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Liberty Bay Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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: October 10, 2026

Liberty Bay Credit Union's top rates as of October 10, 2026 are 4.10% APY on its 13 Month Special CD of Deposit, 3.50% APY on savings, 3.75% APY on money market accounts, 4.00% APY on checking, 6.25% on its 5/1 Year Arm mortgage, and personal loans from 9.74% APR, according to rates verified by MonitorBankRates. Other Liberty Bay Credit Union CD rates include IRA CD - 13 Month (Special) at 4.10%, 5 Month Special CD of Deposit at 3.95%, and IRA CD - 5 Month (Special) at 3.95%. Other Liberty Bay Credit Union mortgage rates include 7/1 First Time Homebuyer Program Loan at 6.38%, 7/1 Year Arm at 6.38%, and 10/1 Year Arm at 6.53%. 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 1.21%. Rates last updated and verified on 10/10/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.21%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Liberty Bay Credit Union
Liberty Bay Credit Union
300 Granite St Fl 3
Braintree, MA 02184-3909
https://www.lbcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Liberty Bay Credit Union CD Rates

Product Rate APY Term View More
13 Month Special Certificate of Deposit 4.02% 4.10% 13 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 13 Month (Special) 4.02% 4.10% 13 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
5 Month Special Certificate of Deposit 3.87% 3.95% 5 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 5 Month (Special) 3.87% 3.95% 5 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
6 Month Certificate of Deposit 3.44% 3.50% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
18 Month Certificate of Deposit 3.30% 3.35% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 18 Month 3.30% 3.35% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
12 Month Certificate of Deposit 3.20% 3.25% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
24 Month Certificate of Deposit 3.20% 3.25% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 12 Month 3.20% 3.25% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 24 Month 3.20% 3.25% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
3 Month Certificate of Deposit 2.96% 3.00% 3 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
36 Month Certificate of Deposit 2.96% 3.00% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
48 Month Certificate of Deposit 2.96% 3.00% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
60 Month Certificate of Deposit 2.96% 3.00% 60 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 36 Month 2.96% 3.00% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 48 Month 2.96% 3.00% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Certificate - 60 Month 2.96% 3.00% 60 Month
Min Deposit $500
Min Balance $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Savings Rates

Product Rate APY View More
High Yield Savings 3.44% 3.50%
Min Balance $9,999
Details $9,999.01 to $9,999,999.00
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 0.10%
0.00%3.45%6.90%Sep 14, 2026: 3.50% APYSep 18, 2026: 0.10% APYSep 22, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.50%▲ from 0.10%
  • Sep 18, 20260.10%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
High Yield Savings 0.10% 0.10%
Min Deposit $10,000
Min Balance $9,999
Details Balance to $9,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Holiday Club/Vacation Club 0.10% 0.10%
Min Deposit $1
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Rainy Day Club 0.10% 0.10%
Min Deposit $1
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Traditional Savings 0.10% 0.10%
Min Deposit $5
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Business Savings Rates

Product Rate APY View More
Business Savings 0.10% 0.10%
Min Deposit $5
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Money Market Rates

