Checking Rates


Annual Percentage Yields (APY) are offered on accounts opened 5-27-2024 thru 6-02-2024. 
Account Balance Interest Rate Annual Percent Yield
Kasasa Cash  Up to $25,000
Over $25,000

*Resulting in a range from
1.20% to 4.00% APY

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

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

3.93%
0.50%


0.05%
4.00%
*


0.05%
Health Savings Account (HSA)** $0 - $999.99
$1,000.00 - $2,499.99
$2,500 - $9,999.99
$10,000.00 +
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%

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:
For calendar year 2024, a “high deductible health plan” is defined under § 223(c)(2)(A) as a health plan with an annual deductible that is not less than $1,500 for self-only coverage or $3,200 for family coverage, and the annual out-of-pocket expenses (deductibles, co-payments, and other amounts, but not premiums) do not exceed $8,050 for self-only coverage or $16,000 for family coverage. These figures are adjusted by the IRS for inflation each year.
For tax year 2023, contributions are limited to $3,850 for single coverage and $7,750 for family coverage. For tax year 2024, the contribution limit for single coverage is $4,150 and $8,300 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, 2024. For additional information, please see Publication 969, Health Savings Accounts and other Tax-Favored Health Plans at IRS.gov.
You can make no further contributions after age 65; however, the account may remain open to pay for qualified medical expenses.
HSA distributions used for non-qualified medical expenses are subject to ordinary income tax and, if taken before age 65, a 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.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.