What are the current interest rates at Liberty Bank Middletown, CT?

Current rates for Liberty Bank Middletown, CT include: 12-Month CD: 1.00%, 24-Month CD: 1.05%, 36-Month CD: 1.25%, 48-Month CD: 1.35%, 60-Month CD: 1.45%, Savings: 0.05%, MMA: 0.15%

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Liberty Bank Middletown, CT

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Liberty Bank Middletown, CT Rates & Review October 2026

Item: Liberty Bank Middletown, CT
Rating: 5
Author: Peter

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Liberty Bank Middletown, CT's top rates as of October 7, 2026 are 4.00% APY on its 6-Month CD, 0.05% APY on savings, 0.15% APY on money market accounts, and 6.50% on its Fixed-Rate Mortgage, according to rates verified by MonitorBankRates. Other Liberty Bank Middletown, CT CD rates include 6-Month Business CD at 3.80%, 6-Month HSA CD at 3.80%, and 3-Month Business CD at 3.00%. Other Liberty Bank Middletown, CT mortgage rates include Adjustable-Rate Mortgage at 6.625%, 10/6m ARM at 6.625%, and 15 Year Fixed Mortgage at 7.00%. MonitorBankRates evaluates the financial stability of Liberty Bank Middletown, CT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.90%. Rates last updated and verified on 10/07/2026.

Liberty Bank Middletown, CT 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 Bank Middletown, CT? Share your experience about Liberty Bank Middletown, CT by leaving a review below, or read customer reviews before you decide to use Liberty Bank Middletown, CT.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.90%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Liberty Bank

245 Long Hill Rd
Middletown, CT 06457

https://www.liberty-bank.com

Customer Reviews

5.0 ★ 2 reviews

Write a Review

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

Liberty Bank Middletown, CT CD Rates

Product	Rate	APY	Term
6-Month CD	3.93%	4.00%	6-Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
6-Month HSA CD	3.74%	3.80%	6-Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
3-Month CD	2.96%	3.00%	3-Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
1-Year CD	2.72%	2.75%	1-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
1-Year HSA CD	2.72%	2.75%	1-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
5-Year CD	1.44%	1.45%	5-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
4-Year CD	1.34%	1.35%	4-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
3-Year CD	1.24%	1.25%	3-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
2-Year CD	1.045%	1.05%	2-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
32-Day CD	0.75%	0.75%	32-Day
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Business CD Rates

Product	Rate	APY	Term
6-Month Business CD	3.74%	3.80%	6-Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
3-Month Business CD	2.96%	3.00%	3-Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
1-Year Business CD	1.00%	1.00%	1-Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Savings Rates

Product	Rate	APY
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers	3.78%	3.85%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers	3.44%	3.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings with bump up for PayBack or Quarter Back customers	2.23%	2.25%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings	1.73%	1.75%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Health Savings Account (HSA)	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000.00+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Health Savings Account (HSA)	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Cinch Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Cinch Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Cinch Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.01- $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Relationship High Yield Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $14,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Business Savings Rates

Product	Rate	APY
Cinch Business Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Cinch Business Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Cinch Business Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Money Market Rates

Product	Rate	APY
Money Market Special	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Special	2.71%	2.75%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Special	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Market Special	1.98%	2.00%
Min Balance $0 Details Balance: $0.01-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Business Money Market Rates

