What are the current interest rates at Liberty Bank of New Jersey?

Current rates for Liberty Bank of New Jersey include: 12-Month CD: 4.15%, MMA: 1.50%

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Liberty Bank of New Jersey

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Liberty Bank of New Jersey Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Liberty Bank of New Jersey 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 22, 2026

Liberty Bank of New Jersey's 13-Month 13-Month CD Special rates are at 4.15%. Liberty Bank of New Jersey's money market rates are at 1.50%. MonitorBankRates evaluates the financial stability of Liberty Bank of New Jersey with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/22/2026.

Liberty Bank of New Jersey 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 of New Jersey? Share your experience about Liberty Bank of New Jersey by leaving a review below, or read customer reviews before you decide to use Liberty Bank of New Jersey.

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

0.00%

Perfect Lower than avg

Health Trend

Very strong 2 quarters

Full history ›

Liberty Bank of New Jersey

725 Bloomfield Ave
Verona, NJ 07044

https://www.libertybanknj.com

Liberty Bank of New Jersey CD Rates

Product	Rate	APY	Term	View More
13-Month CD Special	-	4.15%	13 Month
Min Deposit $500 Min Balance $500 Details Interest rate is fixed for the 13-month term of the certificate. At maturity, the certificate will renew at a standard CD term. The account will not renew if funds are withdrawn on the maturity date. There are ten days after maturity to withdraw funds without penalty. Each renewal term will be different from the original term. Maximum deposit $500,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Liberty Bank of New Jersey Money Market Rates

Product	Rate	APY
Personal Money Market	-	2.50%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00-$149,999.99; 0.50% Bonus APY on Personal Money Market (MMKT) promotion available with opening of Classic Checking account for new to Bank funds only. MMKT is a tiered account with a variable interest rate; $500.00 minimum deposit to open the account and earn; $1,000.00 average daily balance for the month to avoid a $10.00 monthly service charge. With bonus, balances $0-$24,999.99 earn 1.50% APY; $25,000.00-$49,999.99 earn 2.00% APY; $50,000.00-$149,999.99 earn 2.50% APY;$150,000.00 or more earn 2.75% APY. APYs are accurate as of 8/19/2026 and subject to change without notice. Fees may reduce earnings. Classic Checking requires a $50.00 minimum deposit to open and a $250.00 average daily balance for the month to avoid the $10.00 monthly service charge. Offer limited to one promotion per customer. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Personal Money Market	-	1.50%
Min Deposit $500 Min Balance $0 Details 0.50% Bonus APY on Personal Money Market (MMKT) promotion available with opening of Classic Checking account for new to Bank funds only. MMKT is a tiered account with a variable interest rate; $500.00 minimum deposit to open the account and earn; $1,000.00 average daily balance for the month to avoid a $10.00 monthly service charge. With bonus, balances $0-$24,999.99 earn 1.50% APY; $25,000.00-$49,999.99 earn 2.00% APY; $50,000.00-$149,999.99 earn 2.50% APY;$150,000.00 or more earn 2.75% APY. APYs are accurate as of 8/19/2026 and subject to change without notice. Fees may reduce earnings. Classic Checking requires a $50.00 minimum deposit to open and a $250.00 average daily balance for the month to avoid the $10.00 monthly service charge. Offer limited to one promotion per customer. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Personal Money Market	-	1.50%
Min Deposit $500 Min Balance $0 Details 0.50% Bonus APY on Personal Money Market (MMKT) promotion available with opening of Classic Checking account for new to Bank funds only. MMKT is a tiered account with a variable interest rate; $1,000.00 average daily balance for the month to avoid a $10.00 monthly service charge. Balances $0-$24,999.99 earn 1.50% APY; $25,000.00-$49,999.99 earn 2.00% APY; $50,000.00-$149,999.99 earn 2.50% APY;$150,000.00 or more earn 2.75% APY. Fees may reduce earnings. Classic Checking requires a $50.00 minimum deposit to open and a $250.00 average daily balance for the month to avoid the $10.00 monthly service charge. Offer limited to one promotion per customer. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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 of New Jersey’s Texas Ratio stayed near 0.00% in Q1 2026 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 2 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	$107M	0.00%	5.0	A+
March 31, 2026	$71M	0.00%	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 of New Jersey 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 of New Jersey 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 of New Jersey's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Liberty Bank of New Jersey

FDIC Certificate # 59369

Address 725 Bloomfield Ave, Verona, NJ 07044 · Essex

Website https://www.libertybanknj.com

Established 20260121

FDIC Insurance Date 20260121

Domestic Offices 2

Total Branches 2

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

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -2.4658%

Return on Equity (ROE) -4.6400%

Non-Performing Loans (NPL) 0.00%

Total Assets $107,357,000

Total Deposits $58,726,000

Equity Capital $47,017,000

Net Income $-1,097,000

Headquarters Verona

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Liberty Bank of New Jersey earned the Verified Healthy badge

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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 of New Jersey

How many branches does Liberty Bank of New Jersey operate?

Liberty Bank of New Jersey currently maintains approximately 2 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 of New Jersey 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 of New Jersey provides members with tools to manage their accounts and build a solid financial history.

Does Liberty Bank of New Jersey offer online and mobile banking?

Most modern institutions like Liberty Bank of New Jersey 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.libertybanknj.com.