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, November 19, 2019

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 - $99,999 1.20% 1.21%
$100,000 and up 1.30% 1.31%

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%

Premium Personal Money Market***

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 - $499,999 1.20% 1.21%
$500,000 - $999,999 1.60% 1.61%
$1,000,000 - $1,999,999 1.60% 1.61%
$2,000,000 and up 1.65% 1.66%

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 - $499,999 0.20% 0.20%
$500,000 - $999,999 0.45% 0.45%
$1,000,000 and up 1.20% 1.21%

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 1.20% 1.21%

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%

Health Savings Account

Balance Tiers Interest Rate APY
$0.01 and up 0.20% 0.20%

IRA Certificate of Deposit2

Term Interest Rate APY
6 Month 0.25% 0.25%
12 Month 0.30% 0.30%
18 Month 0.45% 0.45%
24 Month 0.55% 0.55%
36 Month 1.15% 1.16%

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%
17 month special 1.88% 1.90%

Jumbo Certificates of Deposit* $100,000+

Length Interest Rate APY
90 - 179 days 0.25% 0.25%
180 - 364 days 0.35% 0.35%
12 - 17 months 0.40% 0.40%
18 - 23 months 0.55% 0.55%
24 - 35 months 0.65% 0.65%
36+ months 0.70% 0.70%
17 month special 1.98% 2.00%

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.  Balance Computation Method: We use the average daily balance to calculate interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The average daily balance that we use when calculating interest is the collected balance.  That means we only include those funds for which we have actually received payment when we determine the average daily balance in which the interest is paid.

*Penalty will be assessed for early withdrawal.

**Tier 1 interest will be paid on the entire balance if your average daily balance is less than or equal to $9,999.99. Tier 2 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 3 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 4 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 5 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 6 interest rate will be paid on the entire balance if your average daily balance is $400,000.00 or more.

***Must have an open and active personal checking account.  Tier 1 interest rate will be paid on the entire balance in your average daily balance is $9,999.99 or less.  Tier 2 interest rate will be paid on the entire balance if your average daily balance is $10,000 or more, but less than or equal to $24,999.99.  Tier 3 interest rate will be paid on the entire balance if your average daily balance is $25,000 or more, but less than or equal to$74,999.99.  Tier 4 interest rate will be paid on the entire balance if your average daily balance is $75,000 or more, but less than or equal to $149,999.99.  Tier 5 interest rate will be paid on the entire balance if your average daily balance is $150,000 or more, but less than or equal to $499,999.99.  Tier 6 interest rate will be paid on the entire balance if your average daily balance is $500,000 or more, but less than or equal to $999,999.99.  Tier 7 interest rate will be paid on the entire balance if your average daily balance is $1,000,000 or more, but less than or equal to $1,999,999.99.  Tier 8 interest rate will be paid on the entire balance if your average daily balance is $2,000,000 or more.

**** Tier 1 interest will be paid on the entire balance if your average daily balance is less than or equal to $9,999.99.  Tier 2 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 3 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 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 $150,000.00 or more, but less than or equal to $499,999.99. Tier 6 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 7 interest rate will be paid on the entire balance if your average daily balance is $1,000,000.00 or more.

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

2 Tax advantages may apply; see our “IRAs Guide” for account details. Consult your tax adviser for possible tax benefits.

^ Available to Non-Profit Organizations only. Tier 1 interest rate will be paid on the entire balance if your average daily balance is less than $2,500.00, Tier 2 interest rate will be paid on the entire balance if your average daily balance is $2,500.00 or more, but less than or equal to $24,999.99. Tier 3 interest rate will be paid on the entire balance If your average daily balance is $25,000.00 or more, but less than or equal to $99,999.99. Tier 4 interest rate will be paid on the entire balance if your average daily balance is $100,000.00 or more.