Rates

Rates Effective 12/01/2014, Please call Customer Service at 580-351-2265 to ensure rates are current.

Interest Checking and Savings Accounts  To earn the annual percentage yield, the minimum balance is required

Product Minimum Balance Interest Rate APY*

CHECKING

Elite Checking * Qualified $0.01 - $10,000.00 1.97% 2.00%
Elite Checking * Qualified $10,000.01 or greater 0.10% 0.10%
Elite Checking * NonQualified $0.01 or greater 0.10% 0.10%

Money Market

Demand Account
$ 0.01 - $2,499.99 0.10% 0.10%
$2,500 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.15% 0.15%
$100,000 or greater 0.15% 0.15%

*APY = Annual Percentage Yield

Certificates of Deposit   Interest paid monthly by check or deposit to Liberty National Bank deposit account. Interest may be compounded quarterly and early withdrawal of interest is permitted. Early Withdrawal Penalty may apply if withdrawals are made prior to maturity. See Schedule below. All certificates are auto renewable except as noted below.

Product Minimum Balance Interest Rate APY*
3 Month $1,000.00 0.15% 0.15%
6 Month $1,000.00 0.20% 0.20%
12 Month $1,000.00 0.30% 0.30%
18 Month - Fixed $1,000.00 0.35% 0.35%
18 Month - Flex $1,000.00 0.35% 0.35%
24 Month $1,000.00 0.40% 0.40%
30 Month $1,000.00 0.45% 0.45%
36 Month $1,000.00 0.45% 0.45%

*APY = Annual Percentage Yield

Liberty National Bank's 18 MONTH CD-STEP allows the depositor to bump the rate one time during the eighteen month term.
This Certificate allows the depositor to add unlimited additional deposits to the principal balance in increments of $250. This certificate
will not automatically renew.

Individual Retirement Accounts  Interest accrued daily and paid quarterly to the IRA account balance. Early Withdrawal Penalty may apply if withdrawals are made prior to maturity. See Schedule below. Internal Revenue Service penalties apply if funds
are withdrawn prior to eligible retirement age.

Product Minimum Balance Interest Rate APY*
6 Month $100.00 0.20% 0.21%
12 Month $100.00 0.30% 0.31%
18 Month $100.00 0.35% 0.36%
24 Month $100.00 0.40% 0.41%
30 Month $100.00 0.45% 0.46%
36 Month $100.00 0.45% 0.46%

*APY = Annual Percentage Yield

Interest accrued daily and paid quarterly to the IRA account balance. Early Withdrawal Penalty may apply if withdrawals are made prior to maturity. See Schedule below. Internal Revenue Service penalties apply if funds are withdrawn prior to eligible retirement age.

Early Certificate Withdrawal Penalty Schedule

Term Penalty
One thru three months one month's interest
Over three thru six months three month's interest
Over six thru twelve months three month's interest
Over twelve thru eighteen months six month's interest
Over eighteen months twelve month's interest
Effective 12/16/14