What are the current interest rates at First Liberty Bank?

Current rates for First Liberty Bank include: 12-Month CD: 3.90%, 24-Month CD: 3.25%, 36-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.90%, MMA: 1.30%

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First Liberty Bank

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First Liberty Bank Rates & Review September 2026

Q: How many branches does First Liberty Bank operate?

First Liberty Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Liberty Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Liberty Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

First Liberty Bank's 12-Month CD (also IRA) rates are at 3.90%, 6-Month CD rates are at 3.90%, 6-Month CD rates are at 3.90%, 24-Month CD (also IRA) rates are at 3.25%, 36-Month CD rates are at 3.00%. First Liberty Bank's savings rates are at 0.90%. First Liberty Bank's money market rates are at 1.30%. MonitorBankRates evaluates the financial stability of First Liberty Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.50%. Rates last updated and verified on 09/19/2026.

First Liberty Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Liberty Bank? Share your experience about First Liberty Bank by leaving a review below, or read customer reviews before you decide to use First Liberty Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.50%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Liberty Bank

9601 N May Ave
Oklahoma City, OK 73120

https://www.myfirstliberty.com

First Liberty Bank CD Rates

Product	Rate	APY	Term
12 Month CD (also IRA)	3.83%	3.90%	12 Month
Details Term: 12 Month CD (also IRA) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
6 Month CD	3.83%	3.90%	6 Month CD
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
6 Month CD	3.83%	3.90%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
24 Month CD (also IRA)	3.20%	3.25%	24 Month
Details Term: 24 Month CD (also IRA) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
36 Month CD	2.96%	3.00%	36 Month CD
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
36 Month CD	2.96%	3.00%	36 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
60 Month CD	2.96%	3.00%	60 Month CD
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
60 Month CD	2.96%	3.00%	60 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
28-Day Promo CD	2.13%	2.15%	28-Day Promo CD
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
28-Day Promo CD	2.13%	2.15%	28 Day
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

First Liberty Bank Savings Rates

Product	Rate	APY	View More
Savings (Personal & Business)	0.90%	0.90%
Min Balance $50 Details Balance: $50.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

First Liberty Bank Money Market Rates

Product	Rate	APY
Platinum Money Market	2.76%	2.80%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Platinum Money Market	2.57%	2.60%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Platinum Money Market	2.18%	2.20%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Platinum Money Market	2.08%	2.10%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Platinum Money Market	1.73%	1.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Platinum Money Market	1.39%	1.40%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Platinum Money Market	1.29%	1.30%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

First Liberty Bank Checking Rates

Product	Rate	APY
Max Cash Checking Account	4.97%	5.10%
Min Deposit $50 Min Balance $0 Details Qualifications Required: At least 12 debit card purchases; At least 1 ACH credit or ACH payment; Be enrolled in and agree to receive eStatements; Balances up to $24,999.99 earn 4.97% rate / 5.10% APY; balances over $24,999.99 earn 0.50% rate on the portion over $24,999.99, resulting in a range of 5.10% to 1.42% APY. ATM withdrawal fee reimbursements up to $20 monthly. This is a variable rate account. The interest rate and annual percentage yield may change. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Freedom Checking	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Freedom Checking	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Freedom Checking	0.50%	0.50%
Min Balance $100 Details Balance: $100.00 - $4,999.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Max Cash Checking Account	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details When qualifications are not met, the interest rate earned on the entire daily balance in the account will be 0.05% resulting in a non-compounding APY of 0.05%. ATM withdrawal fees are not refunded. This is a variable rate account. The interest rate and annual percentage yield may change. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

First Liberty Bank Other Rates

Product	Rate	Points	APY/APR
Business	0.90%	-	0.90%
Details $50.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
CD	4.97%	-	5.10%
Min Deposit $50 Details Balance: $0.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Liberty Bank’s Texas Ratio fell from 5.25% in Q3 2023 to 0.50% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$885M	0.50%	5.0	A+
March 31, 2026	$835M	8.16%	5.0	A
December 31, 2025	$851M	8.43%	5.0	A
September 30, 2025	$836M	9.34%	5.0	A
June 30, 2025	$817M	8.78%	5.0	A
March 31, 2025	$806M	9.17%	5.0	A
December 31, 2024	$784M	9.75%	5.0	A
September 30, 2024	$733M	9.67%	5.0	A
June 30, 2024	$727M	10.06%	5.0	A
March 31, 2024	$717M	13.43%	5.0	A
December 31, 2023	$704M	5.07%	5.0	A+
September 30, 2023	$659M	5.25%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Liberty Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Liberty Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Liberty Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Liberty Bank

Bank Holding Company FIRST LIBERTY HOLDINGS LLC

Address 9601 N May Ave, Oklahoma City, OK 73120 · Oklahoma

Website https://www.myfirstliberty.com

FDIC Certificate # 14029

Established 19331212

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0689%

Return on Equity (ROE) 9.5100%

Non-Performing Loans (NPL) 0.06%

Total Assets $885,016,000

Total Deposits $768,323,000

Equity Capital $97,800,000

Net Income $4,581,000

Headquarters Oklahoma City

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Liberty Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Liberty Bank

How many branches does First Liberty Bank operate?

First Liberty Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Liberty Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Liberty Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Liberty Bank offer online and mobile banking?

Most modern institutions like First Liberty Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myfirstliberty.com.