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Liberty Bank Middletown, CT Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 Middletown, CT's 6-Month CD rates are at 4.00%, 3-Month CD rates are at 3.00%, 1-Year CD rates are at 2.75%, 5-Year CD rates are at 1.45%, 4-Year CD rates are at 1.35%. Liberty Bank Middletown, CT's savings rates are at 3.85%. Liberty Bank Middletown, CT's money market rates are at 3.20%. Liberty Bank Middletown, CT's 10/6m ARM rates are at 6.75%, 15 Year Fixed Mortgage rates are at 7.00%, 30 Year Fixed Mortgage rates are at 7.25%. Liberty Bank Middletown, CT's top CD rate of 4.25% APY on a 13 month CD is 41% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Liberty Bank Middletown, CT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 11/06/2026.
Liberty Bank Middletown, CT 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 Middletown, CT? Share your experience about Liberty Bank Middletown, CT by leaving a review below, or read customer reviews before you decide to use Liberty Bank Middletown, CT.
Liberty Bank Middletown, CT has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Liberty Bank Middletown, CT has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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.
Based on 2 customer reviews averaging 5.0 stars.
Texas Ratio
?
1.90%
ExcellentLower than avg
Liberty Bank Middletown, CT Texas Ratio
Liberty Bank Middletown, CT's Texas Ratio is 1.90%, which is considered excellent and is lower than the national average of 5.85%.
Liberty Bank Middletown, CT has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.22% to 1.90% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Middletown, CT CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
13-Month CD Special
4.17%
4.25%
13-Month
$500
Min Deposit$500
Min Balance$500
DetailsPromotional rate; consumer accounts only; not available for trusts or IRA CDs
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HSA CD - 1-Year HSA CD
4.17%
4.25%
1-Year
$500
Min Deposit$500
Min Balance$500
DetailsMinimum to open a CD is $500 and the minimum required to earn APY is $500; CDs are subject to a penalty for early withdrawal; Rates effective as of October 14, 2026
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
6-Month CD
3.93%
4.00%
6-Month
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
HSA CD - 6-Month HSA CD
3.74%
3.80%
6-Month
$500
Min Deposit$500
Min Balance$500
DetailsMinimum to open a CD is $500 and the minimum required to earn APY is $500; CDs are subject to a penalty for early withdrawal; Rates effective as of October 14, 2026
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
3-Month CD
2.96%
3.00%
3-Month
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
1-Year CD
2.72%
2.75%
1-Year
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
5-Year CD
1.44%
1.45%
5-Year
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 1.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
4-Year CD
1.34%
1.35%
4-Year
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 1.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
3-Year CD
1.24%
1.25%
3-Year
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
2-Year CD
1.045%
1.05%
2-Year
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 1.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
32-Day CD
0.75%
0.75%
32-Day
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Business CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
6-Month Business CD
4.17%
4.25%
6 months
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsMinimum to open $5,000 and minimum required to earn APY $5,000; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
3-Month Business CD
2.96%
3.00%
3 months
$500
Min Deposit$500
Min Balance$500
DetailsMinimum to open $500 and minimum required to earn APY $500; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
1-Year Business CD
1.00%
1.00%
1 year
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsMinimum to open $5,000 and minimum required to earn APY $5,000; Rates effective as of October 14, 2026; Business CDs are subject to a penalty for early withdrawal
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Savings Rates
Product
Rate
APY
View More
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers
3.78%
3.85%
Min Deposit$25
Min Balance$250,000
DetailsBalance: $250,000+; Minimum to open account is $25 and minimum daily balance to earn APY is $0.01; Consumer accounts only; Rates effective as of October 14, 2026; Bump up eligible with PayBack or Quarter Back Checking requirements
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers
3.44%
3.50%
Min Deposit$25
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Minimum to open account is $25 and minimum daily balance to earn APY is $0.01; Consumer accounts only; Rates effective as of October 14, 2026; Bump up eligible with PayBack or Quarter Back Checking requirements
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings
3.30%
3.35%
Min Deposit$25
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings
2.96%
3.00%
Min Deposit$25
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers
2.47%
2.50%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Minimum to open account is $25 and minimum daily balance to earn APY is $0.01; Consumer accounts only; Rates effective as of October 14, 2026; Bump up eligible with PayBack or Quarter Back Checking requirements
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers
2.23%
2.25%
Min Deposit$25
Min Balance$15,000
DetailsBalance: $15,000 - $49,999.99; Minimum to open account is $25 and minimum daily balance to earn APY is $0.01; Consumer accounts only; Rates effective as of October 14, 2026; Bump up eligible with PayBack or Quarter Back Checking requirements
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings
1.98%
2.00%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings
1.73%
1.75%
Min Deposit$25
Min Balance$15,000
DetailsBalance: $15,000 - $49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Cinch Savings
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Cinch Savings
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Cinch Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.01 - $9,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Relationship High Yield Savings
