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1 To earn the interest rate(s) and rewards, your Big Interest GOLD Checking account must meet specific qualification criteria. You must i) pay a $4.00 monthly fee ii) be enrolled in our electronic statement delivery product (eStatements); and iii) must have completed 12 debit card transactions (excluding ATM transactions) each monthly statement cycle using the Debit Card(s) linked to this account. When the qualifications above are met during a monthly qualification cycle, (1) Checking balances up to $25,000 receive an Annual Percentage Yield or APY of 1.00%, and balances of over $25,000 earn 0.50% APY on the portion of balance over $25,000. (2) When Big Interest GOLD Checking account qualifications are not met, all balances in the account earn 0.05% APY. Rates are effective 10.22.21 and are subject to change without notice. (3) Some fees may apply, refer to our current Schedule of Fees. Fees could reduce earnings. Some benefits require registration/activation. The descriptions here are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefits on the certificate of insurance.
2 To earn the interest rate(s) disclosed above, your Big Interest Checking account must meet specific qualification criteria. You must i) be enrolled in our electronic statement delivery product (eStatements); and ii) must have completed 12 debit card transactions (excluding ATM transactions) each monthly statement cycle using the Debit Card(s) linked to this account. When the qualifications above are met during a monthly qualification cycle, (1) Checking balances up to $25,000 receive an Annual Percentage Yield or APY of 1.00%, and balances of over $25,000 earn 0.50% APY on the portion of balance over $25,000. (2) When Big Interest Checking account qualifications are not met, all balances in the account earn 0.05% APY. Rates are effective 10.22.21 and are subject to change without notice.
3 To earn the interest rate(s disclosed above, your Big Interest Savings account must meet specific qualification criteria. You must i) have a Big Interest GOLD or Big Interest Checking account ii) be enrolled in our electronic statement delivery product (eStatements); and iii) must have completed 12 debit card transactions (excluding ATM transactions) each monthly statement cycle using the Debit Card(s) linked to your Big Interest GOLD or Big Interest Checking account. When the qualifications above are met during a monthly qualification cycle, (1) Savings balances up to $50,000 receive an Annual Percentage Yield or APY of 0.50%, and balances of over $50,000 earn 0.50% APY on the portion of balance over $50,000. (2) When Big Interest GOLD Checking account qualifications are not met, all balances in the account earn 0.05% APY. Rates are effective 10.22.21 and are subject to change without notice. (3) Some fees may apply, refer to our current Schedule of Fees. Fees could reduce earnings.
* The FDIC National Average APY for an interest-bearing checking account is 0.04% APY as of 9/22/2020 for deposits under $100,000. The FDIC National Average APY for a 12-month CD is 0.19% APY as of 9/22/2020 for deposits under $100,000.
** For the referrer (the account holder that makes a referral) to receive the $50 Refer-a-Friend reward, the referee (the friend that opens the new account) must be a new Liberty Savings Bank (LSB) customer, open a new LSB checking account, and makes one LSB debit card purchase (excluding ATM transactions) within the first 90 days after opening the account. Once eligible, a $50 reward will be deposited into the referrer’s LSB checking account by the 10th business day. Rewards are considered miscellaneous income and may be reportable to you on the IRS Form 1099-MISC (or Form 1042-S, if applicable). By referring friends (referees) via email, the referrer agrees to allow Liberty Savings Bank to send an email on their behalf, giving the referee the opportunity to open a Liberty Savings Bank checking account. The referee’s email address will be used for this offer and will not be sold to third parties. If the referee already has a Liberty Savings Bank account, is on our email opt-out list, or if the email address provided is incorrect or no longer valid, the referee may not receive the email. Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the referees. This is a limited-time offer and is subject to change without notice. Not valid with any other offer.
