# Liberty Bank of New Jersey 18-Month Certificate of: 4.05% APY

Canonical: https://dealaka.com/offers/liberty-bank-of-new-jersey-18-month-certificate-of-rate

- Status: Limited reports
- Bonus: 4.05% APY
- APY: 4.05% (18-month term)
- Requirement: $500 minimum, 18-month term
- Expires: no published end date
- Availability: NJ (NJ)
- Institution: Liberty Bank of New Jersey
- Verified: Aug 4, 2026 against libertybanknj.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the 18-Month Certificate of.
2. Complete the requirement: $500 minimum, 18-month term.

## Fine print that matters
- 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- The account will not renew if funds are withdrawn on the maturity date.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.

## Sources
- libertybanknj.com rate page <https://www.libertybanknj.com/> (checked Aug 4, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._