☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Liberty Bay Credit Union

iAdvertiser Disclosure

Liberty Bay Credit Union Rates & Review November 2026

Q: What are the current interest rates at Liberty Bay Credit Union?

Current rates for Liberty Bay Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.35%, 24-Month CD: 3.25%, 60-Month CD: 3.00%, Savings: 3.50%, MMA: 3.75%

Q: What CD terms does Liberty Bay Credit Union offer?

Liberty Bay Credit Union CD rates are 3.00% APY for a 3 month CD, 3.50% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.35% APY for an 18 month CD, 3.25% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Liberty Bay Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Liberty Bay Credit Union's CD of Deposit - 6 Month rates are at 3.50%, CD of Deposit - 18 Month rates are at 3.35%, CD of Deposit - 12 Month rates are at 3.25%, CD of Deposit - 24 Month rates are at 3.25%, CD of Deposit - 3 Month rates are at 3.00%. Liberty Bay Credit Union's savings rates are at 3.50%. Liberty Bay Credit Union's money market rates are at 3.75%. Liberty Bay Credit Union's checking rates are as high as 4.00%. Liberty Bay Credit Union's 5/1 Year Arm rates are at 6.25%, 7/1 First Time Homebuyer Program Loan rates are at 6.38%, 7/1 Year Arm rates are at 6.38%, 10/1 Year Arm rates are at 6.53%, 10 Year Fixed rates are at 6.88%. Liberty Bay Credit Union's Personal Loan Rates are as low as 9.74%. Liberty Bay Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Liberty Bay Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.21%. Rates last updated and verified on 10/30/2026.

Liberty Bay Credit Union 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 Bay Credit Union? Share your experience about Liberty Bay Credit Union by leaving a review below, or read customer reviews before you decide to use Liberty Bay Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Liberty Bay Credit Union
Liberty Bay Credit Union

300 Granite St Fl 3
Braintree, MA 02184-3909

https://www.lbcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Liberty Bay Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 19 Month Special	4.26%	4.35%	19 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 19 Month (Special)	4.26%	4.35%	19 Month
Min Deposit $1,000 Details Special rate; IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 7 Month Special	4.16%	4.25%	7 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 7 Month (Special)	4.16%	4.25%	7 Month
Min Deposit $1,000 Details Special rate; IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 6 Month	3.44%	3.50%	6 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 18 Month	3.30%	3.35%	18 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 18 Month	3.30%	3.35%	18 Month
Min Deposit $500 Details IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 12 Month	3.20%	3.25%	12 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 24 Month	3.20%	3.25%	24 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 12 Month	3.20%	3.25%	12 Month
Min Deposit $500 Details IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 24 Month	3.20%	3.25%	24 Month
Min Deposit $500 Details IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 3 Month	2.96%	3.00%	3 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 36 Month	2.96%	3.00%	36 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 48 Month	2.96%	3.00%	48 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Certificate of Deposit - 60 Month	2.96%	3.00%	60 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 36 Month	2.96%	3.00%	36 Month
Min Deposit $500 Details IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 48 Month	2.96%	3.00%	48 Month
Min Deposit $500 Details IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Certificate - 60 Month	2.96%	3.00%	60 Month
Min Deposit $500 Details IRA Certificate of Deposit includes traditional and Roth options; Rates accurate as of 10/23/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	3.44%	3.50%
Min Deposit $10,000 Min Balance $9,999 Details Balance: $9,999.01 to $9,999,999.00; Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 0.10% Sep 22, 20263.50%▲ from 0.10% Sep 18, 20260.10%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Savings	0.10%	0.10%
Min Deposit $10,000 Details Balance tier: Balance to $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Holiday Club/Vacation Club	0.10%	0.10%
Min Deposit $1 Min Balance $5 Details Credit union membership required; Dividends paid at maturity; funds must remain on deposit for entire year; maximum deposit amount $10,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Rainy Day Club	0.10%	0.10%
Min Deposit $1 Min Balance $5 Details Minimum end balance to earn: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Traditional Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Minimum end balance to earn: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	3.68%	3.75%
Min Deposit $10,000 Min Balance $2,499,999 Details Balance: $2,499,999.01 - $9,999,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	3.44%	3.50%
Min Deposit $10,000 Min Balance $99,999 Details Balance: $99,999.01 - $249,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	3.44%	3.50%
Min Deposit $10,000 Min Balance $249,999 Details Balance: $249,999.01 - $2,499,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Money Market	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $9,999,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500.01 - $100,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Money Market	0.30%	0.30%
Min Balance $5 Details Balance: $5.01 - $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Educational IRA Money Market	0.20%	0.20%
Min Balance $500 Details Balance: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Educational IRA Money Market	0.10%	0.10%
Min Deposit $500 Min Balance $5 Details Minimum end balance to earn Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $5 Details Balance: $5.00 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
High Yield Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $24,999 Details Balance: $24,999.01 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Money Market	0.10%	0.10%
Min Balance $500 Details Balance: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Traditional Money Market	0.10%	0.10%
Min Deposit $15 Min Balance $2,500 Details Balance: $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
IRA Money Market	0.05%	0.05%
Min Deposit $500 Min Balance $5 Details Minimum end balance to earn Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Traditional Money Market	0.05%	0.05%
Min Deposit $15 Min Balance $5 Details Balance: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Money Market	0.00%	0.00%
Min Balance $5 Details Balance: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.68%	3.75%
Min Deposit $5 Min Balance $249,999 Details Balance: $249,999.01 - $9,999,999.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Money Market	2.96%	3.00%
Min Deposit $5 Min Balance $99,999 Details Balance: $99,999.01 - $249,999.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Money Market	2.47%	2.50%
Min Deposit $5 Min Balance $24,999 Details Balance: $24,999.01 - $99,999.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Money Market	1.74%	1.75%
Min Deposit $5 Min Balance $9,999 Details Balance: $9,999.01 - $24,999.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Money Market	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $9,999.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Checking Rates