0.05%
0.05%
Min Deposit$25
Min Balance$0
DetailsBalance: $0.01 - $14,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Business Savings Rates
Product
Rate
APY
View More
Cinch Business Savings
0.25%
0.25%
Min Balance$25,000
DetailsBalance: $25,000.00+
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Cinch Business Savings
0.10%
0.10%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Cinch Business Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.01 - $9,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Money Market Rates
Product
Rate
APY
View More
Money Market Special
2.96%
3.00%
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Market Special
2.71%
2.75%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Market Special
2.23%
2.25%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Market Special
1.98%
2.00%
Min Balance$0
DetailsBalance: $0.01-$49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Special
3.15%
3.20%
Min Balance$1,000,000
DetailsBalance: $1,000,000+; Rate is variable and subject to change at any time
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Market Special
3.00%
3.05%
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99; Rate is variable and subject to change at any time
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Market Special
2.76%
2.80%
Min Balance$50,000
DetailsBalance: $50,000 - $249,999.99; Rate is variable and subject to change at any time
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Market Special
2.52%
2.55%
Min Balance$0
DetailsBalance: $0.01 - $49,999.99; Rate is variable and subject to change at any time
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.55% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Max Money Market
0.35%
0.35%
Min Balance$0
DetailsBalance: $0.01 - $250,000
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Market
0.35%
0.35%
Min Deposit$500
Min Balance$0
DetailsBalance: $0.01 - $250,000.00; Minimum daily balance to earn APY is $0.01; Disclosure also says minimum to open is $25
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Market
-
0.25%
Min Deposit$500
Min Balance$250,000
DetailsBalance: $250,000.01 and over; APY stated as range 0.35% - 0.25%; Disclosure also says minimum to open is $25
Last Updated11/06/2026
Rate History
No change since Oct 26, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Max Money Market
0.15%
0.15%
Min Balance$250,000
DetailsBalance: Add'l bal over $250,000
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Mortgage Rates
Product
Rate
Points
APR
Term
View More
10/6m ARM
6.75%
0
6.782%
DetailsAdjustable rate mortgage; rate adjusts every 6 months after initial fixed period; index 30-day Average SOFR plus 2.75% margin; rates effective as of 10/26/2026
Last Updated11/06/2026
Rate History
1 change since Oct 21, 2026 · 6.83% → 6.78% ▼ 0.04 pts · high 6.83% / low 6.78%
Oct 26, 20266.78%▼ from 6.83%
Oct 21, 20266.83%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
15 Year Fixed Mortgage
7.00%
0
7.121%
15 years
DetailsRates effective as of 10/26/2026; APR based on $240,000 loan, 25% down, 780 minimum credit score
Last Updated11/06/2026
Rate History
3 changes since Sep 15, 2026 · 6.49% → 7.12% ▲ 0.63 pts · high 7.12% / low 6.49%
Oct 7, 20267.12%▲ from 6.87%
Oct 1, 20266.87%▲ from 6.75%
Sep 27, 20266.75%▲ from 6.49%
Sep 15, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
30 Year Fixed Mortgage
7.25%
0
7.326%
30 years
DetailsRates effective as of 10/26/2026; APR based on $240,000 loan, 25% down, 780 minimum credit score
Last Updated11/06/2026
Rate History
5 changes since Sep 15, 2026 · 7.08% → 7.33% ▲ 0.25 pts · high 7.58% / low 7.08%
Oct 26, 20267.33%▼ from 7.45%
Oct 21, 20267.45%▼ from 7.58%
Oct 1, 20267.58%▲ from 7.45%
Sep 27, 20267.45%▲ from 7.20%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line
-
-
6.50%
DetailsRate: Prime Minus 0.50%; Line/Loan Amount: $25,000 - $500,000; LTV: <=80% LTV
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
No change since Sep 15, 2026 · 7.88% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Home Equity Line
-
-
8.25%
DetailsRate: Prime Plus 1.25%; Line/Loan Amount: $10,000 - $24,999; LTV: <=80% LTV
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00%
Sep 24, 20268.25%▲ from 8.00%
Sep 15, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Liberty Bank Middletown, CT Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business Money Maker
0.30%
-
0.30%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Maker
0.10%
-
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Business Money Maker
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0.01 - $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Maker
0.30%
-
0.30%
Min Balance$200,000
DetailsBalance: $200,000+
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Maker
0.25%
-
0.25%
Min Balance$150,000
DetailsBalance: $150,000 - $199,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Maker
0.20%
-
0.20%
Min Balance$100,000
DetailsBalance: $100,000 - $149,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Maker
0.20%
-
0.20%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Maker
0.05%
-
0.05%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Money Maker
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0.01 - $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.90%
Financial Health History
Liberty Bank Middletown, CT’s Texas Ratio fell from 5.22% in Q3 2023 to 1.90% in Q2 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$9.4B
1.90%
5.0
A+
March 31, 2026
$9.0B
2.25%
5.0
A+
December 31, 2025
$9.0B
2.37%
5.0
A+
September 30, 2025
$8.7B
2.45%
5.0
A+
June 30, 2025
$8.5B
2.53%
5.0
A+
March 31, 2025
$8.2B
3.10%
5.0
A+
December 31, 2024
$8.1B
3.82%
5.0
A+
September 30, 2024
$7.9B
3.76%
5.0
A+
June 30, 2024
$7.8B
3.99%
5.0
A+
March 31, 2024
$7.7B
6.14%
5.0
A
December 31, 2023
$7.7B
3.36%
5.0
A+
September 30, 2023
$7.4B
5.22%
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 Middletown, CT 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 Middletown, CT 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 Middletown, CT's official website for the most current offers and terms.
