Credit union · NCUA insured
Liberty Savings Federal Credit Union Savings Rates
Liberty Savings Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Liberty Savings Federal Credit Union’s savings 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
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Liberty Savings Federal Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified1.50%
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 Savings Federal 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.
Money Market Account
1.50%APY
Projected Rates for October 2026. Rate is not guaranteed. Dividends are compounded monthly and credited monthly, calculated by the average daily balance method. Minimum balance to get started is $2,500; up to 6 withdrawals or transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Projected rates for October 2026; rate is not guaranteed. | 1.50% | $150 | Projected rates for October 2026; rate is not guaranteed. |
| $25,000 – $100,000Projected rates for October 2026; rate is not guaranteed. | 2.25% | — | Projected rates for October 2026; rate is not guaranteed. |
| $100,000 – $250,000Projected rates for October 2026; rate is not guaranteed. | 2.50% | — | Projected rates for October 2026; rate is not guaranteed. |
| $250,000,000 and upProjected rates for October 2026; rate is not guaranteed. | 2.75% | — | Projected rates for October 2026; rate is not guaranteed. |
Primary Savings Accounts
0.10%APY
A $25 minimum balance gets you started. Dividends paid on balances over $501. The first $25 deposited into the Primary Share Account is not available for withdrawal and is required to maintain membership. Dividends calculated by average daily balance method. Up to 6 withdrawals/transfers per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $501 and upMinimum Average Daily Balance to receive dividend is $501.$501 and up | 0.10% | $10 | Minimum Average Daily Balance to receive dividend is $501. |
Sources (3)
- lsfcu.org/deposits/deposit-rates
- lsfcu.org/deposits/primary-savings-accounts
- lsfcu.org/share-account-truth-in-savings-disclosure
All captured Sep 19, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.10%APY
Must be enrolled in an HSA-eligible High Deductible Health Plan (HDHP). Pay for qualified medical expenses tax-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum Average Daily Balance of $0 to receive dividend.Any balance | 0.10% | $10 | Minimum Average Daily Balance of $0 to receive dividend. |
Sources (2)
All captured Sep 19, 2026
Holiday Club
0.10%APY
Funds are automatically transferred to primary savings account on October 7th. No minimum balance requirements. Low early withdrawal fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum Average Daily Balance of $200.00 at maturity to receive dividend.$200 and up | 0.10% | $10 | Minimum Average Daily Balance of $200.00 at maturity to receive dividend. |
Sources (2)
All captured Sep 19, 2026
IRA Savings
0.10%APY
Tax-advantaged savings for retirement. Balance to open is $5.00 for IRA Shares.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum Average Daily Balance of $500 to receive dividend.$500 and up | 0.10% | $10 | Minimum Average Daily Balance of $500 to receive dividend. |
Sources (3)
- lsfcu.org/deposits/deposit-rates
- lsfcu.org/deposits/individual-retirement-accounts
- lsfcu.org/share-account-truth-in-savings-disclosure
All captured Sep 19, 2026
Vacation Club
0.10%APY
Funds are automatically transferred to primary savings account on June 7th. No minimum balance requirements. Low early withdrawal fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum Average Daily Balance of $200.00 at maturity to receive dividend.$200 and up | 0.10% | $10 | Minimum Average Daily Balance of $200.00 at maturity to receive dividend. |
Sources (2)
All captured Sep 19, 2026
Who can join Liberty Savings Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.