PERSONAL BANKING

Accumulating wealth.

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IRAs, CDs, Capital Asset Fund

Whether you are planning for the short-term or retirement, accumulating wealth is easy with these savings options. All accounts include online & mobile banking, monthly statements (combined statements available) and 24-hour Telebank service.

Individual Retirement Accounts (IRAs)

Liberty Bank offers traditional IRAs, alongside Roth, and Rollover options to help address the diverse needs of our many customers. These accounts require only $500 to open, and contributions may be tax-deductible. Since earnings on your retirement contributions are not considered taxable income until withdrawal in retirement, and are compounded, an IRA is a great way to help you achieve the financial freedom that your retirement goals require.

IRAs Summary

  • Traditional, Roth, and Rollover IRA options
  • Interest earnings are tax-deferred
  • Minimum deposit of only $500 to open
  • Contributions may be tax deductible, subject to income limits
  • Penalty incurred with early withdrawal
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Account Management Features

  • Online & Mobile Banking
  • Account Alerts
  • Monthly Statements (combined statements available)
  • 24-hour Telebank Service

Terms & Conditions

Penalty incurred with early withdrawal

Certificates of Deposits (CDs)

Certificates are the perfect choice for the strategic saver. Available with flexible terms between three months and five years, Liberty Bank's CDs require a starting minimum deposit of $1,000.

CDs Summary

  • Open a CD with a minimum deposit of just $1,000
  • Maintain a minimum balance of $1,000 to accrue interest at a fixed rate
  • Choose a term that suits your needs, with options ranging from three months to five years
  • Interest can be paid monthly, quarterly, semiannually or annually at no charge
  • Interest can be paid by check or credited to another Liberty Bank Account
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Account Features

  • Online & Mobile Banking
  • Account Alerts
  • Monthly Statements (combined statements available)
  • 24-hour Telebank Service

Capital Asset Fund

Though these funds require $2,500 to open, easy access to your deposited balance via check or debit card makes capital asset funds an exceptionally flexible savings option. With our Capital Asset Fund's check-writing flexibility and rewarding interest, you'll find freedom to grow your savings, while maintaining easy access too.

Capital Asset Fund Summary

  • $2,500 to open
  • Interest earned when a minimum balance of $2,500 is maintained
  • Unlimited in-person transactions
  • No service charge on a minimum average daily balance of $2,500 or more
  • Statement shows check images, can be combined with other statements
  • Interest Earned (Personal Savings):
    Interest Rate: 0.15%
    Annual percentage yield (APY): 0.15%
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Account Features

  • Online & Mobile Banking
  • Account Alerts
  • Monthly Statements (combined statements available)
  • 24-hour Telebank Service

Terms & Conditions

Limit of six checks or debit card transactions per statement cycle, thereafter $10 per excessive transaction

If the balance in the account falls below $2,500 any day of the cycle and monthly statement is received electronically, there is a $12.00 service charge fee. If monthly statement is requested to be delivered by mail, there is a $18 service charge fee.

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