Product	Rate	APY
Premier Checking	3.92%	4.00%
Min Deposit $500 Details Minimum end balance to earn: Balance to $1,000; qualifying balance up to $1,000.00; one premier checking account per membership Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Basic Checking	0.05%	0.05%
Min Balance $5 Details Minimum end balance to earn: $5.00; Variable rate account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Benefits Checking	0.05%	0.05%
Min Balance $5 Details Minimum end balance to earn: $5.00; Variable rate account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Minimum End Balance to Earn: $0 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 Year Arm	6.25%	-	6.308%
Details Adjustable Rate Mortgage; APR, interest rate and payment subject to increase after closing based on index changes Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.31% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
7/1 First Time Homebuyer Program Loan	6.375%	-	6.386%
Details 97% fixed rate products are available to First Time Homebuyers ONLY (i.e. you have not owned property in the last 3 years) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
7/1 Year Arm	6.375%	-	6.434%
Details Adjustable Rate Mortgage; APR, interest rate and payment subject to increase after closing based on index changes Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.43% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
10/1 Year Arm	6.525%	-	6.684%
Details Adjustable Rate Mortgage; APR, interest rate and payment subject to increase after closing based on index changes Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.68% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
10 Year Fixed	6.875%	-	7.013%	10 years
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.01% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
15 Year Fixed	7.00%	-	7.099%	15 years
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
20 Year Fixed	7.125%	-	7.437%	20 years
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
30 Year Fixed	7.375%	-	7.437%	30 years
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 7 Year Fixed	6.25%	-	6.253%	84 months
Details Credit Union membership is required; Homeowners insurance is required for the life of the loan; Home Equities for $400,000 or more require a full appraisal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Equity Loan - 10 Year Fixed	6.50%	-	6.591%	120 months
Details Credit Union membership is required; Homeowners insurance is required for the life of the loan; Home Equities for $400,000 or more require a full appraisal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Equity Loan - 15 Year Fixed	6.75%	-	6.752%	180 months
Details Credit Union membership is required; Homeowners insurance is required for the life of the loan; Home Equities for $400,000 or more require a full appraisal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	0-36 months
Details As Low As; Maximum loan amount of $250,000.00; 0.25% Auto Pay Discount available with automatic payments from a qualified Liberty Bay checking account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	5.24%	37-60 months
Details As Low As; Maximum loan amount of $250,000.00; 0.25% Auto Pay Discount available with automatic payments from a qualified Liberty Bay checking account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	5.74%	61-84 months
Details As Low As; Maximum loan amount of $250,000.00; 0.25% Auto Pay Discount available with automatic payments from a qualified Liberty Bay checking account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan - 0-60 months	-	5.99%	0-60 months
Details As Low As; Maximum loan amount of $250,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Boat Loan - 121-180 months	-	5.99%	121-180 months
Details As Low As; Maximum loan amount of $250,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Boat Loan - 61-120 months	-	5.99%	61-120 months
Details As Low As; Maximum loan amount of $250,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
RV & Trailer Loans - 00-60 months	-	6.74%	0-60 months
Details As Low As; Maximum loan amount of $250,000.00; Auto Pay Discount of 0.25% available with qualifying automatic payments Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
RV & Trailer Loans - 61-120 months	-	6.99%	61-120 months
Details As Low As; Maximum loan amount of $250,000.00; Auto Pay Discount of 0.25% available with qualifying automatic payments Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
RV & Trailer Loans - 121-180 months	-	7.74%	121-180 months
Details As Low As; Maximum loan amount of $250,000.00; Auto Pay Discount of 0.25% available with qualifying automatic payments Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.74%	0-24 Months
Details As Low As; Maximum loan amount of $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Personal Loan	9.99%	25-48 Months
Details As Low As; Maximum loan amount of $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Personal Loan	10.24%	49-60 Months
Details As Low As; Maximum loan amount of $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
100% LTV 30 Year Fixed	7.50%	-	7.563%	30 years
Details 100% LTV Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 7.69% → 7.56% ▼ 0.13 pts · high 7.69% / low 7.56% Oct 19, 20267.56%▼ from 7.69% Oct 14, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Fixed First Time Homebuyer Program	7.375%	-	7.386%
Details 97% fixed rate products are available to First Time Homebuyers ONLY (i.e. you have not owned property in the last 3 years) Last Updated 10/30/2026 Rate History 4 changes since Sep 14, 2026 · 7.14% → 7.39% ▲ 0.25 pts · high 7.64% / low 7.14% Oct 19, 20267.39%▼ from 7.51% Oct 14, 20267.51%▼ from 7.64% Oct 10, 20267.64%▲ from 7.51% Oct 1, 20267.51%▲ from 7.14% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Holiday Loan	-	-	8.99%	0-12 Months
Details As Low As; Maximum loan amount of $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Possible Loan	6.375%	-	6.425%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.43% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Premier Line of Credit	-	-	10.99%
Details As Low As; Maximum loan amount of $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