Product Rate APY View More
High Yield Money Market 3.68% 3.75%
Min Deposit $10,000
Min Balance $2,499,999
Details Balance: $2,499,999.01 - $9,999,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
High Yield Money Market 3.44% 3.50%
Min Deposit $10,000
Min Balance $99,999
Details Balance: $99,999.01 - $249,999
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
High Yield Money Market 3.44% 3.50%
Min Deposit $10,000
Min Balance $249,999
Details Balance: $249,999.01 - $2,499,999
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Premier Money Market 1.00% 1.00%
Min Balance $100,000
Details Balance: $100,000 - $9,999,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Premier Money Market 0.50% 0.50%
Min Balance $2,500
Details Balance: $2,500.01 - $100,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Premier Money Market 0.30% 0.30%
Min Balance $5
Details Balance: $5.01 - $2,500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Educational IRA Money Market 0.20% 0.20%
Min Deposit $500
Min Balance $500
Details Balance: $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Educational IRA Money Market 0.10% 0.10%
Min Deposit $500
Min Balance $5
Details Balance: $5.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
High Yield Money Market 0.10% 0.10%
Min Deposit $10,000
Min Balance $5
Details Balance: $5.00 - $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
High Yield Money Market 0.10% 0.10%
Min Deposit $10,000
Min Balance $24,999
Details Balance: $24,999.01 - $99,999
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Money Market 0.10% 0.10%
Min Deposit $500
Min Balance $500
Details Balance: $500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Traditional Money Market 0.10% 0.10%
Min Deposit $15
Min Balance $2,500
Details Balance: $2,500.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
IRA Money Market 0.05% 0.05%
Min Deposit $500
Min Balance $5
Details Balance: $5.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Traditional Money Market 0.05% 0.05%
Min Deposit $15
Min Balance $5
Details Balance: $5.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market 3.68% 3.75%
Min Deposit $5
Min Balance $249,999
Details Balance: $249,999.01 - $9,999,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Business Money Market 2.96% 3.00%
Min Deposit $5
Min Balance $99,999
Details Balance: $99,999.01 - $249,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Business Money Market 2.47% 2.50%
Min Deposit $5
Min Balance $24,999
Details Balance: $24,999.01 - $99,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Business Money Market 1.74% 1.75%
Min Deposit $5
Min Balance $9,999
Details Balance: $9,999.01 - $24,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Business Money Market 0.25% 0.25%
Min Deposit $5
Min Balance $5
Details Balance: $5 - $9,999.00
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Checking Rates

Product Rate APY View More
Premier Checking 3.92% 4.00%
Min Deposit $500
Min Balance $500
Details Balance to $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Basic Checking 0.05% 0.05%
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Benefits Checking 0.05% 0.05%
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Premier Checking 0.05% 0.05%
Min Deposit $500
Min Balance $1,000
Details $1,000.01 - $9,999,999.00
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 0.05% ▼ 3.95 pts · high 4.00% / low 0.05%
0.00%3.98%7.95%Sep 14, 2026: 4.00% APYSep 18, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20260.05%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Mortgage Rates

Product Rate Points APR Term View More
5/1 Year Arm 6.25% - 6.308% 5/1 Year Arm
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 6.31% APR · checked 2 times
5.81%6.31%6.81%Sep 18, 2026: 6.31% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
7/1 First Time Homebuyer Program Loan 6.375% - 6.386% 7 years
Details Term: 7/1 First Time Homebuyer Program
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.39% APR
5.89%6.39%6.89%Oct 10, 2026: 6.39% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
7/1 Year Arm 6.375% - 6.434% 7/1 Year Arm
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 6.43% APR · checked 2 times
5.93%6.43%6.93%Sep 18, 2026: 6.43% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
10/1 Year Arm 6.525% - 6.684% 10/1 Year Arm
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 6.68% APR · checked 2 times
6.18%6.68%7.18%Sep 18, 2026: 6.68% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Mortgage Loans - 10 Year Fixed 7.00% - 7.138% 10 Year
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.51% → 7.14% ▲ 0.63 pts · high 7.14% / low 6.51%
5.89%6.82%7.76%Sep 18, 2026: 6.51% APROct 10, 2026: 7.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20267.14%▲ from 6.51%
  • Sep 18, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Mortgage Loans - 15 Year Fixed 7.125% - 7.224% 15 Year
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.60% → 7.22% ▲ 0.63 pts · high 7.22% / low 6.60%
5.97%6.91%7.85%Sep 18, 2026: 6.60% APROct 10, 2026: 7.22% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20267.22%▲ from 6.60%
  • Sep 18, 20266.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Mortgage Loans - 20 Year Fixed 7.50% - 7.581% 20 Year
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.08% → 7.58% ▲ 0.50 pts · high 7.58% / low 7.08%
6.58%7.33%8.08%Sep 18, 2026: 7.08% APROct 10, 2026: 7.58% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20267.58%▲ from 7.08%
  • Sep 18, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Mortgage Loans - 30 Year Fixed 7.625% - 7.636% 30 Year
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.14% → 7.64% ▲ 0.50 pts · high 7.64% / low 7.14%
6.64%7.39%8.14%Sep 18, 2026: 7.14% APROct 10, 2026: 7.64% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20267.64%▲ from 7.14%
  • Sep 18, 20267.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity 7 Year Fixed 6.25% - 6.253% 84 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Home Equity 10 Year Fixed 6.50% - 6.591% 120 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.59% APR · checked 8 times
6.09%6.59%7.09%Sep 14, 2026: 6.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Home Equity 15 Year Fixed 6.75% - 6.752% 180 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.99% 0-36 months
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Auto Loans - - 5.24% 37-60 months
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Auto Loans - - 5.74% 61-84 months
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loans - 5.99% 0-60 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Boat Loans - 5.99% 61-120 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Boat Loans - 5.99% 121-180 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
RV & Trailer Loans - 6.74% 0-60 months
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
RV & Trailer Loans - 6.99% 61-120 months
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
RV & Trailer Loans - 7.74% 121-180 months
Details As Low As
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 9.74% 0-24 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 7 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Personal Loan 9.99% 25-48 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Personal Loan 10.24% 49-60 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 7 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%