Address
245 Long Hill Rd,
Middletown, CT 06457 · Lower Connecticut River Valley
Bank Holding CompanyLIBERTY FINANCIAL CORP
FDIC Certificate #17943
RegulatorFDIC
EstablishedMay 15, 1825
FDIC Insurance DateJanuary 2, 1959
Domestic Offices51
Total Branches51
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.90%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2954%
Return on Equity (ROE)
9.9200%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
$9,379,852,000
Total Deposits
$7,122,676,000
Equity Capital
$1,227,473,000
Net Income
$59,116,000
Headquarters
Middletown
Total Branches and Offices
51
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Liberty Bank Middletown, CT 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.
Want to discuss Liberty Bank Middletown, CT with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
2
Add Your Rating and Review for Liberty Bank Middletown, CT
Frequently Asked Questions About Liberty Bank Middletown, CT
Does Liberty Bank Middletown, CT offer CDs?
Yes. Liberty Bank Middletown, CT current CD rates include its 6-Month CD at 4.00% APY, its 3-Month CD at 3.00% APY and its 1-Year CD at 2.75% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Liberty Bank Middletown, CT FDIC insured?
Yes. Liberty Bank Middletown, CT 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 Middletown, CT?
The highest Liberty Bank Middletown, CT CD rate is its 13-Month CD Special at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Liberty Bank Middletown, CT offer?
Liberty Bank Middletown, CT CD rates are 3.00% APY for a 3 month CD, 4.00% APY for a 6 month CD, 2.75% APY for a 12 month CD, 1.05% APY for a 2 year CD, 1.25% APY for a 3 year CD, 1.35% APY for a 4 year CD and 1.45% APY for a 5 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 Middletown, CT for its full lineup.
What is the highest savings rate at Liberty Bank Middletown, CT?
The highest Liberty Bank Middletown, CT savings rate is its Relationship High Yield Savings with bump up for PayBack or Quarter Back customers at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Liberty Bank Middletown, CT?
The highest Liberty Bank Middletown, CT money market rate is its Business Money Market Special at 3.20% APY, verified by MonitorBankRates as of November 6, 2026.
What is the lowest 30 year fixed mortgage rate at Liberty Bank Middletown, CT?
The lowest Liberty Bank Middletown, CT 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 7.25%, verified by MonitorBankRates as of November 6, 2026. Liberty Bank Middletown, CT mortgage rates are 7.25% for a 30 year mortgage and 7.00% for a 15 year mortgage.
How many branches does Liberty Bank Middletown, CT operate?
Liberty Bank Middletown, CT currently maintains approximately 51 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 Middletown, CT 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 Middletown, CT provides members with tools to manage their accounts and build a solid financial history.
Does Liberty Bank Middletown, CT offer online and mobile banking?
Most modern institutions like Liberty Bank Middletown, CT 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.com.
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 Middletown, CT rates compare?
Liberty Bank Middletown, CT's top CD rate of 4.25% APY on a 13 month CD is 41% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Liberty Bank Middletown, CT's top rates are its 13-Month CD Special at 4.25% APY, its Relationship High Yield Savings with bump up for PayBack or Quarter Back customers at 3.85% APY, its Business Money Market Special at 3.20% APY and its 10/6m ARM at 6.75%, verified by MonitorBankRates on November 6, 2026.
Current Liberty Bank Middletown, CT Rates
12-Month CD1.00%
24-Month CD1.05%
36-Month CD1.25%
48-Month CD1.35%
60-Month CD1.45%
Savings3.85%
MMA3.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