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 Bay Credit Union’s Texas Ratio stayed near 1.16% in Q3 2023 to 1.21% 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 credit union’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	$827M	1.21%	5.0	A+
March 31, 2026	$840M	0.44%	5.0	A+
December 31, 2025	$820M	1.34%	5.0	A+
September 30, 2025	$816M	2.09%	5.0	A+
June 30, 2025	$812M	1.99%	5.0	A+
March 31, 2025	$816M	1.21%	5.0	A+
December 31, 2024	$808M	1.91%	5.0	A+
September 30, 2024	$810M	2.39%	5.0	A+
June 30, 2024	$801M	2.87%	5.0	A+
March 31, 2024	$795M	1.15%	5.0	A+
December 31, 2023	$786M	2.01%	5.0	A+
September 30, 2023	$772M	1.16%	5.0	A+

Source: NCUA 5300 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 Bay Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Liberty Bay Credit Union 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 Bay Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Liberty Bay Credit Union

Website https://www.lbcu.org

Address 300 Granite St Fl 3, Braintree, MA 02184-3909

Phone 617-439-6500

Fax 617-439-6556

President Sean Cashman

CEO John Barron

Full-Time Employees 70

Part-Time Employees 0

Branch Locations 4

ATM Locations 2

NCUA 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

1.21%

Return on Assets (ROA)

0.2669%

Return on Equity (ROE)

1.7721%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

827,374,750

Total Amount of Shares and Deposits

591,349,416

Total Shares and Deposits < 1 Year

557,858,384

Total Shares and Deposits 1 3 Years

30,094,596

Total Shares and Deposits > 3 Years

3,396,436

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

116,322,917

Total Uninsured Shares and Deposits > $250K (F+J)

116,322,917

Total Insured Shares and Deposits > $250K (item 17 less item K)

475,026,499

Total Interest Expense (Sum of items 6 8)

8,063,947

Share Certificates

3,655

Number of Accounts for Share Drafts

14,024

IRA KEOGH Accounts

1,278

Number of Accounts for Regular Shares

24,422

All other shares

Non Member Deposits

Money Market Shares

2,287

Net Income (unless the amount is already included in Undivided Earnings)

2,208,589

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,562,128

Total Liabilities

713,390,792

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Liberty Bay Credit Union 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/credit-unions/liberty-bay-credit-union-rates-review-67541">
  <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

There are no reviews for Liberty Bay Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Liberty Bay Credit Union

Frequently Asked Questions About Liberty Bay Credit Union

Does Liberty Bay Credit Union offer CDs?

