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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.

 

Classic Savings Account

Want 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
  • $200 minimum balance
  • No monthly maintenance fee with a $200 minimum daily balance
  • Up to six free electronic debits per month
  • Unlimited branch or ATM withdrawals
  • Interest accrues daily and is paid monthly
  • FDIC insured

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 per month if the balance in the account falls below $200.00 any day of the month. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $200.00 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 Classic 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. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Premium Money Market Account

Looking to maximize your yields?

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

  • $25,000 minimum opening deposit
  • 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
  • Six 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. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Basic Money Market Account

Do you want to grow your money faster?

The higher your balance, the higher your interest rate.

  • $2,500 minimum opening deposit
  • Earn interest on balances of $2,500 or more
  • Interest accrues daily, and is paid monthly
  • No monthly maintenance fee with $2,500 minimum daily balance
  • Six 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 $2,500.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500.00 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. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Certificate of Deposit

Do 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
  • 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
  • FDIC insured

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

A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

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
  • FDIC insured

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 Account

Teach your kids the importance of savings

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
  • FDIC insured

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!

Individual Retirement Account

Flexible & 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
  • FDIC insured

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!

A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

HSA Account

Wisely save for future healthcare needs.

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
  • FDIC insured

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.A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Take your bank with you

Mobile Banking with LNB

LNB Mobile Banking is a fast, easy way to bank when you want, where you want.