Personal Banking
Savings Products

Certificates of Deposit

A Certificate of Deposit (CD) is a deposit account in which you invest a fixed sum of money at a fixed interest rate for a fixed term. These deposits have a variety of terms and flexible interest payment options depending on the account’s term. After the account is opened, you may not make additional deposits into, or withdrawals from the account until the maturity date.

All LSB Certificates of Deposit offer competitive rates of interest and are insured up to the FDIC maximum amount per depositor.

Certificate Short-Term Options
31, 91, or 182 day terms are available
 Minimum Balance $1000

Certificate Long-Term Options
12, 18, 24, 30, 36 and 60 month terms are available
Minimum Balance $1000

Account features include:

  • FREE! Access to Internet banking when you maintain an Internet Access LSB Checking Account.
  • All LSB Certificates of Deposit are locked into a competitive rate of interest that is guaranteed for the length of the CD term.
  • CDs pay interest either quarterly or at the end of the CD term by your choice of interest check or transfer to any LSB checking or savings account.
  • The interest may also be redeposited back to the certificate; increasing the face value of your CD and the amount of interest you will earn throughout the term.