Savings plans designed to help you actually save

You work hard for your money—we understand that. Which is why, in turn, we'll work hard to help you reach your long-term financial goals. We have a variety of savings plans to choose from based on your goals and timeframe. So, what are you saving for? Let’s go for it.


Personal Savings Offerings

Click on any of the service offerings below to view more information.

  • Free Rewards Savings AccountDo you want to earn high interest?

    Grow your savings balance with this high-interest account.

    • Earn up to .60% APY* on balances up to $15,000
    • Free nationwide ATMs**
    • No minimum balance to earn or save

    Maximize your earnings - This savings account is paired with LNB Free Rewards Saver Checking account.

    *Minimum to open account is $25 for Free Rewards Saver Checking Account. Annual Percentage Yield (APY) accurate as of 1/12/2016. Rate tiers are as follows: 2.01% applies to balances of $0.01-$15,000 and 0.10% applies to the portion of balances over $15,000 if qualifications are met during monthly qualification cycle. 0.01% applies to all balances if qualifications are not met. Monthly qualifications include having at least 12 debit card purchases, have at least one direct deposit or automatic payment, and receive e-statements. All balances will earn 2.01% APY-0.10% APY if qualifications are met. Qualifying transactions must post and clear Free Rewards Checking during monthly qualification cycle. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. **ATM Fee refunds (Free Rewards Saver Checking account only) up to $15 provided only if qualifications are met within monthly qualification cycle. **.060% APY Savings account - balances of $0.01 - $15,000.00, the Interest Rate is 0.59821% and the Annual Percentage Yield (APY) is 0.60%. On balances over $15,000 the Interest Rate is 0.19980% with an APY of 0.20% and the non-qualifying rate and APY is 0.01%.. Annual Percentage Yields are accurate as of 1/12/2016 and subject to change without notice. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Fees could reduce earnings. Limit one Free Rewards Savings account per social security number.


  • Statement Savings AccountWant to manage your savings with ease?

    Take advantage of our generous APY and watch your money grow.

    • LNB Debit/ATM card for 24/7 withdrawals
    • $10 minimum opening deposit
    • Track your savings with paper statements or e-statements
    • $100 minimum balance
    • No monthly maintenance fee with a $100 minimum daily balance
    • Up to 6 free electronic debits per month
    • Unlimited branch or ATM withdrawals
    • Interest accrues daily and is paid monthly

    Rate Information - The interest rate and annual percentage yield are included in the Rate Sheet. Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $10.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

    Transaction limitations: Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.


  • Premium Money Market AccountLooking to maximize your yields?

    Designed for customers with larger sums of money who want some big-time yields.

    • $25,000 minimum opening depoist
    • Earn interest on balances of $25,000 or more
    • Interest accrues daily, and is paid monthly
    • No monthly maintenance fee with $25,000 minimum daily balance
    • 6 free electronic debits per month
    • Unlimited branch and ATM withdrawals
    • ATM or Visa Debit card access when available
    • FDIC insured

    Rate Information - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $25,000.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $25,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Transfers from a Premium Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Fees: An excess debit fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.


  • Basic Money Market AccountDo you want to grow your money faster?

    The higher your balance, the higher your interest rate.

    • $1,000 minimum opening deposit
    • Earn interest on balances of $1,000 or more
    • Interest accrues daily, and is paid monthly
    • No monthly maintenance fee with $1,000 minimum daily balance
    • 6 free electronic debits per month
    • Unlimited branch and ATM withdrawals
    • ATM or Visa Debit card access when available
    • FDIC insured

    Rate Information - Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A maintenance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Transfers from a Basic Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Fees: An excess debit fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.


  • Certificate of DepositDo you want to invest and forget?

    Meet your savings goals and get a guaranteed return on your investment.

    • 3-month to 60-month terms
    • $500 minimum opening deposit
    • FDIC insured up to $250,000 per depositor
    • Fixed interest rate for entire term
    • Interest accrues daily and is paid monthly
    • Interest may be withdrawn after it is credited to the account
    • Automatically renews at the rate currently in effect for the renewal term

    To inquire, visit your local branch or contact us today!

  • Club AccountNeed a fund for fun?

    Set extra money aside in a Club Account to put towards something special like the holidays or a trip.

    • $1.00 minimum opening deposit
    • Earns interest on balances of $100 or more
    • Interest accrues daily and is paid annually
    • At the end of the club period, funds are deposited to your LNB checking or savings account

    Christmas Club Account Disclosure: Rate Information - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account annually. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may not make withdrawals from your account until the maturity date. You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties. Club distribution - At the end of the club account period, the funds in the account will be deposited to a designated account.

    Vacation Club Account Disclosure: Rate Information - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account annually. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may not make withdrawals from your account until the maturity date. You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties. Club distribution - At the end of the club account period, the funds in the account will be deposited to a designated account.


  • Lyons Cub AccountWant your kids to learn about money?

    Teach your kids about money management and start them saving today.

    • For kids 18 years of age or younger
    • $0.01 minimum opening deposit
    • Earns interest on all balances
    • No monthly maintenance fee
    • Interest accrues daily and is paid monthly
    • Eligible for ExpressLine and online banking
    • 6 free electronic debits per month
    • Unlimited in-branch withdrawals

    Lyons Cub Account Disclosure: Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account annually. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $0.01 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties.

    To inquire, visit your local branch or contact us today!

  • IRAsFlexible & Future Focused

    An IRA is a smart, convenient way to add even more to your retirement nest egg. We offer competitive rates on a variety of CDs and IRAs – stop in today and we’ll walk you through your options and set up your account.

    Variable IRA

    • High contribution limits
    • $100 minimum opening deposit
    • Variable interest rates
    • Interest is compounded daily and paid quarterly
    • Deposit or withdraw funds at any time

    IRA/CD

    • Choose from a variety of flexible terms based on your objectives
    • $500 minimum opening deposit and balance required to obtain the APY
    • Interest in compounded daily and paid monthly

    To inquire, visit your local branch or contact us today!

  • HSA AccountingDo you want to save and grow healthcare funds?

    Pay for current health expenses and save for future qualified medical expenses and retiree health expenses, all on a tax-free basis.

    • Tiered interest is accrued daily and paid monthly
    • Tiered interest earnings for bigger savings
    • No monthly maintenance fee or minimum balance requirement
    • No per-debit fees
    • Access your funds in branch, by check, or as an ATM/POS transaction

    Account Features:

    • Direct Deposit
    • Free Online Banking
    • Free Bill Payer
    • Free Visa Debit/ATM Card
    • LNB Express Line
    • Falcon Fraud Manager

    Rate Information – You will be paid interest based on tiers. See New Account Rate Sheet under Health Savings Account Product: Minimum balance to open the account – No minimum deposit is required to open this account. This Account is an interest bearing account. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at the Bank’s discretion at any time. Compounding frequency - Interest will be compounded daily and will be credited to your account every month. Effect of closing an account – if you close your account before interest is credited you will not receive the accrued interest. Minimum balance to obtain the annual percentage yield disclosed – A minimum balance of $1.00 must be maintained in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – we use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Account Fees: There is no monthly maintenance fee on this account. Funds Access: You may withdraw funds from this account in person at any LNB branch location, by check, ACH Debit, ATM or Point of Sale Debit Transactions or other electronic means.


Contact your local branch below—or stop in and we can review your banking options with you in person.


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