Certificates of Deposit (CDs)

Lincoln Savings Bank (LSB) has always taken pride in providing competitive rates on CDs. We offer a variety of terms to fit your time-frame and financial goals. Visit our Rates and Specials page for our current CD specials or APPLY NOW for one of our CD Specials.

Your CD monies with LSB are FDIC insured up to $250,000. If you should require FDIC insurance for amounts greater than $250,000, LSB is part of an elite group of community banks who participate in a program called Certificate of Deposit Account Registry Service (CDARS). CDARS provides FDIC protection on your CD money with LSB for amounts up to $50 Million. Your CD monies in excess of $100,000 will be placed in network institutions, providing several benefits to you!

  • The Safety and Security of FDIC insurance protection on all your CD money
  • A consolidated monthly statement
  • A single 1099 at year end
  • The same outstanding CD rates that you have come to expect from LSB

Learn more about the CDARS program by visiting one of the video links below:

Quicktime Version: Click here to view the How CDARS Works Video
Windows Media File: Click here to view the How CDARS Works Video

What is a Certificate of Deposit (CD)?
A CD is a savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued in any denomination. CDs are insured by the FDIC.
CD Specials
Term Minimum APR Interest Rate  
21 Month $2500 0.85% 0.85% Apply Now
21 month - Interest will be compounded quarterly and then at maturity. The CD automatically renews to a 24-month term. A penalty may be imposed for early withdrawal. APY=Annual Percentage Yield

*A penalty may be imposed for early withdrawal*

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