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Certificate of Deposit

If you're looking for a medium-term investment commitment to reap the benefits of higher interest rates (vs. traditional savings/checking account), we've got a plan to suit your needs!


Interest Rates

updated April 16, 2014

3 Month Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.050% 0.050%
$25,000 to $49,999.99 0.100% 0.100%
$50,000 to $99,999.99 0.150% 0.150%
$100,000 and above 0.200% 0.200%

6 Month Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.150% 0.150%
$25,000 to $49,999.99 0.200% 0.200%
$50,000 to $99,999.99 0.200% 0.200%
$100,000 and above 0.250% 0.250%

12 Month Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.150% 0.150%
$25,000 to $49,999.99 0.200% 0.200%
$50,000 to $99,999.99 0.250% 0.250%
$100,000 and above 0.300% 0.300%

18 Month Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.250% 0.250%
$25,000 to $49,999.99 0.300% 0.300%
$50,000 to $99,999.99 0.350% 0.350%
$100,000 and above 0.400% 0.400%

24 Month Step Up & Add - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.350% 0.350%
$25,000 to $49,999.99 0.400% 0.400%
$50,000 to $99,999.99 0.450% 0.450%
$100,000 and above 0.500% 0.500%

30 Month Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.500% 0.500%
$25,000 to $49,999.99 0.550% 0.550%
$50,000 to $99,999.99 0.600% 0.600%
$100,000 and above 0.650% 0.650%
42 Month Step Up - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 0.850% 0.850%
$25,000 to $49,999.99 0.900% 0.900%
$50,000 to $99,999.99 0.950% 0.950%
$100,000 and above 1.000% 1.000%

48 Month Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 1.100% 1.100%
$25,000 to $49,999.99 1.150% 1.150%
$50,000 to $99,999.99 1.200% 1.200%
$100,000 and above 1.250% 1.250%

5 Year Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 1.450% 1.460%
$25,000 to $49,999.99 1.500% 1.510%
$50,000 to $99,999.99 1.550% 1.560%
$100,000 and above 1.600% 1.610%

6 Year Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 1.800% 1.810%
$25,000 to $49,999.99 1.850% 1.860%
$50,000 to $99,999.99 1.900% 1.910%
$100,000 and above 1.950% 1.960%

7 Year Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 2.000% 2.010%
$25,000 to $49,999.99 2.050% 2.060%
$50,000 to $99,999.99 2.100% 2.110%
$100,000 and above 2.150% 2.160%

8 Year Certificate - $1,000 Minimum
Deposit Amount Interest Rate APY
$1,000 to $24,999.99 2.150% 2.160%
$25,000 to $49,999.99 2.200% 2.210%
$50,000 to $99,999.99 2.250% 2.260%
$100,000 and above 2.300% 2.310%

*You must maintain the minimum daily balance to obtain the disclosed APY (Annual Percentage Yield). Luana Savings Bank reserves the right to change interest rates and terms without notice. You may incur a penalty for early withdrawal and fees may reduce earnings.
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