Make Your Savings Work as Hard as You Do

At Liberty Savings Bank, we believe your hard-earned money should never sit idle. Our Money Market Deposit Account (MMDA) offers the perfect blend of high-yield growth and the flexibility you need for life’s unexpected moments.

Whether you’re building a “rainy day” fund or saving for a major milestone, our MMDA ensures your balance stays productive without being locked away.

Why Our MMDA Fits Your Life:

  • Tiered Interest: The more you save, the more you earn with our competitive rate structure.

  • Instant Access: Enjoy the freedom to withdraw funds when you need them—no CD lock-up periods required.

  • A Local Partnership: Experience personalized service from neighbors who care about the Sarasota-Manatee community.

  • Total Security: Your future is protected by FDIC insurance.

Contact your local Liberty Savings Bank Financial Center for the latest rates.

Note: Rates are variable and based on your specific account tier and savings goals.

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.