Personal · Certificates of Deposit
A Guaranteed Rate.
Zero Guesswork.
Lock in a fixed interest rate for 3 months to 10 years. Your money grows at a rate you know from day one — no market risk, no surprises.
Rates are updated regularly. Call or visit any branch for current rates.
Available Terms
3 Months to 10 Years.
You Choose.
Whether you're saving short-term or planning for the future, there's a CD term that fits your timeline.
Short-Term
3–6 Months
Park your money safely while keeping your options open. Great for funds you may need within the year.
Mid-Term
12–24 Months
Solid returns for a specific goal — a home purchase, a new vehicle, or building your savings base.
Long-Term
36 Months–10 Years
Maximize your guaranteed rate over time. Ideal for retirement planning or money you won't need soon.
How It Works
Simple from Start
to Maturity
Choose Your Term
Pick a term from 3 months to 10 years. Longer terms typically earn higher rates — a banker can help you decide.
Lock In Your Rate
Your rate is guaranteed for the full term. No market risk, no surprises — just steady, predictable growth.
Earn Daily
Interest compounds daily and is posted to your account monthly. You can keep it or transfer it to another Liberty account.
Renew or Redeem
We'll notify you before your CD matures. You get a 10-day grace period to renew, withdraw, or adjust your term.
*Time Deposits (CDs) may incur a penalty for early withdrawal.
Why Liberty CDs
Built for Peace of Mind
Guaranteed Rate
Your interest rate is fixed for the entire term — completely immune to market swings.
Daily Compounding
Interest compounds every single day and is posted monthly, so your money grows faster over time.
Flexible Interest
Choose to keep interest on your CD or transfer it to another Liberty account as it posts.
FDIC Insured
Your deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation.
Ready to lock in your rate?
Call or visit any branch — a banker will walk you through today's rates and find the right term for your goals.