Certificates of Deposit Last Updated: December 20, 2022
| Term | Minimum Deposit | Interest Rate | APY** |
|---|---|---|---|
| 3 Months | $2,500.00 | 0.10 | 0.10 |
| 5 Months | $500.00 | 0.25 | 0.25 |
| 6 Months (<$10M) | $2,500.00 | 0.25 | 0.25 |
| 6 Months ($10M or >) | $10,000.00 | 0.25 | 0.25 |
| 7 Months | $500.00 | 0.40 | 0.40 |
| 9 Months | $500.00 | 2.75 | 2.76 |
| 11 Months | $500.00 | 0.50 | 0.50 |
| 12 Months | $500.00 | 0.50 | 0.50 |
| 15 Months ^ | $500.00 | 0.75 | 0.75 |
| 18 Months | $500.00 | 0.75 | 0.75 |
| 18 Months (TDOA - Var) | $500.00 | 0.25 | 0.25 |
| 24 Months | $500.00 | 1.10 | 1.10 |
| 30 Months | $500.00 | 1.15 | 1.15 |
| 36 Months | $500.00 | 1.25 | 1.25 |
| 42 Months | $500.00 | 1.50 | 1.51 |
| 48 Months | $500.00 | 1.75 | 1.76 |
| 60 Months (<$10M) | $500.00 | 2.00 | 2.01 |
| 60 Months ($10M and >) | $10,000.00 | 2.10 | 2.11 |
| 84 Months | $500.00 | 2.50 | 2.52 |
| 1 Year Relationship | $500.00 | 0.75 | 0.75 |
| 2 Years Relationship | $500.00 | 1.25 | 1.25 |
| 3 Years Relationship | $500.00 | 1.50 | 1.51 |
| 4 Years Relationship | $500.00 | 2.00 | 2.01 |
| 42 Months Relationship | $500.00 | 2.00 | 2.01 |
| 50 Months Relationship | $500.00 | 2.00 | 2.01 |
| 5 Years Relationship | $500.00 | 2.25 | 2.26 |
| 7 Years Relationship^ | $500.00 | 2.75 | 2.77 |
*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 subject to change without notice.
Current CD Specials Last Updated: December 20, 2022
| Product | Minimum Deposit | Interest Rate | APY** |
|---|---|---|---|
| 9 MONTH | $500.00 | 2.75 | 2.76 |
*A penalty may be imposed for early withdrawal.
**APY – Annual Percentage Yield
+Contact bank for details
# 1 Year Penalty
^ 2 Year Penalty
Rates are subject to change without notice.
Deposit Accounts Last Updated: September 7, 2022
| Product | Minimum Deposit | Interest Rate | APY* |
|---|---|---|---|
| Savings | $100.00 | 0.05 | 0.05 |
| ESavings# | 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 | 0.02 | 0.02 |
| Super Now | $2,500.00 | 0.04 | 0.04 |
| Super Now | $25,000.00 | 0.10 | 0.10 |
| 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 | 0.08 | 0.08 |
| Bravo Checking | $25,000.00 | 0.10 | 0.10 |
| Smart Cents^ | $25.00 | 4.00^ | 4.07^ |
Fees could reduce earnings on the account.
*APY – Annual Percentage Yield
# Tier 1 $0.00 to $15,000.00 Rate 0.05% APY 0.05%
# Tier 2 $15,000.00 and above Rate 0.02% APY 0.02%
** .01% if no other deposit account at LNB Community Bank
^Tier 1 $0.00 to $5,000.00 Rate 4.00% APY 4.07%
^Tier 2 $5,000.01 to $15,000.00 Rate 4.00% APY 4.07%
^No interest will be paid on balances higher than $15,000.00.
Rates are subject to change without notice.
Second Mortgage Loans/Home Equity Line of Credit* Last Updated: March 28, 2023
| Product | Structure | Maximum Term | Rate as low as | APR as low as** |
|---|---|---|---|---|
| Second Mortgage | Fixed | 5 Years | 6.25% | 6.611% |
| Second Mortgage | Fixed | 10 Years | 7.00% | 7.195% |
| Second Mortgage | Fixed | 15 Years | 7.5% | 7.642% |
| HELOC*** | Adjustable | 10 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 7.125% interest rate (7.265% APR), closing costs and 80% CLTV is $452.92. 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 $105.00 – $881.20.
Other terms are available based on qualification.
Rates are subject to change without notice.
Consumer Loans* Last Updated: March 27, 2023
| Product | Year of Auto | Maximum Term | Rate as low as | **APR as low as |
|---|---|---|---|---|
| Automobile | 2021 - New | Up to 60 Months | 6.2% | 6.613% |
| Automobile | 2021 - New | Up to 72 Months | 6.8% | 7.150% |
| Automobile | 2020 | Up to 60 Months | 6.7% | 7.114% |
| Automobile | 2020 | Up to 66 Months | 7.1% | 7.480% |
| Automobile | 2019 | Up to 60 Months | 7.00% | 7.416% |
| Automobile | 2019 | Up to 66 Months | 7.2% | 7.581% |
| Automobile | 2018 | Up to 60 Months | 7.2% | 7.616% |
| Automobile | 2017 | Up to 60 Months | 7.4% | 7.817% |
| Automobile | 2016 and Older | Up to 42 Months | 9.5% | 10.085% |
| 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 |
* Rates shown for top qualifying credit and 80% LTV. 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 6.80% interest rate (7.150% APR), loan administration fee and 20% down is $339.02. 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 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.