Rates

Rates Effective 02/21/2014, Please call Customer Service at 580-351-2265 to ensure rates are current.

Checking and Savings Accounts

ProductMinimum BalanceInterest RateAPY*
Liberty Cash * Qualified $0.01 - $10,000.00 1.97%2.00%
Liberty Cash * Qualified $10,000.01 or greater 0.10%0.10%
Liberty Cash * NonQualified $0.01 or greater 0.01%0.01%
Liberty NOW Checking$1,500.000.10%0.10%
FREEDOM Plus Checking$1,500.000.10%0.10%
Liberty Savers *Qualified $0.01 - $25,000 .000.30%0.30%
Liberty Savers *Qualified $25,000.01 or greater 0.15%0.15%
Liberty Savers NonQualified $0.01 or greater 0.01%0.01%
Savings Account$25.000.15%0.15%
Money Market Demand Account
$ 0.01 - $2,499.990.10%0.10%
$2,500 - $9,999.990.10%0.10%
$10,000 - $24,999.990.10%0.10%
$25,000 - $49,999.990.10%0.10%
$50,000 - $99,999.990.15%0.15%
$100,000 or greater0.15%0.15%

*APY = Annual Percentage Yield

To earn the annual percentage yield, the minimum balance is required. Rate may change after account is opened. Fees could reduce earnings on the account.

Certificates of Deposit

ProductMinimum BalanceInterest RateAPY*
3 Month$1,000.000.15%0.15%
6 Month$1,000.000.20%0.20%
12 Month$1,000.000.30%0.30%
18 Month - Fixed$1,000.000.35%0.35%
18 Month - Flex$1,000.000.35%0.35%
24 Month$1,000.000.40%0.40%
30 Month$1,000.000.45%0.45%
36 Month$1,000.000.45%0.45%

*APY = Annual Percentage Yield

Interest paid monthly by check or deposit to Liberty National Bank deposit account. Interest is not compounded but may be credited to the principal balance at maturity. Early Withdrawal Penalty may apply if withdrawals are made prior to maturity. See Schedule below. All certificates are auto renewable except as noted below.

Individual Retirement Accounts

ProductMinimum BalanceInterest RateAPY*
6 Month$100.000.20%0.21%
12 Month$100.000.30%0.31%
18 Month$100.000.35%0.36%
24 Month$100.000.40%0.41%
30 Month$100.000.45%0.46%
36 Month$100.000.45%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 Internal Revenue Service penalties apply if funds are withdrawn prior to eligible retirement age.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

TermPenalty
One thru three monthsone month's interest
Over three thru six monthsthree month's interest
Over six thru twelve monthsthree month's interest
Over twelve thru eighteen monthssix month's interest
Over eighteen monthstwelve month's interest