Deposit Rates

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Table data for Checking
 Rates Effective 05/08/18
Balance Amount Rate APY Alert Me
High Rewards Checking1 up to $25,000.00 1.999% 2.00% Receive a notification when this rate changes
High Rewards Checking2 $25,000.01 or > 0.095% 0.10% Receive a notification when this rate changes
Simply Checking n/a 0.00% 0.00% Receive a notification when this rate changes
SPLIT RATE: Our High Rewards Checking account is paid dividends based on a split rate tier structure and the account's average daily balance for the month. These two calculations are combined to provide an APYE (Annual Percentage Yield Earned) for your monthly dividend. This combined APYE is shown on your statement as a split rate. If requirements for High Rewards Checking are not met for the dividend period, it will become a non-dividend bearing account.

Dividends on checking accounts are variable and are subject to change after the account is opened. Dividends are compounded monthly for checking accounts. Fees can reduce earnings on accounts.
  • 1Rate and Annual Percentage Yield (APY) paid provided the qualifications are met; otherwise you do not earn dividends that month. The rate is only paid on balances up to $25,000. A lower rate will be paid on balances over $25,000. See High Rewards Checking for details.
  • 2Rate and Annual Percentage Yield (APY) paid on all balances in excess of $25,000 provided the qualifications are met. See High Rewards Checking for details.

Table data for Savings
 Rates Effective 03/15/19
Balance Amount Rate APY Alert Me
Membership (Base) Savings $100.00 or > 0.145% 0.15% Receive a notification when this rate changes
$25,000.00 or > 0.245% 0.25% Receive a notification when this rate changes
$100,000.00 or > 0.345% 0.35% Receive a notification when this rate changes
Custodial Savings $100.00 or > 0.145% 0.15% Receive a notification when this rate changes
$25,000.00 or > 0.245% 0.25% Receive a notification when this rate changes
$100,000.00 or > 0.345% 0.35% Receive a notification when this rate changes
Special Savings $100.00 or > 0.145% 0.15% Receive a notification when this rate changes
$25,000.00 or > 0.245% 0.25% Receive a notification when this rate changes
$100,000.00 or > 0.345% 0.35% Receive a notification when this rate changes
Youth Savings Account1 $5.00 - $500.00 4.995% 5.00% Receive a notification when this rate changes
$500.01 or > 0.145% 0.15% Receive a notification when this rate changes
$25,000.00 or > 0.245% 0.25% Receive a notification when this rate changes
$100,000.00 or > 0.345% 0.35% Receive a notification when this rate changes
Money Market2 $2,500.00 or > 0.495% 0.50% Receive a notification when this rate changes
$10,000.00 or > 0.594% 0.60% Receive a notification when this rate changes
$25,000.00 or > 0.743% 0.75% Receive a notification when this rate changes
Premium Money Market3 $50,000.00 or > 0.892% 0.90% Receive a notification when this rate changes
$100,000.00 or > 0.991% 1.00% Receive a notification when this rate changes
A $5 minimum balance is required to maintain a membership (base) savings account, IRA savings account, custodial savings account, or youth savings account. APY refers to Annual Percentage Yield. Fees can reduce earnings on accounts. Dividends on savings, IRAs, money market accounts, and checking accounts are variable and are subject to change after the account is opened. Dividends are compounded monthly for checking and money market accounts and are compounded quarterly for savings and IRAs. Limit 6 withdrawals per month as required by Regulation D.
  • 1Youth savings accounts are available to members through age 22 and are limited to one account per person. Balances over $500 earn at a lower rate.
  • 2If the average daily balance falls below $2,500 for the dividend period, it will become a non-dividend bearing account. You must maintain the minimum daily balance amount of $2,500 in your account to avoid a fee as stated in our Fee Schedule.
  • 3$50,000 minimum balance to open. $50,000 minimum average daily balance to earn dividends.

Table data for Certificates
 07/01/19
Term Minimum Balance Rate APY Early Withdrawal Penalty Alert Me
12 Months $1,000 or > 1.440% 1.45% 90 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.588% 1.60% 90 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.736% 1.75% 90 Days Dividends Receive a notification when this rate changes
20 Months $1,000 or > 1.982% 2.00% 180 Days Dividends Alert Me
24 Months $1,000 or > 1.584% 1.60% 180 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.732% 1.75% 180 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.879% 1.90% 180 Days Dividends Receive a notification when this rate changes
36 Months $1,000 or > 1.732% 1.75% 270 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.879% 1.90% 270 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.027% 2.05% 270 Days Dividends Receive a notification when this rate changes
48 Months $1,000 or > 1.879% 1.90% 360 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.027% 2.05% 360 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.174% 2.20% 360 Days Dividends Receive a notification when this rate changes
60 Months $1,000 or > 2.027% 2.05% 450 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.174% 2.20% 450 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.321% 2.35% 450 Days Dividends Receive a notification when this rate changes
33 Month Bump Rate Certificate $2,500 or > 1.633% 1.65% 270 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.732% 1.75% 270 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.830% 1.85% 270 Days Dividends Receive a notification when this rate changes
55 Month Bump Rate Certificate $2,500 or > 1.928% 1.95% 450 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.027% 2.05% 450 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.125% 2.15% 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.

