Lebanon, Oklahoma Savings Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Lebanon, Oklahoma savings account rates range from 1.00% to 10.52% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Lebanon, Oklahoma and the surrounding area include Quail Creek BankQuail Creek BankA5.0 ★Texas Ratio: 6.61%Real return: +6.82%APY minus 3.7% CPIRate verified Oct 27, 2026 LINQUP Savings at 10.52% APY, FsnbFsnbA+5.0 ★Texas Ratio: 4.08%Real return: +3.30%APY minus 3.7% CPIRate verified Oct 26, 2026 Cents-able Savings at 7.00% APY, WEOKIE Federal Credit UnionWEOKIE Federal Credit UnionA+5.0 ★Texas Ratio: 3.25%Real return: +3.30%APY minus 3.7% CPIRate verified Oct 29, 2026 Membership Savings at 7.00% APY, Arbuckle Federal Credit UnionArbuckle Federal Credit UnionA+5.0 ★Texas Ratio: 3.13%Real return: +0.89%APY minus 3.7% CPIRate verified Oct 29, 2026 Children's Share (Youth Account) at 4.59% APY, and AVB BankAVB BankA+5.0 ★Texas Ratio: 3.75%Real return: +0.37%APY minus 3.7% CPIRate verified Oct 31, 2026 Wise Savings at 4.07% APY.
Lebanon is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Oklahoma area are available to Lebanon residents, with savings rates as high as 10.52% APY from Quail Creek Bank. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lebanon, Oklahoma and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Lebanon, Oklahoma & Surrounding Communities
Balance: $0.00 - $1,000.00; Must be 30 years old or younger to qualify; Standard savings APY applies to balances of $1,000.01 and above; We'll match your initial deposit up to a $50 maximum; Additional $50 incentive if you enroll for EZ-Allowance or Direct Deposit ($50 max); Unlimited deposits; Up to six withdrawals per month; Account matches and incentives good through June 2025
Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $0.01
Qualifications Required; Balance: $0.00 - $1,000.00; Highest tier rate applies to balances up to $1,000.00 when qualifications are met; Balances above $1,000.00 earn the standard Membership Savings dividend rate; Membership eligibility required; Federally insured by the NCUA; Apply online
Balance: $5.00 - $999.99
Balances up to $5,000; Wise Checking required to open Wise Savings; Open online
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if paper statements received; rates effective as of 10/23/2026
Balance: $200,000.00 and over
Balance: $1,000,000+
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $0 - $2,500,000
Balance: $5,000+; No more than 6 withdrawals monthly without penalty; Effective September 18, 2026
Balance: All Balances; Eligibility: requires a customer who has previously held a Believe Savings account with Believe Bank
Balance: $1,000.00-$249,999.99 Daily Balance; Available to Current and Retired Educators and First Responders; Opening Deposit of $1000.00; Tiered Interest Rate based on the balance in the account; Rates may change at any time at our discretion
Balance: $5MM and over
- Oct 20, 20263.40%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Balance: All Balances; Interest compounded daily; Only $100 minimum to open; No monthly fee; $5 monthly fee if you receive paper statements; Online account opening
Balance: $100.00 - $1,000.00; Dividends Paid: Quarterly
- Oct 9, 20263.04%▼ from 3.04%
- Sep 14, 20263.04%first recorded
Balance: $1-$5,000; Savings & Checking Rates Effective June 9, 2026
Balance: $200,000-$1,000,000
Dividend credited quarterly; $0 opening balance
- Oct 4, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $50,000 - $999,999.99
Balance: $25,000 - $99,999.99
- Oct 20, 20262.90%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balances Through $1,000,000.00
Balance: $250,000 and above
Balance: $0.00 - $5,000.00; Requires electronic statement (valid e-mail address and Ebank account required)
Direct Deposit (DDEP) bonus: additional 1.00% rate bonus with a minimum $1,000 monthly ACH direct deposit or Agent Net Check into a FIGFCU Checking Account; Online Only; Not available through branch or call center
Balance: All balances; Daily Balance interest; Account fees may reduce earnings
Balance: $200,000-$1,000,000
Balance: Any balance
Min Balance to Obtain APY: $50; Interest Paid: Quarterly; Accounts contain variable rates subject to change
Min Balance to Obtain APY: $50; Interest Paid: Quarterly; Accounts contain variable rates subject to change
Balance: $150,000.00 - $199,999.99
Balance: $100,000 to $249,999.99
Balance: $1,000,000 and over; Savings & IRA
As High As; Share/IRA Accounts
- Oct 5, 20262.02%▲ from 1.87%
- Sep 29, 20261.87%first recorded
Balance: $250,000.00 or more; Available to Current and Retired Educators and First Responders; Opening Deposit of $1000.00; Tiered Interest Rate based on the balance in the account; Rates may change at any time at our discretion
Balance: $500,000 - $999,999; Savings & IRA
Balance: $5,000.00 to $24,999.99; Variable Rate Account: rate may change after account is opened
Balance: All balances
Balance: $250,000 - $499,999; Savings & IRA
Qualifying balance up to $2,000.00; 0.10% APY on balances over $2,000; limited to two withdrawals per calendar year; funded via recurring ACH or other qualifying external funds; limit one Rainy Day Account per membership
Balance: $100,000.00 - $149,999.99
Balance: $5,000.01 - $10,000.00; Requires electronic statement (valid e-mail address and Ebank account required)
Balance: $100,000 - $249,999; Savings & IRA
Balance: $1,000 - $2,499.99
Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Account balances up to $4,999.99
