Savings/CD/IRA Rates


Savings

Annual Percentage Yields are offered on accounts opened 07-24-2017 thru 08-14-2017. 
Account Balance Interest Rate APY
Personal/OTMA Statement Savings* $0 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 +
0.06%
0.09%
0.12%
0.06%
0.09%
0.12%
LCNB Money Market Account*
($1,000 minimum balance)
$0 - $9,999.99
$10,000.00 - $19,999.99
$20,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $199,999.99
$200,000.00 - $499,999.99
$500,000.00 +
0.00%
0.00%
0.05%
0.08%
0.13%
0.14%
0.16%
0.00%
0.00%
0.05%
0.08%
0.13%
0.14%
0.16%
Christmas Club (10/13/17) - 0.05% 0.05%
Vacation Club (03/16/18) -
0.05%
 0.05%

*These variable rate accounts may change after the account is opened.
The Annual Percentage Yields assume interest remains on deposit until maturity. A withdrawal will reduce earnings.
All Interest Rates and Annual Percentage Yields, except the Variable IRA Rate, 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 principal in the account each day.
Interest will begin to accrue on the business date in which the deposit is made.

CDs & IRAs

Annual Percentage Yields are offered on accounts opened 07-25-2017 thru 08-14-2017. 
26 Months  38 Months  59 Months
1.00% Interest Rate; 1.01% APY              1.29% Interest Rate; 1.30% APY               1.73% Interest Rate; 1.75% APY              
 

Bonus CD & IRA Rates

$1,000 Minimum Bonus CD Interest Rates* Bonus CD APY*
7-89 Days # 0.30%
0.30%
3-5 Months # 0.30% 0.30%
6-11 Months 0.50% 0.50%
12-17 Months 0.60% 0.60%
18-23 Months 0.60% 0.60%  
24-29 Months 0.85%
0.85%
30-35 Months 0.85% 0.85%
36-47 Months 1.00% 1.01%
48-59 Months 1.14% 1.15%
60-71 Months 1.24% 1.25%
72-120 Months 
1.24% 1.25%  
Variable Rate IRA**
(18 Month Term)
No Minimum Balance
1.11% 1.12%

Regular CD & IRA Rates

$1,000 Minimum                                 Regular CD Interest Rates                               Regular CD APY                      
7-89 Days # 0.15%
0.15%
3-5 Months # 0.15% 0.15%
6-11 Months 0.35% 0.35%
12-17 Months 0.45% 0.45%
18-23 Months 0.45% 0.45%  
24-29 Months 0.70%
0.70%
30-35 Months 0.70% 0.70%
36-47 Months 0.85% 0.85%
48-59 Months 0.99% 1.00%
60-71 Months 1.09% 1.10%
72-120 Months 
1.09% 1.10%  
Variable Rate IRA**
(18 Month Term)
No Minimum Balance
1.11% 1.12%  

* Bonus CD & IRA Rates are available upon qualification. Please see our Personal Checking Brochure for further details.
** This Rate will be the 182 day U.S. Treasury Bill rate for the last auction prior to the 20th of March, June, September and December, and will be adjusted quarterly as of the first of April, July, October and January.
# These CD terms are not available for Fixed Rate IRA Certificates of Deposits.
Certificates subject to penalty for early withdrawal.
The Annual Percentage Yields assume interest remains on deposit until maturity. A withdrawal will reduce earnings.
All Interest Rates and Annual Percentage Yields, except the Variable IRA Rate, 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 principal in the account each day.
Interest will begin to accrue on the business date in which the deposit is made.