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Liberty Bank Liberty, IL Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Liberty Bank Liberty, IL's Government-Insured CD - 48-Month rates are at 2.01%, Government-Insured CD - 36-Month rates are at 1.66%, Government-Insured CD - 30-Month rates are at 1.41%, Government-Insured CD - 24-Month rates are at 1.35%, Government-Insured CD - 18-Month rates are at 1.25%. Liberty Bank Liberty, IL's savings rates are at 0.35%. Liberty Bank Liberty, IL's checking rates are as high as 0.35%. Liberty Bank Liberty, IL's top CD rate of 3.79% APY on an 8 month CD is 31% higher than the MonitorBankRates national average of 2.88% APY for that term, and it has an A+ health rating. 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 11/06/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 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
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Liberty Bank Liberty, IL CD Rates

Product Rate APY Term View More
Special Government-Insured CD - 8-month 3.75% 3.79% 8 months
Min Balance $500
Details Special certificate; available for a limited time only; penalties for early withdrawal may apply
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.79% APY · checked 4 times
3.29%3.79%4.29%Oct 21, 2026: 3.79% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Special Government-Insured CD - 15-month 3.50% 3.53% 15 months
Min Balance $500
Details Special certificate; available for a limited time only; penalties for early withdrawal may apply
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Oct 21, 2026: 3.53% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
IRA Government-Insured CD - 48-month 2.10% 2.11% 48 months
Min Balance $500
Details IRA
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.11% APY · checked 4 times
1.61%2.11%2.61%Oct 21, 2026: 2.11% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 48-month 2.00% 2.01% 48 months
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.01% APY · checked 4 times
1.51%2.01%2.51%Oct 21, 2026: 2.01% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 36-month 1.65% 1.66% 36 months
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.66% APY · checked 4 times
1.16%1.66%2.16%Oct 21, 2026: 1.66% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 30-month 1.40% 1.41% 30 months
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.41% APY · checked 4 times
0.91%1.41%1.91%Oct 21, 2026: 1.41% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 24-month 1.35% 1.35% 24 months
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.35% APY · checked 4 times
0.85%1.35%1.85%Oct 21, 2026: 1.35% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 18-month 1.25% 1.25% 18 months
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Oct 21, 2026: 1.25% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
IRA Government-Insured CD - 12-month 1.10% 1.10% 12 months
Min Balance $500
Details IRA
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.10% APY · checked 4 times
0.60%1.10%1.60%Oct 21, 2026: 1.10% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 12-month 1.00% 1.00% 12 months
Min Balance $500
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 21, 2026: 1.00% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 182 days 0.65% 0.65% 182 days
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 0.65% APY · checked 4 times
0.15%0.65%1.15%Oct 21, 2026: 0.65% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 91 days 0.50% 0.50% 91 days
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Oct 21, 2026: 0.50% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%
Government-Insured CD - 30 days 0.35% 0.35% 30 days
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Oct 21, 2026: 0.35% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.66%

Liberty Bank Liberty, IL Savings Rates

Product Rate APY View More
IRA Savings 0.35% 0.35%
Min Balance $10
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Nov 9, 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 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 9, 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 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 9, 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 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Nov 9, 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 Term View More
Freedom 50 0.25% - 0.25%
Min Balance $1,500
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 9, 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 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Nov 9, 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 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 10 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Nov 9, 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.
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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.

0% 1.0★ 0.4% 2.0★ 0.7% 3.0★ 1.1% 4.0★ 1.4% 5.0★ Healthy zone – entire history below the 15% limit 0.05% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.66% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$194M0.66%5.0A+
March 31, 2026$192M0.46%5.0A+
December 31, 2025$186M0.14%5.0A+
September 30, 2025$188M0.58%5.0A+
June 30, 2025$179M0.58%5.0A+
March 31, 2025$134M0.23%5.0A+
December 31, 2024$130M1.05%5.0A+
September 30, 2024$131M0.42%5.0A+
June 30, 2024$123M1.02%5.0A+
March 31, 2024$125M0.26%5.0A+
December 31, 2023$126M0.05%5.0A+
September 30, 2023$129M0.05%5.0A+
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

Bank Name Liberty Bank Liberty, IL
Website https://www.liberty.bank
Address 1002 N Main St, Liberty, IL 62347  ·  Adams
Bank Holding Company LIBERTY BCORP INC
FDIC Certificate # 11719
Regulator FDIC
Established June 23, 1903
FDIC Insurance Date January 1, 1934
Domestic Offices 6
Total Branches 6
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.66%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6739%
Return on Equity (ROE)
13.2000%
Non-Performing Loans Ratio (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 June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Liberty Bank Liberty, IL earned the Verified Healthy 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/liberty-bank-liberty-il-rates-review-11719">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Liberty Bank Liberty, IL

Does Liberty Bank Liberty, IL offer CDs?

Yes. Liberty Bank Liberty, IL current CD rates include its Government-Insured CD - 48-Month at 2.01% APY, its Government-Insured CD - 36-Month at 1.66% APY and its Government-Insured CD - 30-Month at 1.41% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Liberty Bank Liberty, IL FDIC insured?

Yes. Liberty Bank Liberty, IL is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Liberty Bank Liberty, IL?

The highest Liberty Bank Liberty, IL CD rate is its Special Government-Insured CD - 8-Month at 3.79% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Liberty Bank Liberty, IL offer?

Liberty Bank Liberty, IL CD rates are 1.00% APY for a 12 month CD, 1.25% APY for an 18 month CD, 1.35% APY for a 2 year CD, 1.41% APY for a 30 month CD, 1.66% APY for a 3 year CD and 2.01% APY for a 4 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Liberty Bank Liberty, IL for its full lineup.

What is the highest savings rate at Liberty Bank Liberty, IL?

The highest Liberty Bank Liberty, IL savings rate is its IRA Savings at 0.35% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Liberty Bank Liberty, IL?

The highest Liberty Bank Liberty, IL checking rate is its N.O.W. Checking at 0.35% APY, verified by MonitorBankRates as of November 6, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Liberty Bank Liberty, IL rates compare?

Liberty Bank Liberty, IL's top CD rate of 3.79% APY on an 8 month CD is 31% higher than the MonitorBankRates national average of 2.88% APY for that term, and it has an A+ health rating. Liberty Bank Liberty, IL's top rates are its 8-Months Special Government-Insured CD - 8-Month at 3.79% APY, its IRA Savings at 0.35% APY and its N.O.W. Checking at 0.35% APY, verified by MonitorBankRates on November 6, 2026.

Current Liberty Bank Liberty, IL Rates

  • 12-Month CD1.00%
  • 18-Month CD1.25%
  • 24-Month CD1.35%
  • 36-Month CD1.66%
  • 48-Month CD2.01%
  • Savings0.35%
Retrieved from our database of financial products. Rates subject to change.

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