Liberty Bay Credit Union Other Rates

Product Rate Points APY/APR Term View More
100% LTV 30 Year Fixed 7.75% - 7.814% 100 months
Details Term: 100% LTV 30 Year Fixed
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.31% → 7.81% ▲ 0.50 pts · high 7.81% / low 7.31%
6.81%7.56%8.32%Sep 18, 2026: 7.31% APROct 10, 2026: 7.81% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20267.81%▲ from 7.31%
  • Sep 18, 20267.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Fixed First Time Homebuyer Program 7.625% - 7.636%
Details Term: Fixed First Time Homebuyer Program
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 7.14% → 7.64% ▲ 0.50 pts · high 7.64% / low 7.14%
6.64%7.39%8.14%Sep 14, 2026: 7.14% APROct 1, 2026: 7.51% APROct 10, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.64%▲ from 7.51%
  • Oct 1, 20267.51%▲ from 7.14%
  • Sep 14, 20267.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Holiday Loan - - 8.99% 0-12 Months
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Home Possible Loan 6.375% - 6.425%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.43% APR · checked 6 times
5.93%6.43%6.93%Sep 14, 2026: 6.43% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
Premier Line of Credit - - 10.99%
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 22, 2026: 10.99% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.21%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Liberty Bay Credit Union’s Texas Ratio stayed near 1.16% in Q3 2023 to 1.21% in Q2 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.

0% 1.0★ 1% 2.0★ 1.9% 3.0★ 2.9% 4.0★ 3.9% 5.0★ Healthy zone – entire history below the 15% limit 1.16% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.21% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$827M1.21%5.0A+
March 31, 2026$840M0.44%5.0A+
December 31, 2025$820M1.34%5.0A+
September 30, 2025$816M2.09%5.0A+
June 30, 2025$812M1.99%5.0A+
March 31, 2025$816M1.21%5.0A+
December 31, 2024$808M1.91%5.0A+
September 30, 2024$810M2.39%5.0A+
June 30, 2024$801M2.87%5.0A+
March 31, 2024$795M1.15%5.0A+
December 31, 2023$786M2.01%5.0A+
September 30, 2023$772M1.16%5.0A+
Source: NCUA 5300 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 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

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.21%
Return on Assets (ROA)
0.2669%
Return on Equity (ROE)
1.7721%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
827,374,750
Total Amount of Shares and Deposits
591,349,416
Total Shares and Deposits < 1 Year
557,858,384
Total Shares and Deposits 1 3 Years
30,094,596
Total Shares and Deposits > 3 Years
3,396,436
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
116,322,917
Total Uninsured Shares and Deposits > $250K (F+J)
116,322,917
Total Insured Shares and Deposits > $250K (item 17 less item K)
475,026,499
Total Interest Expense (Sum of items 6 8)
8,063,947
Share Certificates
3,655
Number of Accounts for Share Drafts
14,024
IRA KEOGH Accounts
1,278
Number of Accounts for Regular Shares
24,422
All other shares
13
Non Member Deposits
6
Money Market Shares
2,287
Net Income (unless the amount is already included in Undivided Earnings)
2,208,589
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)
18,562,128
Total Liabilities
713,390,792
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Liberty Bay Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Liberty Bay Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Liberty Bay Credit Union

How 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

  • 12-Month CD3.25%
  • 18-Month CD3.35%
  • 24-Month CD3.25%
  • 60-Month CD3.00%
  • Savings3.50%
  • MMA3.75%
Retrieved from our database of financial products. Rates subject to change.

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