What are the current interest rates at Liberty Bank Poulsbo, WA?

Current rates for Liberty Bank Poulsbo, WA include: 12-Month CD: 3.50%, 18-Month CD: 3.55%, 24-Month CD: 3.60%, 36-Month CD: 3.65%, Savings: 0.10%, MMA: 0.05%

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Liberty Bank Poulsbo, WA

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Liberty Bank Poulsbo, WA Rates & Review September 2026

Q: How many branches does Liberty Bank Poulsbo, WA operate?

Liberty Bank Poulsbo, WA currently maintains approximately 1 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 Poulsbo, WA 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 19, 2026

Liberty Bank Poulsbo, WA's 36-Months 36-Month Jumbo Certificates of Deposit rates are at 3.85%, 24-Months 24-Month Jumbo Certificates of Deposit rates are at 3.80%, 18-Months 18-Month Jumbo Certificates of Deposit rates are at 3.75%, 36-Months 36-Month Certificates of Deposit rates are at 3.75%, 12-Months 12-Month Jumbo Certificates of Deposit rates are at 3.70%. Liberty Bank Poulsbo, WA's savings rates are at 0.10%. Liberty Bank Poulsbo, WA's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Liberty Bank Poulsbo, WA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.31%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.31%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Liberty Bank

20150 7th Ave Ne
Poulsbo, WA 98370

https://www.libertybanknw.com

Liberty Bank Poulsbo, WA CD Rates

Product	Rate	APY	Term
36 Month Jumbo Certificates of Deposit	3.78%	3.85%	36 Months
Details $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
24 Month Jumbo Certificates of Deposit	3.73%	3.80%	24 Months
Details $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
18 Month Jumbo Certificates of Deposit	3.69%	3.75%	18 Months
Details $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
36 Month Certificates of Deposit	3.69%	3.75%	36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
12 Month Jumbo Certificates of Deposit	3.64%	3.70%	12 Months
Details $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
24 Month Certificates of Deposit	3.64%	3.70%	24 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
18 Month Certificates of Deposit	3.59%	3.65%	18 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
36 Month IRA Certificates of Deposit	3.59%	3.65%	36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
12 Month Certificates of Deposit	3.54%	3.60%	12 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
24 Month IRA Certificates of Deposit	3.54%	3.60%	24 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
6 Month Jumbo Certificates of Deposit	3.54%	3.60%	6 Months
Details $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
18 Month IRA Certificates of Deposit	3.49%	3.55%	18 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
12 Month IRA Certificates of Deposit	3.44%	3.50%	12 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
3 Month Jumbo Certificates of Deposit	3.44%	3.50%	3 Months
Details $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
6 Month Certificates of Deposit	3.44%	3.50%	6 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
3 Month Certificates of Deposit	3.35%	3.40%	3 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
6 Month IRA Certificates of Deposit	3.35%	3.40%	6 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

Liberty Bank Poulsbo, WA Savings Rates

Product	Rate	APY
Health Savings Account	0.20%	0.20%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.15%	0.15%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.15%	0.15%
Min Balance $1,000,000 Details Balance: $1,000,000 - $1,999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.15%	0.15%
Min Balance $2,000,000 Details Balance: $2,000,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Savings	0.10%	0.10%
Details Balance: $0.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.10%	0.10%
Min Balance $75,000 Details Balance: $75,000 - $149,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Tiered Savings	0.10%	0.10%
Min Balance $150,000 Details Balance: $150,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

Liberty Bank Poulsbo, WA Money Market Rates

Product	Rate	APY
Business Money Market	0.15%	0.15%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Money Market	0.15%	0.15%
Min Balance $400,000 Details Balance: $400,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Premium Business Money Market	0.15%	0.15%
Min Balance $150,000 Details Balance: $150,000 - $500,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Premium Business Money Market	0.15%	0.15%
Min Balance $5,000,000 Details Balance: $5000,000.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Money Market	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Money Market	0.10%	0.10%
Min Balance $75,000 Details Balance: $75,000 - $149,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Money Market	0.10%	0.10%
Min Balance $150,000 Details Balance: $150,000 - $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Money Market	0.10%	0.10%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Money Market	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Money Market	0.10%	0.10%
Min Balance $75,000 Details Balance: $75,000 - $149,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Money Market	0.10%	0.10%
Min Balance $150,000 Details Balance: $150,000 - $399,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Premium Business Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Premium Business Money Market	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Premium Business Money Market	0.10%	0.10%
Min Balance $75,000 Details Balance: $75,000 - $149,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Business Money Market	0.05%	0.05%
Min Balance $0 Details Balance: Up to $9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Personal Money Market	0.05%	0.05%
Min Balance $0 Details Balance: Up to $9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

Liberty Bank Poulsbo, WA Checking Rates

Product	Rate	APY
Community Checking	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Community Checking	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Community Checking	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Community Checking	0.10%	0.10%
Min Balance $0 Details Condition: Up to $2,499. Balance: $0.00 - $2,499 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Community Checking	0.10%	0.10%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Interest Checking	0.05%	0.05%
Min Balance $0 Details Balance: Up to $4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Interest Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Interest Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%
Interest Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

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 Poulsbo, WA’s Texas Ratio rose from 0.00% in Q3 2023 to 1.31% 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	$206M	1.31%	5.0	A+
March 31, 2026	$200M	1.34%	5.0	A+
December 31, 2025	$196M	1.35%	5.0	A+
September 30, 2025	$196M	1.38%	5.0	A+
June 30, 2025	$193M	1.38%	5.0	A+
March 31, 2025	$204M	1.32%	5.0	A+
December 31, 2024	$187M	1.31%	5.0	A+
September 30, 2024	$184M	1.33%	5.0	A+
June 30, 2024	$191M	1.35%	5.0	A+
March 31, 2024	$187M	4.45%	5.0	A+
December 31, 2023	$185M	0.00%	5.0	A+
September 30, 2023	$188M	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 Poulsbo, WA 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 Poulsbo, WA 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 Poulsbo, WA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Liberty Bank Poulsbo, WA

Bank Holding Company LIBERTY NORTHWEST BCORP INC

Address 20150 7th Ave Ne, Poulsbo, WA 98370 · Kitsap

Website https://www.libertybanknw.com

FDIC Certificate # 58778

Established 20090611

FDIC Insurance Date 20090611

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.31%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3567%

Return on Equity (ROE) 4.0600%

Non-Performing Loans (NPL) 0.11%

Total Assets $205,980,000

Total Deposits $164,450,000

Equity Capital $17,921,000

Net Income $358,000

Headquarters Poulsbo

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Liberty Bank Poulsbo, WA earned the Verified Healthy badge

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Frequently Asked Questions About Liberty Bank Poulsbo, WA

How many branches does Liberty Bank Poulsbo, WA operate?

Liberty Bank Poulsbo, WA currently maintains approximately 1 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 Poulsbo, WA 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 Poulsbo, WA provides members with tools to manage their accounts and build a solid financial history.

Does Liberty Bank Poulsbo, WA offer online and mobile banking?

Most modern institutions like Liberty Bank Poulsbo, WA 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.libertybanknw.com.