Current Rates


Certificates of Deposit

TermMinimum DepositInterest RateAPY**
3 Months$2,500.000.100.10
5 Months$500.000.100.10
6 Months (<$10M)$2,500.000.250.25
6 Months ($10M or >)$10,000.000.250.25
7 Months$500.000.500.50
9 Months$500.000.250.25
11 Months$500.000.250.25
12 Months$500.000.250.25
15 Months$500.000.500.50
18 Months$500.000.250.25
18 Months (TDOA - Var)$500.000.250.25
24 Months$500.000.500.50
30 Months$500.000.500.50
36 Months$500.000.750.75
42 Months$500.000.500.50
48 Months $500.000.500.50
60 Months (<$10M)$500.000.750.75
60 Months ($10M and >)$10,000.000.750.75
84 Months$500.001.001.00
1 Year Relationship^$500.000.350.35
2 Years Relationship^$500.000.600.60
3 Years Relationship^$500.000.850.85
4 Years Relationship^$500.000.600.60
42 Months Relationship ^$500.000.600.60
50 Months Relationship^$500.001.001.00
5 Years Relationship^$500.001.001.00
7 Years Relationship^$500.001.251.25

*A penalty may be imposed for early withdrawal.

**APY – Annual Percentage Yield

^Contact bank for details.

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

Rates are effective as of  March 29, 2020 and are subject to change without notice.

Current CD Specials

ProductMinimum DepositInterest RateAPY**
50 MONTH RELATIONSHIP+$500.001.001.00

*A penalty may be imposed for early withdrawal.

**APY – Annual Percentage Yield

+Contact bank for details

Rates are effective as of May 29, 2020 and are subject to change without notice.

Deposit Accounts

ProductMinimum DepositInterest RateAPY*
Savings$100.000.150.15
ESavings#100.000.300.30
Christmas Club**$1.000.250.25
Vacation Club**$1.000.250.25
Now$1,000.000.05 0.05
Super Now$2,500.000.050.05
Super Now$25,000.000.100.10
Super Money Market$25,000.000.050.05
Super Money Market$50,000.000.100.10
Super Money Market$100,000.000.150.15
Bravo Checking$2,500.000.050.05
Bravo Checking$10,000.000.100.10
Bravo Checking$25,000.000.150.15
Smart Cents^25.003.00^3.04^

Fees could reduce earnings on the account.

*APY – Annual Percentage Yield

# Tier 1 $0.00 to $15,000.00  Rate 0.60% APY 0.60%

# Tier 2 $15,000.00 and above  Rate 0.25%  APY 0.25%

** .01% if no other deposit account at LNB Community Bank

^Tier 1 $0.00 to $5,000.00  Rate 3.00%   APY 3.04%

^Tier 2 $5,000.01 to $15,000.00  Rate 3.00% APY 3.04%

^No interest will be paid on balances higher that $15,000.01.

Rates are effective as of May 29, 2020 and are subject to change without notice.

Second Mortgage Loans/Home Equity Line of Credit*

ProductStructureMaximum TermRate as low asAPR as low as**
Second MortgageFixed3 Years2.875%3.436%
Second MortgageFixed5 Years3.375%3.720%
Second MortgageFixed10 Years3.875%4.056%
Second MortgageFixed15 Years4.375%4.502%
HELOC***Adjustable10 yr draw, 10 yr repay 4.99%4.99%***

* Rates shown for top qualifying credit, 80% CLTV, owner occupancy second mortgages.  Loans are subject to credit approval, credit score and LTV. Closing costs apply.  A sample principal and interest payment on a 180 month $50,000 fixed rate loan amount with a 4.375% interest rate (4.502% APR), closing costs and 80% CLTV is $379.31.  Actual interest rate may vary based on credit history, LTV and loan type.

** APR is based off of guidelines shown above, a $50,000 loan amount, the rate shown, highest term shown and closing costs.

***HELOC rate assumes A+ credit.  Floor will not fall below 4.99%.  Maximum APR 18.00%.  Assumes 70% loan to value.  Estimated loan fees between $98.00 – $493.00.

Other terms are available based on qualification.

Rates are effective as of July 20, 2020 and are subject to change without notice.

 

Consumer Loans*

ProductYear of AutoMaximum TermRate as low as**APR as low as
Automobile2018 - NewUp to 60 Months3.50%3.904%
Automobile2018 - NewUp to 72 Months4.10%4.442%
Automobile2017 - 2016Up to 60 Months4.00%4.407%
Automobile2017 - 2016Up to 66 Months4.30%4.642%
Automobile2015Up to 60 Months4.20%4.606%
Automobile2014Up to 60 Months4.40%4.807%
Automobile2013Up to 48 Months4.50%5.003%
Automobile2012 and olderUp to 42 Months5.25%5.823%
LNB Savings Instrument Secured$2,500.00 or LessMatures with CDCD Rate + 4% 6% Min
LNB Savings Instrument Secured$2,500.00 - $7,499.00Matures with CDCD Rate + 2% 5% Min
LNB Savings Instrument Secured$7,500.00 - $19,999.00Matures with CDCD Rate + 2% 4% Min
LNB Savings Instrument Secured$20,000.00 or MoreMatures with CDCD Rate + 2% 3% Min

* Rates shown for top qualifying credit, 80% LTV and LNB auto pay. Loans are subject to credit approval, credit score and LTV. Closing costs may apply. A sample principal and interest payment on a 72 month $20,000 fixed rate loan amount with a 4.10% interest rate (4.442% APR), loan administration fee and 20% down is $313.79. Actual interest rate may vary based on credit history, LTV, loan type and auto pay.

**APR is based off of guidelines shown above, a $20,000 loan amount, the rate shown, highest term shown and closing costs.

Other terms are available based on qualification.

Rates are effective as of July 20, 2020 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.