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 August 2026

Q: How many branches does First Liberty Bank operate?

First Liberty Bank currently maintains approximately 3 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: August 28, 2026

First Liberty Bank's 12-Month CD (also IRA) 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%, 60-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 5.25%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.25%

Excellent Lower than avg

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
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
6 Month CD	3.83%	3.90%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
24 Month CD (also IRA)	3.20%	3.25%	24 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
36 Month CD	2.96%	3.00%	36 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
60 Month CD	2.96%	3.00%	60 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
28-Day Promo CD	2.13%	2.15%	28-Day
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

First Liberty Bank Savings Rates

Product	Rate	APY
Max Saver	1.98%	2.00%
Min Deposit $50 Details Qualifications Required: linked Max Checking account qualifications are met; This is a variable rate account. The interest rate and annual percentage yield may change. The interest rate is determined at our discretion, and we may change the interest rate on your account at any time, without any limitations, and without notice to you. daily balances of $100,000.00 and above earn an interest rate of 0.50% on the portion of the daily balance over $99,999.99, resulting in a range from 2.00% to 1.25% APY depending on the account's average daily balance. When your linked Max checking account qualifications are not met, the entire daily balance in the Max Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your Max Saver account on the first processing/business day of the following statement cycle. APY* = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Online banking service MyBankerTM included. MyE-DocsTM electronic statements included. An overdraft fee applies to overdrafts created by check, in person withdrawals and electronic means. Inadvertent overdrafts caused by ATM and one time debit card transactions are excluded. $50 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A Max Cash Back or a Max Cash account is required to have a Max Saver account. A linked Max Saver account is required for automatic savings. One (1) Max Cash account per household. One (1) Max checking account per household. One (1) Max Cash Back per social security number. Advertised information and rewards are based on all account qualifications being met during each cycle period. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Savings (Personal & Business)	0.90%	0.90%
Min Balance $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

First Liberty Bank Money Market Rates

Product	Rate	APY
Platinum Money Market	2.76%	2.80%
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Platinum Money Market	2.57%	2.60%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Platinum Money Market	2.18%	2.20%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Platinum Money Market	2.08%	2.10%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Platinum Money Market	1.73%	1.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Platinum Money Market	1.39%	1.40%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Platinum Money Market	1.29%	1.30%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

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: 12 debit card purchases; 1 ACH credit or ACH payment; e-statements enrollment; Balances up to $24,999.99 earn 4.97% interest; balances over $24,999.99 earn 0.50% 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Freedom Checking	0.80%	0.80%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Freedom Checking	0.75%	0.75%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Freedom Checking	0.50%	0.50%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Max Cash Checking Account	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details If qualifications aren't met, the interest rate earned on the entire daily balance is 0.05% resulting in a non-compounding APY of 0.05%. ATM withdrawal fees are not refunded. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

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.

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 12/12/1933

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0190%

Return on Equity (ROE) 10.2100%

Non-Performing Loans (NPL) 0.00%

Total Assets $851,168,000

Total Deposits $735,429,000

Equity Capital $94,996,000

Net Income $10,115,000

Headquarters Oklahoma City

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

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Average Rating

☆☆☆☆☆

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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 3 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.