Yes. Liberty Bay Credit Union current CD rates include its CD of Deposit - 6 Month at 3.50% APY, its CD of Deposit - 18 Month at 3.35% APY and its CD of Deposit - 12 Month at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Liberty Bay Credit Union NCUA insured?

Yes. Liberty Bay Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Liberty Bay Credit Union?

The highest Liberty Bay Credit Union CD rate is its CD of Deposit - 19 Month Special at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Liberty Bay Credit Union offer?

Liberty Bay Credit Union CD rates are 3.00% APY for a 3 month CD, 3.50% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.35% APY for an 18 month CD, 3.25% APY for a 2 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Liberty Bay Credit Union for its full lineup.

What is the highest savings rate at Liberty Bay Credit Union?

The highest Liberty Bay Credit Union savings rate is its High Yield Savings at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Liberty Bay Credit Union?

The highest Liberty Bay Credit Union money market rate is its Business Money Market at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Liberty Bay Credit Union?

The highest Liberty Bay Credit Union checking rate is its Premier Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Liberty Bay Credit Union?

The lowest Liberty Bay Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 30, 2026. Liberty Bay Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 7.00% for a 15 year mortgage, 6.875% for a 10 year mortgage and 6.25% for a 1 year mortgage.

What is the lowest auto loan rate at Liberty Bay Credit Union?

The lowest Liberty Bay Credit Union auto loan rate is its Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Liberty Bay Credit Union?

The lowest Liberty Bay Credit Union personal loan rate is its Personal Loan at 9.74% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Liberty Bay Credit Union operate?

Liberty Bay Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Liberty Bay Credit Union?

Yes, to access services at Liberty Bay Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Liberty Bay Credit Union 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 Bay Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Liberty Bay Credit Union offer online and mobile banking?

Most modern institutions like Liberty Bay Credit Union 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.lbcu.org.

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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Bay Credit Union rates compare?

Liberty Bay Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. Liberty Bay Credit Union's top rates are its CD of Deposit - 19 Month Special at 4.35% APY, its High Yield Savings at 3.50% APY, its Business Money Market at 3.75% APY, its Premier Checking at 4.00% APY, its 5/1 Year Arm at 6.25% and its Personal Loan at 9.74% APR, verified by MonitorBankRates on October 30, 2026.

Current Liberty Bay Credit Union Rates

12-Month CD3.25%
18-Month CD3.35%
24-Month CD3.25%
60-Month CD3.00%
Savings3.50%
MMA3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Liberty Bay Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Liberty Bay Credit Union Texas Ratio

Liberty Bay Credit Union Health Trend

Liberty Bay Credit Union CD Rates

Liberty Bay Credit Union Savings Rates

Liberty Bay Credit Union Business Savings Rates

Liberty Bay Credit Union Money Market Rates

Liberty Bay Credit Union Business Money Market Rates

Liberty Bay Credit Union Checking Rates

Liberty Bay Credit Union Business Checking Rates

Liberty Bay Credit Union Mortgage Rates

Liberty Bay Credit Union Home Equity & HELOC

Liberty Bay Credit Union Auto Loan Rates

Liberty Bay Credit Union RV, Boat and Powersport Loan Rates

Liberty Bay Credit Union Personal Loan Rates

Liberty Bay Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Liberty Bay Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Liberty Bay Credit Union

Does Liberty Bay Credit Union offer CDs?

Are CDs from Liberty Bay Credit Union NCUA insured?

What is the highest CD rate at Liberty Bay Credit Union?

What CD terms does Liberty Bay Credit Union offer?

What is the highest savings rate at Liberty Bay Credit Union?

What is the highest money market rate at Liberty Bay Credit Union?

What is the highest checking rate at Liberty Bay Credit Union?

What is the lowest 30 year fixed mortgage rate at Liberty Bay Credit Union?

What is the lowest auto loan rate at Liberty Bay Credit Union?

What is the lowest personal loan rate at Liberty Bay Credit Union?

How many branches does Liberty Bay Credit Union operate?

Is a member application needed to join Liberty Bay Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Liberty Bay Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

How do Liberty Bay Credit Union rates compare?

Current Liberty Bay Credit Union Rates

Compare to Other Credit Unions