Savings plans designed to help you actually save

Take advantage of our generous APY and watch your money grow.

• LNB Debit/ATM card for 24/7 withdrawals
• $10 minimum opening deposit
• Track your savings with paper statements or e-statements
• $200 minimum balance
• No monthly maintenance fee with a $200 minimum daily balance
• Up to six free electronic debits per month
• Unlimited branch or ATM withdrawals
• Interest accrues daily and is paid monthly
• FDIC insured

Rate Information – The interest rate and annual percentage yield are included in the Rate Sheet. Your interest rate and annual percentage yield may change. Frequency of rate changes – We may change the interest rate on your account at any time. Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $10.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations: Transfers from a Classic Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Designed for customers with larger sums of money who want some big-time yields.

• $25,000 minimum opening deposit
• Earn interest on balances of $25,000 or more
• Interest accrues daily, and is paid monthly
• No monthly maintenance fee with $25,000 minimum daily balance
• Six free electronic debits per month
• Unlimited branch and ATM withdrawals
• ATM or VISA® Debit card access when available
• FDIC insured

Rate Information – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $25,000.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $25,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Transfers from a Premium Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Fees: An excess debit fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

The higher your balance, the higher your interest rate.

• $2,500 minimum opening deposit
• Earn interest on balances of $2,500 or more
• Interest accrues daily, and is paid monthly
• No monthly maintenance fee with $2,500 minimum daily balance
• Six free electronic debits per month
• Unlimited branch and ATM withdrawals
• ATM or VISA® Debit card access when available
• FDIC insured

Rate Information – Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $2,500.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Transfers from a Basic Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Fees: An excess debit fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle. A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.

Set extra money aside in a Club Account to put towards something special like the holidays or a trip.

• $1.00 minimum opening deposit
• Earns interest on balances of $100 or more
• Interest accrues daily and is paid annually
• At the end of the club period, funds are deposited to your LNB checking or savings account
• FDIC insured

Christmas Club Account Disclosure: Rate Information – We may change the interest rate on your account at any time. Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account annually. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $1.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may not make withdrawals from your account until the maturity date. You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties. Club distribution – At the end of the club account period, the funds in the account will be deposited to a designated account.

Vacation Club Account Disclosure: Rate Information – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account annually. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $1.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: You may not make withdrawals from your account until the maturity date. You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties. Club distribution – At the end of the club account period, the funds in the account will be deposited to a designated account.

A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.