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Certificate of Deposit

Our CDs are a safe way to invest your money without the risk of losing principal. You’ll earn a higher interest rate than traditional savings accounts and all of our CDs are FDIC insured. Invest for as short as 91 days or as long as 60 months!
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Certificate of Deposit

Scroll table to the left to see more data.
Minimum Deposit Required Early Withdrawal Penalty Interest Rate APY**
91 Day $1,000 1 Month Interest 3.00 3.00
182 Day $1,000 1 Month Interest 3.10 3.10
12 Month $1,000 2 Month's Interest 3.50 3.5462
24 Month $1,000 3 Month's Interest 3.40 3.4436
36 Month $1,000 4 Month's Interest 3.45 3.4949
60 Month $1,000 6 Month's Interest 3.50 3.5462
60 Month One Time Step-Up*** $1,000 6 Month's Interest 3.25 3.2898

**Annual Percentage Yield.
***This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
Interest rates and APYs are accurate as of November 15, 2023.

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Come Celebrate the Merger!

Join us on Wednesday, July 17th from 3-6 pm at our Benson location! We’ll have food, fun giveaways, and free document shredding for customers.

Welcome to the Lake Central Bank Family.

We are thrilled to add Benson as our latest branch location to Lake Central. Welcome to the family, where you will find an expanded range of banking services designed to meet your financial needs.
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