Credit union · NCUA insured
Liberty Savings Federal Credit Union CD Rates
Liberty Savings Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 22, 2026.
How Liberty Savings Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Liberty Savings Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Liberty Savings Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Certificate of Deposits
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Liberty Savings Federal Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Savings Federal Credit Union 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.
Certificate of Deposits
Up to 4.00%APY · 12 terms
Penalty for early withdrawal. Bonus dividend of an additional 0.10% on any single certificate of 2 years or more with a balance of $50,000 or more.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum deposit $5,000 combined. Penalty for early withdrawal | — | 3.50% | 3.50% | $173 |
| 6 monthsMinimum deposit $500. Penalty for early withdrawal | 3.40% | — | 3.40% | $169 |
| 12 monthsMinimum deposit $5,000 combined. Penalty for early withdrawal | — | 4.00% | 4.00% | $400 |
| 12 monthsMinimum deposit $500. Penalty for early withdrawal | 3.90% | — | 3.90% | $390 |
| 18 monthsMinimum deposit $5,000 combined. Penalty for early withdrawal | — | 4.00% | 4.00% | $606 |
| 18 monthsMinimum deposit $500. Penalty for early withdrawal | 3.90% | — | 3.90% | $591 |
| 24 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.00% | 3.00% | $609 |
| 24 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 2.90% | — | 2.90% | $588 |
| 30 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.00% | 3.00% | $767 |
| 30 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 2.90% | — | 2.90% | $741 |
| 36 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.13% | 3.13% | $967 |
| 36 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.03% | — | 3.03% | $935 |
| 42 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.13% | 3.13% | $1,137 |
| 42 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.03% | — | 3.03% | $1,099 |
| 48 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.25% | 3.25% | $1,365 |
| 48 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.15% | — | 3.15% | $1,321 |
| 54 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.25% | 3.25% | $1,548 |
| 54 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.15% | — | 3.15% | $1,498 |
| 60 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.50% | 3.50% | $1,877 |
| 60 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.40% | — | 3.40% | $1,820 |
| 66 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.50% | 3.50% | $2,083 |
| 66 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.40% | — | 3.40% | $2,019 |
| 72 monthsMinimum deposit $5,000 combined. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | — | 3.50% | 3.50% | $2,293 |
| 72 monthsMinimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal | 3.40% | — | 3.40% | $2,221 |
Sources (2)
All captured Oct 15, 2026
Who can join Liberty Savings Federal Credit Union
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