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 Liberty Bay Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: September 22, 2026
Liberty Bay Credit Union's 13 Month Special CD rates are at 4.10%, 5 Month Special CD rates are at 3.95%, 6 Month CD of Deposit rates are at 3.50%, 18 Month CD of Deposit rates are at 3.35%, 12 Month CD of Deposit rates are at 3.25%. Liberty Bay Credit Union's savings rates are at 0.10%. Liberty Bay Credit Union's money market rates are at 0.05%. 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%, Mortgage Loans - 10 Year Fixed rates are at 6.38%, Mortgage Loans - 15 Year Fixed rates are at 6.50%. Liberty Bay Credit Union's Personal Loan Rates are as low as 9.74%. 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 0.44%. Rates last updated and verified on 09/22/2026. 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. Liberty Bay Credit Union
Liberty Bay Credit Union 300 Granite St Fl 3
https://www.lbcu.org Braintree, MA 02184-3909 
Liberty Bay Credit Union CD Rates
Liberty Bay Credit Union Savings Rates
Liberty Bay Credit Union Money Market Rates
Liberty Bay Credit Union 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 HistoryLiberty Bay Credit Union’s Texas Ratio fell from 1.40% in Q2 2023 to 0.44% in Q1 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.44%
Return on Assets (ROA)
0.1234%
Return on Equity (ROE)
0.8394%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
839,905,103
Total Amount of Shares and Deposits
590,581,365
Total Shares and Deposits < 1 Year
567,354,598
Total Shares and Deposits 1 3 Years
19,282,237
Total Shares and Deposits > 3 Years
3,944,530
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
116,677,229
Total Uninsured Shares and Deposits > $250K (F+J)
116,677,229
Total Insured Shares and Deposits > $250K (item 17 less item K)
473,904,136
Total Interest Expense (Sum of items 6 8)
4,055,656
Share Certificates
3,695
Number of Accounts for Share Drafts
13,972
IRA KEOGH Accounts
1,307
Number of Accounts for Regular Shares
24,358
All other shares
13
Non Member Deposits
4
Money Market Shares
2,326
Net Income (unless the amount is already included in Undivided Earnings)
1,036,227
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)
34,953,227
Total Liabilities
726,736,057
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Liberty Bay Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Liberty Bay Credit Union
Frequently Asked Questions About Liberty Bay Credit UnionHow 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. Current Liberty Bay Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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