Rates

Mortgage Rates

 

LCSB Deposit Rates


Rates Effective As Of: 11/14/2024

Checking

Account Type Minimum Amount to Open Range of Balances / Term Interest Rate APY %*
Preferred Plus $100 N/A 0.20% 0.20%
Business Plus $100 N/A 0.20% 0.20%
Golden Value $1,000 N/A 0.20% 0.20%

Savings

Account Type Minimum Amount to Open Range of Balances / Term Interest Rate APY %*
Savings $100 N/A 0.30% 0.30%
Money Market $100 $0.01 - $9,999 0.20% 0.20%
Money Market $100 $10,000 - $24,999 0.30% 0.30%
Money Market $100 $25,000 - $99,999 0.40% 0.40%
Money Market $100 $100,000 & Over 0.50% 0.50%

CDARs

 Minimum Amount to Open Range of Balances / Term Interest Rate APY %*
$50,000.00 13 Weeks (3 mos) 4.08%
4.16%
$50,000.00 26 Weeks (6 mos) 4.01% 4.09%
$50,000.00 52 Weeks (1 yr) 3.91% 3.99%
$50,000.00 104 Weeks (2 yr) 3.87% 3.95%
$50,000.00 156 Weeks (3 yr) 3.74% 3.81%

CDs

Range of Balances / Term Interest Rate APY %*
07 - 29 days 1.00% 1.00%
30 - 59 days 1.00% 1.00%
60 - 89 days 1.00% 1.00%
90 - 119 days 1.00% 1.00%
120 - 149 days 1.00% 1.00%
150 - 179 days 1.00% 1.00%
180 - 364 days 1.50% 1.51%
12 - 17 mo 3.00% 3.04%
18 - 23 mo 2.00% 2.02%
24 - 29 mo 2.00% 2.02%
30 - 35 mo 2.00% 2.02%
36 - 47 mo 2.50% 2.53%
48 - 59 mo 2.50% 2.53%
60 mos and over  3.50% 3.56%

IRAs

Range of Balances / Term Interest Rate APY %*
6 mo - 364 days 1.50% 1.51%
12 mo - 23 mo 3.00% 3.03%
24 mo - 35 mo 2.00% 2.02%
36 mo - 47 mo 2.50% 2.52%
48 mo - 59 mo 2.50% 2.52%
60 mos and over 3.50% 3.55%


*APY Disclosures:

Checking/Savings Annual percentage yield (APY) These are variable rate accounts. The interest rate and annual percentage yield may change after account opening. No minimum balance is required to obtain the APY. Fees could reduce earnings on the account. Interest accrues on all collected balances. Interest is paid on the entire balance. These rates may change at any time without prior notice.

CD Annual percentage yield (APY)After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Minimum opening deposit $1,000.00. No minimum balance is required to obtain the APY.

CDARs Annual percentage yield (APY) Interest compounds daily paid at maturity, except terms greater than one year. Minimum $50,000. Substantial penalty imposed for early withdrawals. An LCSB relationship checking account required. Rates subject to change. Public funds not eligible. Additional restrictions may apply. Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement describing the placement of funds by us with other FDIC insured institutions in amounts under $250,000. CDARS is a registered service mark, One Bank. One Rate. One Statement is a service mark of Promontory Interfinancial Network, LLC. Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agree¬ments, including the Deposit Placement Agreement (“DPA”). Al¬though funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship in¬stitution that places the funds may exceed the SMDIA (e.g., be¬fore settlement for a deposit or after settlement for a withdrawal). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determin¬ing whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits is a service mark, and IntraFi, and CDARS are registered service marks, of IntraFi Network LLC.

IRA Annual percentage yield (APY) These rates may change at any time without prior notice. After your IRA is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. If you are under age 59 and receive an IRA distribution, additional penalties may apply. For additional IRA disclosures refer to the bank for the Individual Retirement Custodial Account Agreement. $100 Minimum Deposit (Compound Monthly) $100 Minimum Balance to Obtain the Annual percentage yield (APY)