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Real Estate Loan Rates & Services


Current CD Specials*
Product
Minimum Deposit
Interest Rate
APY**
42 MONTH
$500.00
1.00
1.00
*A penalty may be imposed for early withdrawal.

**APY Annual Percentage Yield

Rates are effective as of April 22, 2014 and are subject to change without notice.


Current Loan Specials
Product
Structure
Term
APR*
Home Equity Loan
70% LTV and Less
Up to 60 Months
6.75
*Rates are for owner occupied second mortgages. Assumes 70% loan to value or less and minimum balance of $50,000. Other rates and terms are available. Normal closing costs apply. Subject to credit approval.

Rates are effective as of April 22, 2014 and are subject to change without notice.


Deposit Accounts
Product
Minimum Deposit
Interest Rate
APY*
Savings
$100.00
0.10
0.10
Christmas Club**
$1.00
0.25
0.25
Vacation Club**
$1.00
0.25
0.25
Now
$1,000.00
0.05
0.05
Super Now
$2,500.00
0.10
0.10
Super Now
$25,000.00
0.10
0.10
Money Market
$2,500.00
0.05
0.05
Super Money Market
$25,000.00
0.05
0.05
Super Money Market
$50,000.00
0.10
0.10
Super Money Market
$100,000.00
0.15
0.15
Bravo Checking
$2,500.00
0.05
0.05
Bravo Checking
$10,000.00
0.10
0.10
Bravo Checking
$25,000.00
0.15
0.15
Fees could reduce earnings on the account.

*APY Annual Percentage Yield

** .01% if no other deposit account at Lynnville National Bank

Rates are effective as of April 22, 2014 and are subject to change without notice.


Certificates of Deposit*
Term
Minimum Deposit
Interest Rate
APY**
3 Months
$2,500.00
0.05
0.05
5 Months
$500.00
0.05
0.05
6 Months (<$10M)
$2,500.00
0.05
0.05
6 Months ($10M or >)
$10,000.00
0.05
0.05
7 Months
$500.00
0.05
0.05
9 Months
$500.00
0.05
0.05
11 Months
$500.00
0.05
0.05
12 Months
$500.00
0.10
0.10
15 Months
$500.00
0.10
0.10
18 Months
$500.00
0.15
0.15
18 Months (TDOA - Var)
$100.00
0.15
0.15
24 Months
$500.00
0.20
0.20
30 Months
$500.00
0.30
0.30
36 Months
$500.00
0.40
0.40
42 Months
$500.00
0.50
0.50
48 Months
$500.00
0.50
0.50
60 Months (< $10M)
$500.00
0.90
0.90
60 Months ($10M and>)
$10,000.00
0.90
0.90
84 Months
$500.00
1.00
1.00
*A penalty may be imposed for early withdrawal.

**APY Annual Percentage Yield

IRA Certificates are available at the same rate and terms as Certificates of Deposit.

Rates are effective as of April 22, 2014 and are subject to change without notice.


Home Equity / Second Mortgage Loans
Product
Structure
Term
Annual Percentage Rate*
Home Equity Loans
Fixed
1-3 Years
4.00
Home Equity Loans
Fixed
4-5 Years
5.00
Home Equity Loans
Fixed
6-7 Years
7.00
Home Equity Loans
Fixed
8-10 Years
9.00
HELOC**
Adjustable
Prime-Floating
*Rates are for owner occupied second mortgages. Assumes 80% loan to value or less. Other rates and terms are available. Normal closing costs apply. Subject to credit approval.

**HELOC rate will not fall below 4.99%

Rates are effective as of April 22, 2014 and are subject to change without notice.


Consumer Loans*
Product
Structure
Term
Annual Percentage Rate*
-
Year of Auto
-
-
Automobile
2011-2012
36 Months or Less
4.00
Automobile
2008-2010
36 Months or Less
4.25
Automobile
2005-2007
36 Months or Less
5.00
Automobile
2004 or older
24 Months or Less
6.00
LNB Savings Instrument Secured
$2,500.00 or Less
Matures with CD
CD Rate + 4%
6% Min
LNB Savings Instrument Secured
$2,500.00 - $7,499.00
Matures with CD
CD Rate + 2%
5% Min
LNB Savings Instrument Secured
$7,500.00 - 19,999.00
Matures with CD
CD Rate + 2%
4% Min
LNB Savings Instrument Secured
$20,000.00 or More
Matures with CD
CD Rate + 2%
3% Min
Personal Secured**
Fixed
< 36 Months
6.25
Personal Secured**
Fixed
42 to 60 Months
6.75
Personal Secured**
Fixed
66 to 120 Months
7.75
Personal Secured**
Fixed
> 120 Months
8.75
*Other rates and terms are available. Down payment may be required reducing loan to value to 80% or less. Normal closing costs apply. Subject to credit approval, Credit Score and loan to value.

**Rates are also subject to the age of the collateral

Rates are effective as of April 22, 2014 and are subject to change without notice.


Commercial Loans
-
Please contact Jody Yager, Commercial Lender at
(812) 922-3231 to discuss our competitive rates on your commercial needs.


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