Credit union · NCUA insured
Liberty FCU CD Rates
Liberty FCU’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 15, 2026.
How Liberty FCU’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where Liberty FCU has the most branches. $10,000, best rate first.
This credit union’s best
Liberty FCU
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
Certificates
Top rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
Liberty FCU CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo1.45%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
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 FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.25%APY · 18 terms
Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.25% | $31 |
| 4 months | 1.25% | $41 |
| 5 months | 1.25% | $52 |
| 6 months | 1.45% | $72 |
| 7 months | 1.45% | $84 |
| 8 months | 1.45% | $96 |
| 9 monthsFeatured certificate | 4.25% | $317 |
| 10 months | 1.45% | $121 |
| 12 months | 1.45% | $145 |
| 14 months | 4.15% | $486 |
| 17 months | 1.65% | $235 |
| 18 months | 1.65% | $249 |
| 24 months | 3.25% | $661 |
| 30 months | 3.25% | $832 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
| 72 months | 3.75% | $2,472 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA Certificates)
Up to 4.30%APY · 17 terms
Offered for Traditional IRA, Roth IRA, and Coverdell Education Savings Account (CESA). No setup or annual fees. Fixed rate certificates. Paid until first maturity. Rates subject to change weekly/without notice. Substantial penalty for failure to comply with certificate, IRA, and HSA requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 1.30% | $43 |
| 5 months | 1.30% | $54 |
| 6 months | 1.50% | $75 |
| 7 months | 1.50% | $87 |
| 8 months | 1.50% | $100 |
| 9 months | 4.30% | $321 |
| 10 months | 1.50% | $125 |
| 12 months | 1.50% | $150 |
| 14 months | 4.20% | $492 |
| 17 months | 1.70% | $242 |
| 18 months | 1.70% | $256 |
| 24 months | 3.30% | $671 |
| 30 months | 3.30% | $846 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.55% | $1,906 |
| 72 months | 3.80% | $2,508 |
Health Savings Account Fixed Certificates
Up to 3.55%APY · 5 terms
Fixed rate HSA certificates. Substantial penalty for failure to comply with certificate, IRA, and HSA requirements. Rates subject to change without notice / weekly. You will be paid this rate until first maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.50% | $150 |
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.55% | $1,906 |
Sources (1)
- libertyfcu.org/deposit-rates · captured Sep 18, 2026
Who can join Liberty FCU
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