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Liberty National Bank Review

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Liberty National Bank Savings
0.15% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1902, Liberty National Bank has $456 million in assets as well as deposits totaling $396 million, classifying it as a medium-size bank. Liberty National Bank, whose headquarters are in Lawton, Oklahoma, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Coming in at a commendable 4.1 out of 5 stars, Liberty National Bank is a good bank that should be given a look. Liberty National Bank offers a full selection of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Liberty National Bank has a fair savings rate; other popular banks have higher rates. The bank's standard checking account has a monthly fee of $3.00, which is acceptable in comparison to other U.S. banks. Using an institution with free checking, in addition to a high savings APY is the best option for gaining the highest income on your deposits alongside convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.15%, Liberty National Bank ranks poorly compared to the national average. Its one-year CD earns at a rate of 1.40%, while its highest-yielding money market account earns at an APY of 0.60%. Given Liberty National Bank's noncompetitive savings rate, you should think about looking at the competition to open savings accounts.

How Liberty National Bank's Savings Rates Compare

Liberty National Bank Savings 0.15 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Liberty National Bank typically has above-average fees in comparison to other U.S. banks. Liberty National Bank's checking account has a monthly fee of $3.00, which makes it slightly worse for anyone looking for a hassle-free account. Liberty National Bank reimburses any incurred out-of-network ATM charges (with conditions), making finding an ATM a free and convenient process.

Monthly Fee $3.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Liberty National Bank is a brick-and-mortar bank, with seven total branches in Oklahoma. With mobile and web apps, Liberty National Bank makes mobile banking easy, even on the go. Liberty National Bank gets average marks from customers for its online presence. The Liberty National Bank mobile app scored a 3.6 out of 5 (with 36 reviews on Apple and Android) compared to the national average of 3.8. Liberty National Bank's mobile app allows you to manage your funds by monitoring current statements, sending and receiving money and accessing customer service. Liberty National Bank receives a superb consumer satisfaction rating due to comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.6/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Liberty National Bank ranks as a medium-size bank owning $456 million in assets and $396 million in deposits. Liberty National Bank's Texas Ratio is 2.00%, denoting that Liberty National Bank is in terrific financial well-being and improbable to fail. Additionally, Liberty National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Liberty National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.15% APY $25
Checking Account 0.1% APY $1500
Certificates of Deposit
  • 12 Month: 1.40% APY
  • 24 Month: 1.85% APY
  • 36 Month: 2.00% APY
$1000 for all terms
Money Market Account 0.35% APY $10000

Liberty National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Liberty National Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Liberty National Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Liberty National Bank Near Me

Liberty National Bank has seven branches across the U.S.

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