Liberty Savings Bank

Overview / Commentary
3435 Airborne Road, Suite B
Wilmington, OH 45177

Liberty Savings Bank is headquartered in Wilmington and is the 36th largest bank in the state of Ohio. It is also the 1,047th largest bank in the nation. It was established in 1984 and as of June of 2021, it had grown to 120 employees at 6 locations. Liberty Savings Bank has a B+ health rating.

Reviews (8)

Branch In Venice

Posted by: |

My wife and I have been customers of the branch in Venice for a while. Excellent customer service, convenient location. Highly recommend.

Rate Drop 10/1/21

Posted by: |

Liberty Savings was not transparent this time as they were in the past.

Big Interest Savings pays 0.5% on ALL balances.

No Reason To Use This Bank-

The rates seemed great so I opened a checking and savings account there. I've had a lot of issues already. They don't automatically send you a debit card when you open a checking account. You have to wait 10-12 business days (in case they did send it). Then re-apply online for one to be sent to you.
Depositing mobile checks isn't an option until you've had an account open for 3 months. That is unheard of. And it's DEFINITELY something that should be waived in the current COVID-19 Climate.
Emailed the customer service email 4 times with no response on various issues.
However, the team at the branches seem to be helpful and friendly. So that's a plus.
Update 3/29/21
The only benefit of this bank was their exceptional interest rates. After jumping through multiple hoops to make sure my account was eligible for them; they dropped them down significantly with just a casual email.

Now there is definitely no benefits, extremely difficult to deposit mobile checks (get up with the times!) and limits are insane.

Seriously, no reason to bank here over banks that offer so much more on a day to day ease of use.

Jacaranda Office

Posted by: |

I have had experiences with many banks in the 31 years I have been in the Venice area. none can compare to the client care,attention, courtesy, friendliness, and professionalism that I find at MY Jacaranda branch Liberty Bank!! Thank you for the way you always attend my banking needs. YOU ARE THE BEST

Great Rates, Supurb Branch Service, Website Needs Work

Posted by: |

I've been a member for almost 2 years. You cannot beat their rates. A no-fee checking account earns 3% up to $25K, even in this dismal rate environment. They have not changed this rate, even as rates everywhere have plummeted. Savings account up to $50K earns 1.5%, again unchanged in 2 years. If you want to sweep higher balance accounts to stay within Federal guarantee limits, they can do that.

The customer service at the branch in South Sarasota is excellent. Not a single problem there.

The website, not so much. You can only access back statements online for 3 months, which is a problem if you don't reconcile frequently. I presume that the branch manager could fix that if needed, though. The website can shut down "for maintenance" at night with no notice, so you can't always count on checking your account in the wee hours. There is a maximum ACH limit per day, but if you need more--which I did when buying a house--the manager contacts operations department and lifts the limit for what you need for that instance. I must say that the branch manager works to make me happy whenever there is a problem with the site, but I subtracted a star because the website is not very robust. It needs work.

When the account is less than 90 days old, there are low limits to what you can withdraw from the ATM or even what you can deposit for the first 90 days, but again, the branch manager has helped me with that.

All this works because I am near a bricks-and-mortar branch, and it was easy to establish a relationship. I think it would be harder to get around the limits if you're an online customer only.

History From 2011

I thought these links provided some interesting history about Liberty Savings Bank.

Basically, First Financial purchased Liberty’s 16 Ohio branches in 2011. I thought their services was poor.

Worst Bank Ever!

Have been a customer of their's for 5 years and they used to be pretty good but over the last couple of years their customer service has completely gone down the toilet. They use every excuse they can to try and hold your deposits, even payroll checks, as long as they can so they can make money off your money. I have 3 accounts with them, one personal and two business accounts, and will be closing all three accounts the second they release the funds of mine they currently have on hold. I wouldn't recommend this bank to ANYONE!

Bradenton Fl Liberty Savings Bank

Posted by: |


Worst bank out there do not sign up I did the mistake of going with them and had a very bad experience. They do not try to help you out my first over draft they said sorry you need to pay, won’t compromise at all despite the fact i lost my job. Stupid hours not open Saturday what the hell is up with that and close at 4 or 5 during the week and even earlier on Saturday I’m sorry I’m a working women and do not get home till 5:30. And now I have an overdraft fee initial 38 damn bucks and if you don’t pay it you are charged 8 $ if you wait four days and the 8 keeps compounding with each day you don’t pay. please I beg of you save yourself the trouble, money, and misery and find a good decent bank i have had nothing but problems, bad customer service, and they took a lot of my money, oh and by the way there bank atm will not accept cash or check you have to put it in an envelope and wait till the next business day (if its Friday it won’t be in your accounts till Monday if it cash)for them to cash it also checks take between 5-7 biz days. 



Health Grade Components

FDIC Certificate #32242
Year Established1984
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.05%
Return on Equity - YTD21.17%
Annual Interest Income$15.5MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$923.6MM$818.5MM
LoansQ2 2021vs Q2 2020$530.4MM$594.6MM
DepositsQ2 2021vs Q2 2020$802.9MM$720.5MM
Equity CapitalQ2 2021vs Q2 2020$97.7MM$74.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$5.4MM$5.4MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$9.0MM$3.7MM
Real Estate OwnedQ2 2021vs Q2 2020$3.8MM$6.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Liberty Savings Bank Savings Account Rates

0.50%--Big Interest Savings
0.50%--Big Interest Gold Savings

Liberty Savings Bank Checking Account Rates

1.00%*-$25kBig Interest Bundle Checking
OTHER TIERS: 0.50% $25k+
1.00%*-$25kBig Interest Gold Bundle Checking
OTHER TIERS: 0.50% $25k+

Liberty Savings Bank Locations
1679 South Tamiami Trail Branch1679 South Tamiami TrailVenice, FL 34293
Sarasota Branch2323 Stickney Point RdSarasota, FL 34231
Bradenton Branch3901 Cortez Road WestBradenton, FL 34210
4103 South Tamiami Trail Branch4103 South Tamiami TrailVenice, FL 34293
Tamiami Trail Branch8383 South Tamiami TrailSarasota, FL 34236

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