Certificates

Certificates of Deposit

Once you choose a CD, 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 CDs:

• Terms from 6 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 CD: 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 CD that allows you to "bump" the rate one time during the term of the CD. 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 CD 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.

Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan.