. Requires $5 minimum balance to maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are compounded daily and paid monthly. Variable rate account; rates can change after the account is opened.$5 and up | 0.10% | $10 | Dividends are compounded daily and paid monthly. Variable rate account; rates can change after the account is opened. |
Special-purpose accounts
Educational IRA Money Market
Up to 0.20%APY
Dividends are compounded daily and payable monthly. Rates are subject to change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
| $500 and up | 0.20% | $20 |
Sources (1)
- lbcu.org/deposit-rates · captured Oct 5, 2026
IRA Money Market
Up to 0.10%APY
Includes traditional, Roth, and educational IRA options. Dividends are compounded daily and payable monthly. Rates are subject to change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
| $500 and up | 0.10% | $10 |
Sources (1)
- lbcu.org/deposit-rates · captured Oct 5, 2026
Holiday Club
0.10%APY · 1 term
Credit union membership required. Variable rate account; rates can change after the account is opened. Maximum deposit amount is $10,000. Dividends are compounded daily and paid at maturity. Funds must remain on deposit for entire year (12-month term). Early withdrawal before maturity results in closing of account and forfeiture of all dividends earned. Funds automatically transfer to member's Traditional Savings Account at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are compounded daily and paid at maturity. Funds must remain on deposit for entire year. Early withdrawal before maturity results in closing of account and forfeiture of all dividends earned. Maximum deposit amount is $10,000 | 0.10% | $10 |
Rainy Day Club
0.10%APY · 1 term
Members can choose CD rates based on term, from 3 months up to 60 months. The rate of the club account equals the interest rate on the corresponding certificate of deposit. Maximum deposit amount is $10,000. Dividends compound daily and are paid at maturity. Early withdrawal before maturity results in account closure and forfeiture of all dividends earned. One-time automatic transfer to Traditional Savings Account at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–60 monthsBase rate shown in rate schedule table; members can choose CD rates based on term ranging from 3 months to 60 months. Dividends compound daily and are paid at maturity. Early withdrawal results in account closure and forfeiture of dividends. Maximum deposit $10,000 | 0.10% | $2 |
Vacation Club
0.10%APY · 1 term
Credit union membership required. Variable rate account; rates can change after the account is opened. Maximum deposit amount is $10,000. Dividends are compounded daily and paid at maturity. 12-month term; funds must remain on deposit for entire year. Early withdrawal before maturity results in closing of account and forfeiture of all dividends earned. Funds automatically transfer to member's Traditional Savings Account at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are compounded daily and paid at maturity. 12-month term; funds must remain on deposit for entire year. Early withdrawal before maturity results in closing of account and forfeiture of all dividends earned. Maximum deposit amount is $10,000 | 0.10% | $10 |
Who can join Liberty Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or attend school in eligible towns in eastern and central Massachusetts within the service area.
Employers and groups
- Eligibility is open to employees or members of partner organizations.
Family and household
- Eligibility is open to immediate family or household members of existing Liberty Bay Credit Union members.
Cost to join
- Membership requires opening a savings account with a $5 deposit and maintaining a $5 balance.
Membership information collected October 5, 2026.