{"slug":"liberty-bank-of-new-jersey-18-month-certificate-of-rate","category":"bank","institutionSlug":"liberty-bank-of-new-jersey","product":"18-Month Certificate of","title":"Liberty Bank of New Jersey 18-Month Certificate of: 4.05% APY","bonus":"4.05% APY","unit":"cash","amount":0,"reqShort":"$500 minimum, 18-month term","expiresOn":null,"status":"live","verifiedOn":"2026-08-04","reports":0,"openIssues":0,"states":["NJ"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Early withdrawal penalty applies; ten days after maturity to withdraw without penalty.","posts":"","applyDomain":"libertybanknj.com","applyUrl":"https://www.libertybanknj.com/","summary":"Liberty Bank of New Jersey offers 4.05% APY on an 18-month CD with a $500 minimum deposit. The rate is fixed for the 18-month term. An early withdrawal penalty applies.","reqSteps":[],"finePrint":["4.05% annual percentage yield (apy) for the 18-month certificate of deposit (cd) is accurate as of 7/14/2026 and subject to change without notice.","Withdrawal of interest and fees may reduce earnings.","An early withdrawal penalty will apply.","Interested rate is fixed for the 18-month term of the certificate.","At maturity, certificate will renew at a standard cd term.","The account will not renew if funds are withdrawn on the maturity date.","There are ten days after maturity to withdraw funds without penalty.","Each renewal term will be different from the original term."],"apy":405,"apyTerm":"18-month term","listedOn":"2026-08-04","listedAt":"2026-08-04T13:11:00.814Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"libertybanknj.com rate page","url":"https://www.libertybanknj.com/","checkedOn":"2026-08-04"}],"needsVerification":false}