Account Rates

It all adds up to more money in your pocket.

On the list of smart financial moves, putting money into interest-bearing bank accounts is toward the top. That's because your funds keep growing all the time without any effort on your part. At Lincoln Savings Bank, we give your balance a nice boost with competitive rates on Savings, Money Market, CDs and other deposit accounts.

Rates effective as of 11/29/2021

Certificates of Deposit

Term Minimum to obtain APY* APY Interest Rate
3 Months $2500 0.17% 0.17%
6 Months $2500 0.18% 0.18%
12 Months $2500 0.31% 0.31%
24 Months $2500 0.51% .51%
48 Months $2500 0.86% 0.86%
36 Months $2500 0.70% 0.70%
60 Months $2500 0.98% 0.98%
Term
3 Months
6 Months
6 Months
12 Months
12 Months
24 Months
24 Months
48 Months
48 Months
36 Months
36 Months
60 Months
60 Months
Minimum to obtain APY*
$2500
6 Months
$2500
12 Months
$2500
24 Months
$2500
48 Months
$2500
36 Months
$2500
60 Months
$2500
APY
0.17%
6 Months
0.18%
12 Months
0.31%
24 Months
0.51%
48 Months
0.86%
36 Months
0.70%
60 Months
0.98%
Interest Rate
0.17%
6 Months
0.18%
12 Months
0.31%
24 Months
.51%
48 Months
0.86%
36 Months
0.70%
60 Months
0.98%

*$2500 minimum deposit required to obtain APY. APY = Annual Percentage Yield.  Penalty for early withdrawal of time deposits. Three(3) and six(6) month time deposits pay interest at maturity. All other terms compound quarterly. The APY presumes that interest remains on deposit until maturity. A withdrawal of interest will reduce the earnings on the account. Deposits under $1 million are eligible for non-special rates above. Please contact for pricing on public deposits over $1 million dollars. CDARS rates and terms available upon request. Early withdrawal penalties may apply.

Savings Accounts

Account Type Minimum to Obtain APY* APY Interest Rate
Savings (Interest Compounded Quarterly) $0.01 0.05% 0.05%
Health Savings (Interest Compounded Monthly) No Minimum 0.10% 0.10%
Account Type
Savings (Interest Compounded Quarterly)
Health Savings (Interest Compounded Monthly)
Health Savings (Interest Compounded Monthly)
Minimum to Obtain APY*
$0.01
Health Savings (Interest Compounded Monthly)
No Minimum
APY
0.05%
Health Savings (Interest Compounded Monthly)
0.10%
Interest Rate
0.05%
Health Savings (Interest Compounded Monthly)
0.10%

APY = Annual Percentage Yield. Fees could reduce earnings. Rates may change after account is opened.
*Savings Account requires $50.00 to open the account.  APY = Annual Percentage Yield.  Fees could reduce earnings.  Rates may change after account is opened.

Premier Money Market

Interest Rate Tiers APY Interest Rate
$0.01-$2,499.99 0.05% 0.05%
$2,500 - $99,999.99 0.05% 0.05%
$100,000-$199,999.99 0.10% 0.10%
$250,000-$499,999.99 .15% 0.15%
$500,000-$999,999.99 0.25% 0.25%
$1,000,000 and OVER 0.30% 0.30%
Interest Rate Tiers
$0.01-$2,499.99
$2,500 - $99,999.99
$2,500 - $99,999.99
$100,000-$199,999.99
$100,000-$199,999.99
$250,000-$499,999.99
$250,000-$499,999.99
$500,000-$999,999.99
$500,000-$999,999.99
$1,000,000 and OVER
$1,000,000 and OVER
APY
0.05%
$2,500 - $99,999.99
0.05%
$100,000-$199,999.99
0.10%
$250,000-$499,999.99
.15%
$500,000-$999,999.99
0.25%
$1,000,000 and OVER
0.30%
Interest Rate
0.05%
$2,500 - $99,999.99
0.05%
$100,000-$199,999.99
0.10%
$250,000-$499,999.99
0.15%
$500,000-$999,999.99
0.25%
$1,000,000 and OVER
0.30%

*Premier Money Market requires $50.00 to open the account.  APY = Annual Percentage Yield.  Fees could reduce earnings.  Rates may change after account is opened.

Lincoln Savings Bank is a full-service Iowa bank dedicated to local customers and communities since 1902.