Balance: $25,000.00 - $99,999.99
Balance: $50,000.00 and Up
Balance: $150,000-$199,999
Balance: $100,000-$149,999
Balance: over $250; Minimum Balance to Earn APY: $250; Minimum Balance to Avoid Fees: $250
Health Savings Account (HSA)
Balance: $50,000-$99,999
Balance: $10,000.01 and Up; Requires electronic statement (valid e-mail address and Ebank account required)
Balance: $25,000 to $99,999.99
Balance: $150,000-$199,999
Balance: $25,000 - $49,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $100,000-$149,999
Balance: $2,500 - $9,999.99
Balance: $10,000 - $24,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $50,000-$99,999
Balance: $10,000.00 - $49,999.99
Balance: Over $100
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Lebanon, OK Savings Rate Trends
Compare local Lebanon, OK savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Oklahoma high-yield savings rates rose 0.014 points over the past 7 days to 2.311% APY, up from 2.297%.
Oklahoma standard savings rates rose 0.025 points over the past 7 days to 0.712% APY, up from 0.687%.
Lebanon, Oklahoma Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current OK high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current OK high-yield savings average of 2.311% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Lebanon, Oklahoma.
Savings Account Earnings in Lebanon, Oklahoma
Annual interest earnings at current OK average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.311% APY) | Monthly Earnings | Standard Savings (0.712% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $115.53 / year | $9.63 | $35.61 / year | $2.97 |
| $10,000 | $231.05 / year | $19.25 | $71.21 / year | $5.93 |
| $25,000 | $577.63 / year | $48.14 | $178.03 / year | $14.84 |
| $50,000 | $1,155.25 / year | $96.27 | $356.05 / year | $29.67 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Lebanon, Oklahoma savings rate averages as of October 31, 2026. | ||||
About Our Lebanon, Oklahoma Savings Rate Database
MonitorBankRates tracks savings rate offers from 35 banks and credit unions available to Lebanon, Oklahoma residents via statewide and national offers. No branch locations physically in Lebanon are currently in our database, but all listed offers are open to Lebanon depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Quail Creek Bank offers a savings account at 10.52% APY. Use the rate table above to compare all current offers in Lebanon, Oklahoma.
How to Find the Best Savings Rates in Lebanon, Oklahoma
What to compare when shopping for a savings account in Lebanon, Oklahoma
To find the best savings APYs in Lebanon, Oklahoma, start with credit unions and online-only banks: Lebanon, Oklahoma has 15 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current OK high-yield savings average is 2.311% but top local institutions are offering as high as 10.52%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Lebanon, Oklahoma high-yield savings rates currently average 2.311% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Lebanon, Oklahoma institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 35 institutions in Lebanon, Oklahoma report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Lebanon, Oklahoma CD rates
- You want check-writing flexibility Lebanon, Oklahoma money market rates
- You need daily transaction access Lebanon, Oklahoma checking rates
Oklahoma Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
16.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK high-yield savings average of 2.311%, saving 10% of the local median salary ($4,026/year) would earn an additional $93 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lebanon, Oklahoma Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lebanon, Oklahoma.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current OK Avg APY | 2.311% | 0.712% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Lebanon, Oklahoma averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lebanon, Oklahoma
At OK’s top rate of 10.52% from Quail Creek Bank, a $10,000 deposit earns $1,052 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lebanon, Oklahoma earner is roughly $10,100. At 2.311% APY, saving $840/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsOklahoma’s high-yield savings average is 2.311% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Lebanon, Oklahoma earner makes $40,265/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.311% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.311% APY grows to roughly $39,477 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lebanon, Oklahoma savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Lebanon, Oklahoma directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lebanon, Oklahoma. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in OK.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Lebanon, Oklahoma
What are savings account rates in Lebanon, Oklahoma today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lebanon, Oklahoma safe?
How often do savings rates change in Lebanon, Oklahoma?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Lebanon, Oklahoma?
How do I open a savings account in Lebanon, Oklahoma?
Best Savings Rates in Lebanon, Oklahoma
- Quail Creek Bank
LINQUP Savings: 10.52% APY - Fsnb
Cents-able Savings: 7.00% APY - WEOKIE Federal Credit Union
Membership Savings: 7.00% APY - Arbuckle Federal Credit Union
Children's Share (Youth Account): 4.59% APY - AVB Bank
Wise Savings: 4.07% APY
Lebanon, Oklahoma Rates & Resources
