Strategic Reserves for Your Organization’s Next Milestone
At Liberty Savings Bank, we understand that every dollar saved is a dollar that can further your cause. Our Money Market Deposit Accounts (MMDA) are designed to help non-profits balance the need for growth with the necessity of immediate access, ensuring your organization’s reserves work as hard as your advocates do.
Tailored for local non-profit leaders who prioritize both financial stewardship and operational agility, this account ensures your surplus funds remain productive while staying ready for your next community initiative.
Why Our MMDA Supports Your Mission:
Tiered Growth for Impact: Earn higher rates on your reserves, allowing you to maximize the resources available for your programs.
Mission Liquidity: Access your funds whenever a new opportunity or urgent need arises—without the restrictive lock-up periods of a CD.
Community-Centric Insight: Work with a local team that is deeply invested in the Sarasota-Manatee non-profit sector and understands your unique challenges.
Fiduciary Security: Protect your donors’ contributions with the peace of mind provided by FDIC insurance.
Note: Tiers feature variable rates determined during a customized analysis of your organization’s specific financial needs.
| Daily Balance Range |
APY* |
| $1,000,000+ |
3.75% |
| $500,000 – $1,000,000 |
3.50% |
| $250,000 – $500,000 |
3.00% |
| $100,000 – $250,000 |
2.50% |
| $50,000 – $100,000 |
2.10% |
| $0 – $50,000 |
0.56% |
*Annual Percentage Yields (APYs) are accurate as of April 26, 2026. Tiered APYs are as follows: 3.75% APY for daily balances of $1,000,000+; 3.50% APY for daily balances of $500,001–$1,000,000; 3.00% APY for daily balances of $250,001–$500,000; 2.50% APY for daily balances of $100,001–$250,000; 2.10% APY for daily balances of $50,001–$100,000; 0.56% APY for daily balances of $0.00–$50,000. The interest rate listed in each tier will be paid on the entire balance in your account.
Rate Information: This is a variable rate account. At our discretion, we may change the interest rate and APY on your account at any time. There are no maximum or minimum interest rate limits. Interest is compounded daily and credited to your account monthly.
Balance and Fees: A minimum deposit of $2,500.00 in new money is required to open this account. A monthly maintenance fee of $10.00 will be imposed every statement cycle if the daily balance on any day of the cycle falls below $2,500.00. An early closure fee of $50.00 will be charged if the account is closed within the first 180 days of opening.
Additional Terms: A dormant account fee will be charged after 6 months of inactivity if the balance is less than $10,000.00. Online banking sign-ins and ATM balance inquiries do not constitute account activity. No transaction limitations apply to this account. New deposits must be verified or immediately avaiable.
Liberty Savings Bank, F.S.B. | Member FDIC Deposits over $1,000,000 subject to review. This is a limited time offer and subject to change without notice. Fees could reduce earnings.
