Current Interest Rates

Let's face it. Rates matter. So do relationships. Liberty Bay Bank strives to be rate-competitive and extraordinary in client service.
Effective as of Tuesday, June 27, 2017

CD Interest Rates

Competitive rates and a great banking relationship. Now you can have both.

Certificates of Deposit* $2,500 - $99,999

Length Interest Rate APY
90 - 179 days 0.15% 0.15%
180 - 364 days 0.25% 0.25%
12 - 17 months 0.30% 0.30%
18 - 23 months 0.45% 0.45%
24 - 35 months 0.55% 0.55%
36+ months 0.60% 0.60%

Jumbo Certificates of Deposit* $100,000+

Length Interest Rate APY
90 - 179 days 0.20% 0.20%
180 - 364 days 0.30% 0.30%
12 - 17 months 0.35% 0.35%
18 - 23 months 0.50% 0.50%
24 - 35 months 0.60% 0.60%
36+ months 0.65% 0.65%

Deposit of Accounts

Investigate a full range of client-centered banking solutions.

Interest Checking

Amount Interest Rate APY
Up to $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.10% 0.10%
$25,000 and up 0.20% 0.20%

Community Checking^

Amount Interest Rate APY
Up to $2,499 0.10% 0.10%
$2,500 - $24,999 0.55% 0.55%
$25,000 and up 1.25% 1.26%

Interest on Lawyer Trust Account

Amount Interest Rate APY
$0.01 and up 0.10% 0.10%

Personal Money Market**

Amount Interest Rate APY
Up to $9,999 0.15% 0.15%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $74,999 0.15% 0.15%
$75,000 - $149,999 0.15% 0.15%
$150,000 - $399,999 0.20% 0.20%
$400,000 and up 0.45% 0.45%

Business Money Market***

Amount Interest Rate APY
Up to $9,999 0.15% 0.15%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $74,999 0.15% 0.15%
$75,000 - $149,999 0.15% 0.15%
$150,000 - $499,99 0.20% 0.20%
$500,000 - $999,999 0.45% 0.45%
$1,000,000 and up 1.29% 1.30%

Premium Business Money Market1

Amount Interest Rate APY
$0.01 - $9,999 0.00% 0.00%
$10,000 - $24,999 1.20% 1.21%
$25,000 - $74,999 1.20% 1.21%
$75,000 - $149,999 1.20% 1.21%
$150,000 - $500,000 1.20% 1.21%
$500,000.01 and up 0.15% 0.15%

Personal Savings

Amount Interest Rate APY
$0.01 and up 0.10% 0.10%

Business Savings

Amount Interest Rate APY
$0.01 and up 0.10% 0.10%

Ready to learn more?

Visit our Poulsbo offices or contact us for the full range of convenience banking services we offer.


Interest Rates are subject to change daily. Fees could reduce the earnings on the account.All accounts are compounded daily. "APY" means Annual Percentage Yield. Additional important disclosures available upon request. Member FDIC.

All Accounts: Must be present to open account. Minimum balance to open is $100, except regular CDs minimum is $2500 and Jumbo CDs is $100,000.

* Penalty will be assessed for early withdrawal.

** Tier 1 interest rate will be paid on the entire balance if your average daily balance is $400,000.00 or more. Tier 2 interest rate will be paid on the entire balance if your average daily balance is $150,000.00 or more, but less than or equal to $399,999.99. Tier 3 interest rate will be paid on the entire balance if your average daily balance is $75,000.00 or more, but less than or equal to $149,999.99. Tier 4 interest rate will be paid on the entire balance if your average daily balance is $25,000.00 or more, but less than $74,999.99. Tier 5 interest rate will be paid on the entire balance if your average daily balance is $10,000.00 or more, but less than $24,999.99. Tier 6 interest will be paid on the entire balance if your average daily balance is less than or equal to $9,999.99.

*** Tier 1 interest rate will be paid on the entire balance if your average daily balance is $1,000,000.00 or more. Tier 2 interest rate will be paid on the entire balance if your average daily balance is $500,000.00 or more, but less than or equal to $999,999.99. Tier 3 interest rate will be paid on the entire balance if your average daily balance is $150,000.00 or more, but less than or equal to $499,999.99. Tier 4 interest rate will be paid on the entire balance if your average daily balance is $75,000.00 or more, but less than $149,999.99. Tier 5 interest rate will be paid on the entire balance if your average daily balance is $25,000.00 or more, but less than $74,999.99. Tier 6 interest rate will be paid on the entire balance if your average daily balance is $10,000.00 or more, but less than or equal to $24,999.99. Tier 7 interest will be paid on the entire balance if your average daily balance is less than or equal to $9,999.99.

1 Must have an open and active Premium Business Checking account or Analysis Checking account. Tier 1 interest rate will be paid on the entire balance if your balance is $500,000.01 or more. Tier 2 interest rate will be paid on the entire balance if your balance is $150,000.00 or more, but less than or equal to $500,000.00. Tier 3 interest rate will be paid on the entire balance if your balance is $75,000.00 or more, but less than or equal to $149,999.99. Tier 4 interest rate will be paid on the entire balance if your balance is $25,000.00 or more, but less than $74,999.99. Tier 5 interest rate will be paid on the entire balance if your balance is $10,000.00 or more, but less than $24,999.99. Tier 6 interest will be paid on the entire balance that is less than or equal to $9,999.99.

^ Available to Non-Profit Organizations only. If your average monthly balance is less than $2,500.00, the interest rate paid on the entire balance will be 0.10% with an annual percentage yield of 0.10%. If your average monthly balance is $2,500.00 or more, the interest rate paid on the entire balance will be 0.55% with an annual percentage yield of 0.55%. If your average monthly balance is $25,000.00 or more, the interest rate paid on the entire balance will be 1.25% with an annual percentage yield of 1.26%.