Current Rates


Certificates of Deposit

TermMinimum DepositInterest RateAPY**
3 Months$2,500.000.500.50
5 Months$500.000.500.50
6 Months (<$10M)$2,500.000.500.50
6 Months ($10M or >)$10,000.000.500.50
7 Months$500.000.500.50
9 Months$500.000.500.50
11 Months$500.000.500.50
12 Months$500.000.750.75
15 Months$500.000.750.75
18 Months$500.000.750.75
18 Months (TDOA - Var)$500.000.750.75
24 Months$500.001.001.00
30 Months$500.001.101.10
36 Months$500.001.501.51
42 Months$500.001.101.10
48 Months $500.001.101.10
60 Months (<$10M)$500.001.501.51
60 Months ($10M and >)$10,000.001.501.51
84 Months$500.001.501.51
1 Year Relationship^$500.001.251.25
2 Years Relationship^$500.001.251.25
3 Years Relationship^$500.001.751.76
4 Years Relationship^$500.001.101.10
42 Months Relationship ^$500.001.101.10
50 Months Relationship^$500.001.751.76
5 Years Relationship^$500.001.101.10
7 Years Relationship^$500.001.601.61

*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  September 19, 2019 and are subject to change without notice.

Current CD Specials

ProductMinimum DepositInterest RateAPY**
1 YEAR RELATIONSHIP+$500.001.251.25
36 MONTH RELATIONSHIP+$500.001.751.76

*A penalty may be imposed for early withdrawal.

**APY – Annual Percentage Yield

+Contact bank for details

Rates are effective as of September 19, 2019  and are subject to change without notice.

Deposit Accounts

ProductMinimum DepositInterest RateAPY*
Savings$100.000.250.25
ESavings#100.000.600.60
Christmas Club**$1.000.500.50
Vacation Club**$1.000.500.50
Now$1,000.000.05 0.05
Super Now$2,500.000.100.10
Super Now$25,000.000.100.10
Money Market$2,500.000.050.05
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 June 27, 2019 and are subject to change without notice.

Second Mortgage Loans/Home Equity Line of Credit*

ProductStructureTermAnnual Percentage Rate**
Second MortgageFixed3 Years6.310
Second MortgageFixed5 Years6.986
Second MortgageFixed8 Years7.991
Second MortgageFixed10 Years8.996
HELOC***Adjustable10 yr draw, 10 yr repay 5.5***

*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, credit score and loan to value.

** APR based of $20,000 loan amount and term shown.

***HELOC rate example assumes A+ credit.  Floor will not fall below 4.99%.  Assumes 70% loan to value.

Rates are effective as of January 4, 2019 and are subject to change without notice.

Consumer Loans*

ProductStructureTerm (others available)Annual Percentage Rate**
Year of Auto
Automobile2018 - New36 Months or Less6.167
Automobile2017-201636 Months or Less6.422
Automobile2015-201336 Months or Less7.177
Automobile2012 - 200824 Months or Less8.504
Automobile2007 - Older24 Months or Less9.510
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

*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.

** APR is based off of a $20,000 loan amount and term shown.  Other terms are available based on qualification.

Rates are effective as of January 4, 2019 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.