Certificates of Deposit (CDs)
Our Certificates of Deposit (CDs) feature some of Liberty Bay’s highest savings rates. You choose from a variety of terms based on how long you are looking to commit the funds.*
Beyond our competitive rates and insurance, you'll also enjoy:
No maintenance fees
24/7 access through Online Banking or our Mobile App to check on your investment
Dividends that compound daily and are payable monthly
Get higher dividends.
Our CD options make your money work harder so you don’t have to do the heavy lifting.
Choose the date your CD will mature.
Your investment will be available on the date you want it.
Flexible terms.
Terms for our CDs range from 90 days to 5 years, so you can decide how long to let your funds mature.
Individual Retirement Account (IRA)
At Liberty Bay, we offer three unique investment options to help you plan for your future. Our investment accounts have no annual fees, and all contributions and earnings are insured in full!
Traditional IRAs*
A Traditional IRA can be a powerful tool in creating a balanced, long-term savings plan, offering tax-deferred earnings as well as tax-deductible contribution options.
You may contribute annually up to the IRS limitations and restrictions, which may change each year. For specific contribution limits and restrictions see https://www.irs.gov/retirement-plans
Roth IRAs*
A Roth IRA offers more incentives to boost your retirement savings. Unlike Traditional IRAs, contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free.
You may contribute annually up to the IRS limitations and restrictions, which may change each year. For specific contribution limits and restrictions see https://www.irs.gov/retirement-plans
Coverdell ESAs help you pay for your child’s education expenses, such as tuition, fees, books, supplies, equipment, and in some cases, room and board and computers. Coverdell ESAs offer tax-free distributions and, unlike Section 529 plans, can be used for elementary and high school expenses at most public, private, and parochial schools.
Our investment accounts have no annual fees.
All contributions and earnings are insured in full.
Make your savings work as hard as you do when you become a member at Liberty Bay
*All dividend rates are subject to change, and dividends are compounded daily and paid monthly. Visit our deposit rates page to view available terms, APY, and minimum deposit requirements. Early withdrawals of principal are subject to a substantial penalty.