Table data for IRA Certificates
 07/01/19
Term Minimum Balance Rate APY Early Withdrawal Penalty Alert Me
12 Months $1,000 or > 1.292% 1.30% 90 Days Dividends
$25,000 or > 1.440% 1.45% 90 Days Dividends
$100,000 or > 1.588% 1.60% 90 Days Dividends
20 Months $1,000 or > 1.982% 2.00% 180 Days Dividends
24 Months $1,000 or > 1.436% 1.45% 180 Days Dividends
$25,000 or > 1.584% 1.60% 180 Days Dividends
$100,000 or > 1.732% 1.75% 180 Days Dividends
36 Months $1,000 or > 1.584% 1.60% 270 Days Dividends
$25,000 or > 1.732% 1.75% 270 Days Dividends
$100,000 or > 1.879% 1.90% 270 Days Dividends
48 Months $1,000 or > 1.732% 1.75% 360 Days Dividends
$25,000 or > 1.879% 1.90% 360 Days Dividends
$100,000 or > 2.027% 2.05% 360 Days Dividends
60 Months $1,000 or > 1.879% 1.90% 450 Days Dividends
$25,000 or > 2.027% 2.05% 450 Days Dividends
$100,000 or > 2.174% 2.20% 450 Days Dividends
The minimum opening deposit amount for all certificates starts at $1,000.00. APY refers to Annual Percentage Yield. Rates and APY are subject to change without notice.

Table data for Business Accounts
 Rates Effective 01/15/19
Rate APY Balance Amount Alert Me
Business Savings 0.145% 0.15% $100.00 or > Receive a notification when this rate changes
0.245% 0.25% $25,000 or > Receive a notification when this rate changes
0.345% 0.35% $100,000 or > Receive a notification when this rate changes
Business Secondary Savings 0.145% 0.15% $100.00 or > Receive a notification when this rate changes
0.245% 0.25% $25,000 or > Receive a notification when this rate changes
0.345% 0.35% $100,000 or > Receive a notification when this rate changes
Primary Checking N/A N/A $2,500 Average Daily Balance Receive a notification when this rate changes
Growth Business Checking1 0.25% 0.25% $10,000 Average Daily Balance Receive a notification when this rate changes
Volume Business Checking2 N/A N/A Earning Credit available Receive a notification when this rate changes
Non-Profit Checking N/A N/A N/A Receive a notification when this rate changes
Money Market3 0.495% 0.50% $2,500 or > Receive a notification when this rate changes
0.594% 0.60% $10,000 or > Receive a notification when this rate changes
0.743% 0.75% $25,000 or > Receive a notification when this rate changes
Premium Money Market4 0.892% 0.90% $50,000 or > Receive a notification when this rate changes
0.991% 1.00% $100,000 or > Receive a notification when this rate changes
A $5 minimum balance is required to maintain a membership (base) savings account, custodial savings account, or youth savings account. APY refers to Annual Percentage Yield. Fees can reduce earnings on accounts. Dividends on savings and money market accounts are variable and are subject to change after the account is opened. Limit 6 withdrawals per month as required by Regulation D.
  • 1If Average Daily Balance falls below $10,000 the monthly maintenance fee is assessed. Refer to the LGE Business Accounts Schedule of Fees for more information.
  • 2Earnings credits are calculated by applying the Volume Business Checking rate to the average daily balance of the account.
  • 3If the average daily balance falls below $2,500 for the dividend period, it will become a non-dividend bearing account. You must maintain the minimum daily balance amount of $2,500 in your account to avoid a fee as stated in our Fee Schedule.
  • 4$50,000 minimum balance to open. $50,000 minimum average daily balance to earn dividends.

Table data for Business Certificates
 Rates Effective 07/01/19
Term Minimum Balance Rate APY Early Withdrawal Penalty Alert Me
12 Months $1,000 or > 1.440% 1.45% 90 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.588% 1.60% 90 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.736% 1.75% 90 Days Dividends Receive a notification when this rate changes
20 Months $1,000 or > 1.982% 2.00% 180 Days Dividends Receive a notification when this rate changes
24 Months $1,000 or > 1.584% 1.60% 180 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.732% 1.75% 180 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.879% 1.90% 180 Days Dividends Receive a notification when this rate changes
36 Months $1,000 or > 1.732% 1.75% 270 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.879% 1.90% 270 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.027% 2.05% 270 Days Dividends Receive a notification when this rate changes
48 Months $1,000 or > 1.879% 1.90% 360 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.027% 2.05% 360 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.174% 2.20% 360 Days Dividends Receive a notification when this rate changes
60 Months $1,000 or > 2.027% 2.05% 450 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.174% 2.20% 450 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.321% 2.35% 450 Days Dividends Receive a notification when this rate changes
33 Month Bump Rate Certificate $2,500 or > 1.633% 1.65% 270 Days Dividends Receive a notification when this rate changes
$25,000 or > 1.732% 1.75% 270 Days Dividends Receive a notification when this rate changes
$100,000 or > 1.830% 1.85% 270 Days Dividends Receive a notification when this rate changes
55 Month Bump Rate Certificate $2,500 or > 1.928% 1.95% 450 Days Dividends Receive a notification when this rate changes
$25,000 or > 2.027% 2.05% 450 Days Dividends Receive a notification when this rate changes
$100,000 or > 2.125% 2.15% 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.