Product	Rate	APY
Business Money Market Special	3.15%	3.20%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Special	3.00%	3.05%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Special	2.76%	2.80%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market Special	2.52%	2.55%
Min Balance $0 Details Balance: $0.01 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Max Money Market	0.35%	0.35%
Min Balance $0 Details Balance: $0.01 - $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Market	0.35%	0.35%
Min Deposit $25 Min Balance $0 Details Rates are effective as of January 5, 2026. The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. Subject to 1099 reporting. Fees may reduce earnings. Rate is variable and is subject to change at any time. Balance: $0.01 - $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Max Money Market	0.15%	0.15%
Min Balance $250,000 Details Balance: Add'l bal over $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable-Rate Mortgage	6.625%	-	6.50%	10/6 months
Details Loan amounts up to $3 million. Index is based on the 30-day Average SOFR index published by the Federal Reserve Bank of New York. The margin is 2.75%. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Fixed-Rate Mortgage	6.50%	1.000	6.50%	30 years
Details Loan amounts up to $3 million Last Updated 10/07/2026 Rate History 2 changes since Sep 24, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.63% / low 6.25% Oct 7, 20266.50%▼ from 6.63% Oct 1, 20266.63%▲ from 6.25% Sep 24, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
10/6m ARM	6.625%	0	6.656%	10/6 months
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
10/6m ARM	6.625%	0	6.656%	10/6m ARM
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.36% → 6.66% ▲ 0.29 pts · high 6.66% / low 6.36% Oct 1, 20266.66%▲ from 6.53% Sep 27, 20266.53%▲ from 6.36% Sep 15, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
15 Year Fixed Mortgage	7.00%	0	7.121%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.49% → 7.12% ▲ 0.63 pts · high 7.12% / low 6.49% Oct 7, 20267.12%▲ from 6.87% Oct 1, 20266.87%▲ from 6.75% Sep 27, 20266.75%▲ from 6.49% Sep 15, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
30 Year Fixed Mortgage	7.50%	0	7.577%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 7.08% → 7.58% ▲ 0.50 pts · high 7.58% / low 7.08% Oct 1, 20267.58%▲ from 7.45% Sep 27, 20267.45%▲ from 7.20% Sep 24, 20267.20%▲ from 7.08% Sep 15, 20267.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line	-	-	6.50%
Details Line/Loan Amount: $25,000 - $500,000; LTV: <=80% LTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 24, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
5 Year Fixed Home Equity Loan	6.75%	-	6.75%	5 Year
Details Loan Amount: $5,000 - $500,000; LTV: <=80% LTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
10 Year Fixed Home Equity Loan	7.00%	-	7.00%	10 Year
Details Loan Amount: $5,000 - $500,000; LTV: <=80% LTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Good Neighbor Home Equity Line	-	-	7.00%
Details Line/Loan Amount: $1,000 - $50,000; LTV: <=125% LTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 24, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
15 Year Fixed Home Equity Loan	7.375%	-	7.375%	15 Year
Details Loan Amount: $5,000 - $500,000; LTV: <=80% LTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
20 Year Fixed Home Equity Loan	7.875%	-	7.875%	20 Year
Details Loan Amount: $5,000 - $500,000; LTV: <=80% LTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Home Equity Line	-	-	8.25%
Details Line/Loan Amount: $10,000 - $24,999; LTV: <=80% LTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Sep 24, 20268.25%▲ from 8.00% Sep 15, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

Liberty Bank Middletown, CT Other Rates

Product	Rate	Points	APY/APR	Term
Refinancing	6.50%	1.000	6.50%	30 years
Details Loan amounts up to $3 million Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Maker	0.30%	-	0.30%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Maker	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Business Money Maker	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Maker	0.30%	-	0.30%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Maker	0.25%	-	0.25%
Min Balance $150,000 Details Balance: $150,000 - $199,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Maker	0.20%	-	0.20%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Maker	0.20%	-	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Maker	0.05%	-	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%
Money Maker	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.90%

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.
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Financial Health History

Liberty Bank Middletown, CT’s Texas Ratio fell from 5.22% in Q3 2023 to 1.90% in Q2 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$9.4B	1.90%	5.0	A+
March 31, 2026	$9.0B	2.25%	5.0	A+
December 31, 2025	$9.0B	2.37%	5.0	A+
September 30, 2025	$8.7B	2.45%	5.0	A+
June 30, 2025	$8.5B	2.53%	5.0	A+
March 31, 2025	$8.2B	3.10%	5.0	A+
December 31, 2024	$8.1B	3.82%	5.0	A+
September 30, 2024	$7.9B	3.76%	5.0	A+
June 30, 2024	$7.8B	3.99%	5.0	A+
March 31, 2024	$7.7B	6.14%	5.0	A
December 31, 2023	$7.7B	3.36%	5.0	A+
September 30, 2023	$7.4B	5.22%	5.0	A+

Source: FDIC 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 Bank Middletown, CT is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Liberty Bank Middletown, CT 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 Bank Middletown, CT's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Liberty Bank Middletown, CT

Bank Holding Company LIBERTY FINANCIAL CORP

Address 245 Long Hill Rd, Middletown, CT 06457 · Lower Connecticut River Valley

Website https://www.liberty-bank.com

FDIC Certificate # 17943

Established 18250515

FDIC Insurance Date 19590102

Domestic Offices 51

Total Branches 51

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2954%

Return on Equity (ROE) 9.9200%

Non-Performing Loans (NPL) 0.25%

Total Assets $9,379,852,000

Total Deposits $7,122,676,000

Equity Capital $1,227,473,000

Net Income $59,116,000

Headquarters Middletown

Total Branches and Offices 51

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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Customer Reviews

Peter

★★★★★

February 19, 2026

Great service, easy-to-use app, & great CD rates.

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Peter

★★★★★

February 19, 2026

Great service, easy-to-use app, & great CD rates.

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Frequently Asked Questions About Liberty Bank Middletown, CT

How many branches does Liberty Bank Middletown, CT operate?

Liberty Bank Middletown, CT currently maintains approximately 51 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Liberty Bank Middletown, CT 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 Bank Middletown, CT provides members with tools to manage their accounts and build a solid financial history.

Does Liberty Bank Middletown, CT offer online and mobile banking?

Most modern institutions like Liberty Bank Middletown, CT 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.liberty-bank.com.