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 01/29/2024.

Certificate of Deposit (CD)

Please reach out to your local LSB branch for more information about our great rates customized to your needs. 

Term Minimum to Obtain APY* APY Interest Rate
9 Months $2500 5.40% 5.29%
12 Months $2500 5.20% 5.10%
Term
12 Months
Minimum to Obtain APY*
12 Months
$2500
APY
12 Months
5.20%
Interest Rate
12 Months
5.10%

*APY = Annual Percentage Yield. $2,500 minimum balance required to obtain APY. Public funds are not eligible for this offer. Interest will be compounded and credited to your account quarterly and at maturity. Early withdrawal penalties will apply. Fees may reduce earnings. The offer will renew automatically for a term of 12 months at a new rate. APY is accurate as of 01/29/2024 and is subject to change without notice.

*$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 0.25% 0.25%
Health Savings (Interest Compounded Monthly) $0.01 0.10% 0.10%
Account Type
Savings (Interest Compounded Quarterly)
Health Savings (Interest Compounded Monthly)
Minimum to Obtain APY*
Savings (Interest Compounded Quarterly)
$0.01
Health Savings (Interest Compounded Monthly)
$0.01
APY
Savings (Interest Compounded Quarterly)
0.25%
Health Savings (Interest Compounded Monthly)
0.10%
Interest Rate
Savings (Interest Compounded Quarterly)
0.25%
Health Savings (Interest Compounded Monthly)
0.10%

Companion Savings Account

Term Minimum to Obtain APY* Maximum Deposit APY
No Set Term $2,500 No Maximum Deposit Value 4.06%
Term
Minimum to Obtain APY*
Maximum Deposit
APY

*APY = Annual Percentage Yield. Fees could reduce earnings. Rates may change after account is opened.
New or existing account or line of service with us is required to open a Companion Savings Account. Savings Account requires $50.00 to open the account unless stated otherwise. 

Premier Money Market

Interest Rate Tiers APY Interest Rate
$0.01-$2,499.99 0.60% 0.60%
$2,500 - $99,999.99 0.80% 0.80%
$100,000-$249,999.99 0.90% 0.90%
$250,000-$499,999.99 1.21% 1.21%
$500,000-$999,999.99 1.31% 1.31%
$1,000,000 and OVER 1.51% 1.51%
Interest Rate Tiers
$0.01-$2,499.99
$2,500 - $99,999.99
$100,000-$249,999.99
$250,000-$499,999.99
$500,000-$999,999.99
$1,000,000 and OVER
APY
$0.01-$2,499.99
0.60%
$2,500 - $99,999.99
0.80%
$100,000-$249,999.99
0.90%
$250,000-$499,999.99
1.21%
$500,000-$999,999.99
1.31%
$1,000,000 and OVER
1.51%
Interest Rate
$0.01-$2,499.99
0.60%
$2,500 - $99,999.99
0.80%
$100,000-$249,999.99
0.90%
$250,000-$499,999.99
1.21%
$500,000-$999,999.99
1.31%
$1,000,000 and OVER
1.51%

*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 Central and Northeast Iowa bank dedicated to local customers and communities since 1902.