Certificates

A Certificate allows you to earn a higher dividend rate in return for leaving your funds on deposit for a specified period of time.

Certificates of Deposit

Once you choose a Certificate, you will earn the same rate throughout the term of the deposit. And you can rest easy knowing that your funds are federally insured, up to $250,000.

Here is more about LGE Certificates:

  • Terms from 12 to 60 months
  • Minimum balance of $1,000 ($2,500 minimum for Bump Rate Certificates)
  • After initial deposit, no additional deposits
  • 10-day grace period after renewal to make changes
  • Convenience of automatic renewal, subject to the grace period
  • No partial withdrawals - certificates closed prior to maturity incur an early withdrawal penalty

To open a Certificate: Call 770-424-0060 or stop by a branch. Existing members can also open a certificate through Online Banking by logging in to your account and selecting “Open Deposit Accounts” from Quick Links.

Bump Rate Certificate

LGE now offers a Bump Rate Certificate. This is a Certificate of Deposit that allows you to "bump" the rate one time during the term of the certificate. You won't have to worry about locking in your funds at today's rate if rates start going up.

Bump Rate Certificates are available in a 33 month or 55 month term with a minimum deposit balance of $2,500. See below for current rates.

To open a Bump Rate Certificate: Call 770-424-0060 or stop by a branch. Existing members can also open a certificate through Online Banking by logging in to your account and selecting “Open Deposit Accounts” from Quick Links.

To bump a rate on an existing Bump Rate Certificate: Call 770-424-0060 to make the request by phone, or you can stop by your local branch.

IRAs are not eligible for Bump Rate Certificates.
Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan.

Certificate Rates

To open a Certificate: Call 770-424-0060 or stop by a branch. Existing members can also open a certificate through Online Banking by logging in to your account and selecting “Open Deposit Accounts” from Quick Links.

Table data for Certificates
 07/02/18
Term Minimum Balance Rate APY Early Withdrawal Penalty Alert Me
12 Months $1,000 or > 0.991% 1.00% 90 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.140% 1.15% 90 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.292% 1.30% 90 Days Dividends Receive a notification when this rate changes
24 Months $1,000 or > 1.238% 1.25% 180 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.387% 1.40% 180 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.535% 1.55% 180 Days Dividends Receive a notification when this rate changes
36 Months $1,000 or > 1.485% 1.50% 270 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.633% 1.65% 270 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.781% 1.80% 270 Days Dividends Receive a notification when this rate changes
48 Months $1,000 or > 1.732% 1.75% 360 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.879% 1.90% 360 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.027% 2.05% 360 Days Dividends Receive a notification when this rate changes
60 Months $1,000 or > 1.977% 2.00% 450 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.125% 2.15% 450 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.272% 2.30% 450 Days Dividends Receive a notification when this rate changes
33 Month Bump Rate Certificate $2,500 or > 1.387% 1.40% 270 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.485% 1.50% 270 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.584% 1.60% 270 Days Dividends Receive a notification when this rate changes
55 Month Bump Rate Certificate $2,500 or > 1.830% 1.85% 450 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.928% 1.95% 450 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.027% 2.05% 450 Days Dividends Receive a notification when this rate changes
APY refers to Annual Percentage Yield. Rates and APY are subject to change without notice.
The minimum opening deposit amount for Bump Certificates starts at $2,500.00. IRAs are not eligible for Bump Rate Certificates. Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan.