Traditional Savings Account2Club Savings Account2,3Money Market Account2,4
Best if you're looking toTake advantage of the basic savings account that comes with your membership. Take advantage of the basic savings account that comes with your membership. Earn higher dividends with easy access to your funds.
Minimum to Open$5$1$2,500
DividendsPaid monthlyBased on account term; paid at maturityBased on account balance; paid monthly
Automatic TransfersYesYesYes; Limited to 6 per month
100% Federally InsuredYesYesYes

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Money Manager

With our Money Manager tool, you can assess spending by category, graphed out over time, to take a deeper dive into your habits and discover opportunities for saving money.

Savings Goal Calculator

Are you saving for a big purchase? Use this calculator to compute the monthly deposit amount needed to reach your savings goal.

CD's & IRA's

If you have savings that you know you won’t need for a little while, or you want to supercharge your retirement savings, a CD or IRA may be just what you need.

Direct Deposit

The easiest way to save is by setting up regular direct deposits. Securely switch direct deposits to your new Liberty Bay savings account in as little as 10 minutes.

Whatever your savings goals, we can help you get there

Current Rates*

AccountDividend RateAPY1Minimum to Earn APY
Traditional Savings Account20.10% 0.10%$5.00
Club Accounts2,30.10% 0.10%$5.00
Traditional Money Market20.05%0.05%$5.00
Premier Money Market2,40.10%0.10%$2,500.01
0.20%0.20% $25,000.01

*Rates effective as of May 1, 2022. Dividend rates subject to change at any time

1 APY = Annual Percentage Yield; Rates are subject to change at any time. Early withdrawals on term accounts may result in a three or six-month interest penalty.

2 Savings accounts, Club accounts, and Money Market accounts are variable rate accounts. Interest is compounded daily and paid monthly on Savings accounts, and Money Market accounts. Club accounts earn a simple interest, paid at maturity. 

3 Credit union membership is required. Holiday Club accounts may be opened between November 1 and December 31 of each calendar year. Minimum balance to earn APY is $5.00. Maximum deposit amount is $10,000. Dividends earned on Holiday Club accounts are compounded daily and paid at maturity. Deposits may be made at any time in person; by mail; or by transfer. Deposits by automatic payroll deduction can be made monthly, biweekly or weekly. Funds must remain on deposit for entire year. Early withdrawal before Club account matures results in closing of Club account and forfeiture of all dividends earned. Club funds will be automatically transferred to member’s Traditional Savings (Share) Account at maturity.

4 In order to qualify for eligibility, you must have a Premier Checking Account which is enrolled in e-statements, receives one monthly direct deposit of payroll, pension or other government income and from which a minimum of five debit card transactions are withdrawn each month. Liberty Bay reserves the right to convert your Premier Money Market Account to a regular money market account at then-current rates in the event that the Premier Checking account is not enrolled in the listed services. Application required as existing account types cannot be converted to this product. Stated rate is for accounts greater than $100,000. Regulations limit the number of transfers that can be made on money market accounts during the calendar month or statement cycle. Product allows for 6 withdrawals per calendar month. Refer to additional information in our account documents.