Savings & Investing Accounts

Liberty Checking and Liberty Plus Checking are premiere, free checking accounts that pay interest on your balance and deliver ATM fee refunds when qualifications are met. Liberty Checking and Liberty Plus Checking are blended rate tier accounts. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. Monthly qualification criteria applies to earn tiered rate. Liberty Checking APY decreases as deposit amount increases. For example, on a $250,000 balance, you will earn a rate of 2.97% on the first $25,000 and 0.25% on the next $225,000. The blended APY of 0.50% is calculated based on a balance of $250,000.

When qualifications are met, ATM Fee Refunds of $4.99 or less will automatically be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00+ will be reimbursed if requested; an ATM receipt may be required. The maximum ATM fee refund cap is $25.00 monthly. The monthly qualifying debit card purchase for each individual debited transaction must be a minimum of $5.00. If there’s a month you don’t meet the qualifications, there’s no penalty and you still have a free checking account that earns a base annual percentage yield. Rate is subject to change without notice. Minimum deposit of $20.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees. 

Qualifications: 
Monthly qualification criteria applies to earned tier rate.

• Have and use a debit card for your Liberty Checking/Liberty Checking Plus Account 
• Have 10 or more debit card purchases post and clear each cycle. Each transaction must be a minimum of $5.00 to qualify. 
• Have at least 1 automatic payment or direct deposit post and clear each cycle. 
• Limit one Liberty Checking account per member. 

Liberty Plus Savings is a free savings account bundled with Liberty Plus Checking that pays interest on your balance when Liberty Plus Checking qualifications are met. The high-interest rates apply to balances of $0.01 or more, when qualifications are met. The monthly qualifying debit card purchase for each individual debited transaction must be a minimum of $5.00. If there’s a month you don’t meet the qualifications, there’s no penalty and you still have a free savings account that earns a base annual percentage yield. Liberty Plus Savings Account is a blended rate tier account. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. For example, on a $500,000 balance, you will earn a rate of 3.05% on the first $99,999.99, 3.15% on the next $149,999.99, and 3.25% on the next $250,000.02. The blended APY of 3.25% is calculated based on a balance of $500,000. Rate is subject to change without notice. Minimum deposit of $500.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings.  Click here for a list of fees. 

Certificate of Deposit (CD) - Rates are subject to change. CD will automatically renew at maturity to a term of one year at the then one-year certificate of deposit rate. Withdrawal of dividends or early withdrawal of principal will reduce the APY. An Early Withdrawal Penalty may be imposed if you withdraw any of the principal before the maturity date or renewal date.  

Basic Savings Accounts - Rates are subject to change. A Basic Savings Account is a Blended Rate account – a tiered account on which Rally pays dividends at a different rate for each level on deposit. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. Dividends are calculated on the average daily balance and paid quarterly. Must keep a minimum balance of $25.00 on deposit. 

Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that the Credit Union anticipates paying.

Money Market Accounts - Rates are subject to change. A Money Market Account is a blended rate tier account. Each tier corresponds to a range of account balances, APYs and interest rates. The interest rate is paid on the portion of your balance within each tier. For example, on a $500,000 balance, you will earn a rate of 0.50% on the first $49,999.99, 0.65% on the next $49,999.99, 2.22% on the next $149,999.99 and 2.71% on the next $250,000.03. The blended APY of 2.20% is calculated based on a balance of $500,000. Withdrawal of dividends or early withdrawal of principal will reduce the APY. An Early Withdrawal Penalty may be imposed if you withdraw any of the principal before the maturity date or renewal date. Dividends are calculated on the average daily balance and paid quarterly.

Home Savings Accounts - Rates are subject to change. A Home Savings Account is a Blended Rate account – a tiered account on which Rally pays dividends at a different rate for each level on deposit. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. Dividends are calculated on the average daily balance and paid quarterly. Must keep a minimum balance of $25.00 on deposit. 

Individual Retirement Accounts (IRA) - Rates are subject to change. Withdrawal of dividends or early withdrawal of principal will reduce the APY. An Early Withdrawal Penalty may be imposed if you withdraw any of the principal before the maturity date. Dividends are calculated on the average daily balance and paid quarterly.