What are the current interest rates at Liberty Bank Liberty, IL?

Current rates for Liberty Bank Liberty, IL include: 12-Month CD: 1.00%, 18-Month CD: 1.25%, 24-Month CD: 1.35%, 36-Month CD: 1.66%, 48-Month CD: 2.01%, Savings: 0.25%

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Liberty Bank Liberty, IL

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Liberty Bank Liberty, IL Rates & Review September 2026

Q: How many branches does Liberty Bank Liberty, IL operate?

Liberty Bank Liberty, IL currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Liberty Bank Liberty, IL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Liberty Bank Liberty, IL's 8-Months Special - 8-Month rates are at 3.79%, 15-Months Special - 15-Month rates are at 3.53%, 48-Months IRA - 48-Month rates are at 2.11%, 48-Months 48-Month Certificate rates are at 2.01%, 36-Months 36-Month Certificate rates are at 1.66%. Liberty Bank Liberty, IL's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of Liberty Bank Liberty, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.66%. Rates last updated and verified on 09/14/2026.

Liberty Bank Liberty, IL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Liberty Bank Liberty, IL? Share your experience about Liberty Bank Liberty, IL by leaving a review below, or read customer reviews before you decide to use Liberty Bank Liberty, IL.

Ranked #38 Healthiest Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Liberty Bank

1002 N Main St
Liberty, IL 62347

https://www.liberty.bank

Liberty Bank Liberty, IL CD Rates

Product	Rate	APY	Term
Special - 8 month	3.75%	3.79%	8 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Special - 15 month	3.50%	3.53%	15 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
IRA - 48 month	2.10%	2.11%	48 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
48 Month Certificate	2.00%	2.01%	48 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
36 Month Certificate	1.65%	1.66%	36 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
30 Month Certificate	1.40%	1.41%	30 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
24 Month Certificate	1.35%	1.35%	24 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
18 Month Certificate	1.25%	1.25%	18 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
IRA - 12 month	1.10%	1.10%	12 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
12 Month Certificate	1.00%	1.00%	12 months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
182 Day Certificate	0.65%	0.65%	182 days
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
91 Day Certificate	0.50%	0.50%	91 days
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
30 Day Certificate	0.35%	0.35%	30 days
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

Liberty Bank Liberty, IL Savings Rates

Product	Rate	APY
Health savings Account	0.60%	0.60%
Min Balance $15,000 Details Tiered Rates Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Health savings Account	0.40%	0.40%
Min Balance $10,000 Details Tiered Rates Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
IRA Savings	0.35%	0.35%
Min Balance $10 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Health savings Account	0.30%	0.30%
Min Balance $5,000 Details Tiered Rates Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
e-Savings	0.25%	0.25%
Min Balance $10 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Health savings Account	0.25%	0.25%
Min Balance $0 Details Tiered Rates Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Passbook Savings	0.25%	0.25%
Min Balance $10 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

Liberty Bank Liberty, IL Checking Rates

Product	Rate	APY	View More
N.O.W. Checking	0.35%	0.35%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

Liberty Bank Liberty, IL Other Rates

Product	Rate	Points	APY/APR
Freedom 50	0.25%	-	0.25%
Min Balance $1,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Freedom 50 Plus	0.30%	-	0.30%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%
Insured Money Fund	0.45%	-	0.45%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.66%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Liberty Bank Liberty, IL’s Texas Ratio rose from 0.05% in Q3 2023 to 0.66% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$194M	0.66%	5.0	A+
March 31, 2026	$192M	0.46%	5.0	A+
December 31, 2025	$186M	0.14%	5.0	A+
September 30, 2025	$188M	0.58%	5.0	A+
June 30, 2025	$179M	0.58%	5.0	A+
March 31, 2025	$134M	0.23%	5.0	A+
December 31, 2024	$130M	1.05%	5.0	A+
September 30, 2024	$131M	0.42%	5.0	A+
June 30, 2024	$123M	1.02%	5.0	A+
March 31, 2024	$125M	0.26%	5.0	A+
December 31, 2023	$126M	0.05%	5.0	A+
September 30, 2023	$129M	0.05%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Liberty Bank Liberty, IL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Liberty Bank Liberty, IL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Liberty Bank Liberty, IL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Liberty Bank Liberty, IL

Bank Holding Company LIBERTY BCORP INC

Address 1002 N Main St, Liberty, IL 62347 · Adams

Website https://www.liberty.bank

FDIC Certificate # 11719

Established 19030623

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.66%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6739%

Return on Equity (ROE) 13.2000%

Non-Performing Loans (NPL) 0.08%

Total Assets $193,864,000

Total Deposits $167,363,000

Equity Capital $24,564,000

Net Income $1,598,000

Headquarters Liberty

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Liberty Bank Liberty, IL earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #38 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Liberty Bank Liberty, IL

How many branches does Liberty Bank Liberty, IL operate?

Liberty Bank Liberty, IL currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Liberty Bank Liberty, IL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Liberty Bank Liberty, IL provides members with tools to manage their accounts and build a solid financial history.

Does Liberty Bank Liberty, IL offer online and mobile banking?

Most modern institutions like Liberty Bank Liberty, IL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.liberty.bank.