Checking Rates

Annual Percentage Yields (APY) are offered on accounts opened 11-28-2022 thru 12-04-2022. 
Account Balance Interest Rate Annual Percent Yield
Kasasa Cash  Up to $25,000
Over $25,000

*Resulting in a range from
0.52% to 2.00% APY

All balances earn when
qualifications not met
(View Qualification Details Here) 

Kasasa Cash has
non-compounding APY
when tied to Kasasa Saver



Health Savings Account (HSA)** $0 - $999.99
$1,000.00 - $2,499.99
$2,500 - $9,999.99
$10,000.00 +

Member FDIC
  • All rates are variable and are subject to change.
  • A withdrawal and/or fees could reduce earnings.
  • All Interest Rates and Annual Percentage Yields, are determined by this institution and are not tied to any index.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. Interest will begin to accrue on the business date in which the deposit is made.
**Additional HSA Information:
A health plan qualifies as a High Deductible Health Plan if the annual minimum deductible is at least $1,350 for single coverage or $2,700 for family coverage and the maximum out-of-pocket limit is $6,650 for single coverage and $13,300 for family coverage for 2018. 
For 2019, the minimum deductible is $1,350 and the maximum out-of-pocket limit is $6,750 for single coverage. For family coverage the minimum deductible is $2,700 and the maximum out-of-pocket limit is $13,500. These figures are subject to be adjusted by the IRS for inflation each year.

For tax year 2018, contributions are limited to $3,450 for single coverage and $6,850 for family coverage. For tax year 2019, the contribution limit for single coverage is $3,500 and $7,000 for family coverage. A catch-up contribution of $1,000 is available to persons age 55 and older. The contribution limits are adjusted for inflation each year. Contributions may be made for the prior tax year until April 15.

You can make no further contributions after age 65; however, the account may remain open to pay for qualified medical expenses.

Effective January 1, 2011, it will no longer be permissible to use the HSA to pay for over the counter medications and other non-prescription drugs without a prescription. Medical expenses qualified or non-qualified are explained in IRS Pub. 502. You can find this publication online at .

HSA distributions used for non-qualified medical expenses are subject to ordinary income tax and, if taken before age 65 is 20% IRS penalty tax. (Unless the distribution is because of death or disability).

LCNB National Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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