LANB Rates

Checking Accounts

Account Type

Interest Rate

APY

Minimum Balance

Account Type

Checking

Interest Rate

N/A

APY

N/A

Minimum Balance

No minimum balance required

Account Type

Interest-Bearing Checking

Interest Rate

0.01%

APY

0.01%

Minimum Balance

$500 to avoid a $5 monthly service charge

Senior Interest Bearing Checking Account

Tier

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

No minimum balance required, must be 62+ to qualify.

Tier

Tier 1

Interest Rate

0.01%

APY

0.01%

Minimum Balance
(to qualify for interest rate)

$.01

Tier

Tier 2

Interest Rate

0.05%

APY

0.05%

Minimum Balance
(to qualify for interest rate)

$20,000.00

Tier

Tier 3

Interest Rate

0.07%

APY

0.07%

Minimum Balance
(to qualify for interest rate)

$50,000.00

Tier

Tier 4

Interest Rate

0.10%

APY

0.10%

Minimum Balance
(to qualify for interest rate)

$100,000.00

Money Market Accounts

Tier

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Interest bearing; a minimum of $1000 is required to avoid a $5.00 monthly service charge; limit of 6 transactions per monthly statement cycle.

Tier

Tier 1

Interest Rate

0.01%

APY

0.01%

Minimum Balance
(to qualify for interest rate)

$.01

Tier

Tier 2

Interest Rate

0.05%

APY

0.05%

Minimum Balance
(to qualify for interest rate)

$20,000.00

Tier

Tier 3

Interest Rate

0.07%

APY

0.07%

Minimum Balance
(to qualify for interest rate)

$50,000.00

Tier

Tier 4

Interest Rate

0.10%

APY

0.10%

Minimum Balance
(to qualify for interest rate)

$100,000.00

Savings Accounts

Type of Account

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

No minimum balance required; limit of 6 convenient withdrawals per monthly statement cycle.

Type of Account

Savings

Interest Rate

0.05%

APY

0.05%

Minimum Balance
(to qualify for interest rate)

$.01

Type of Account

IRA Savings

Interest Rate

0.05%

APY

0.05%

Minimum Balance
(to qualify for interest rate)

$.01

Certificates of Deposit and IRA Certificates of Deposit

Term Length

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Minimum balance required to open account. An early withdrawal penalty of 3 months interest, but not less than $25.00, will be assessed on CDs less than 12 months. A penalty of 6 months interest, but not less than $25.00, will be assessed on CD’s over 12 months.

Term Length

90 days

Interest Rate

0.35%

APY

0.35%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

180 days

Interest Rate

0.35%

APY

0.35%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

12 months

Interest Rate

0.80%

APY

0.80%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

18 months

Interest Rate

0.85%

APY

0.85%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

24 months

Interest Rate

0.90%

APY

0.90%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

36 months

Interest Rate

1.00%

APY

1.00%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

48 months

Interest Rate

1.10%

APY

1.11%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

60 months

Interest Rate

1.30%

APY

1.31%

Minimum Balance
(to qualify for interest rate)

$500.00

Senior Certificates of Deposit and IRA Certificates of Deposit

Term Length

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Age 62+. Minimum balance required to open account. An early withdrawal penalty of 3 months interest, but not less than $25.00, will be assessed on CDs less than 12 months. A penalty of 6 months interest, but not less than $25.00, will be assessed on CD’s over 12 months.

Term Length

90 days

Interest Rate

0.35%

APY

0.35%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

180 days

Interest Rate

0.35%

APY

0.35%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

12 months

Interest Rate

0.80%

APY

0.80%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

18 months

Interest Rate

0.85%

APY

0.85%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

24 months

Interest Rate

0.90%

APY

0.90%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

36 months

Interest Rate

1.00%

APY

1.00%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

48 months

Interest Rate

1.10%

APY

1.11%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

60 months

Interest Rate

1.30%

APY

1.31%

Minimum Balance
(to qualify for interest rate)

$500.00

Jumbo Certificates of Deposit and IRA Certificates of Deposit

Term Length

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Minimum balance required to open account. An early withdrawal penalty of 3 months interest, but not less than $25.00, will be assessed on CDs less than 12 months. A penalty of 6 months interest, but not less than $25.00, will be assessed on CD’s over 12 months.

Term Length

90 days

Interest Rate

0.40%

APY

0.40%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

180 days

Interest Rate

0.40%

APY

0.40%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

12 months

Interest Rate

0.80%

APY

0.80%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

18 months

Interest Rate

0.85%

APY

0.85%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

24 months

Interest Rate

0.90%

APY

0.90%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

36 months

Interest Rate

1.00%

APY

1.00%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

48 months

Interest Rate

1.10%

APY

1.11%

Minimum Balance
(to qualify for interest rate)

$250,000.00

Term Length

60 months

Interest Rate

1.30%

APY

1.31%

Minimum Balance
(to qualify for interest rate)

$250,000.00

The interest rate may change after the account is opened on checking, savings and money market accounts. Fees could reduce earnings on account. All rates are subject to change without prior notice. Product availability is subject to change without prior notice.

Business Checking Accounts

Account Type

Interest Rate

APY

Minimum Balance

Account Type

Business Checking

Interest Rate

N/A

APY

N/A

Minimum Balance

$300 to avoid a $5 monthly service charge

Account Type

Business Interest Checking

Interest Rate

0.01%

APY

0.01%

Minimum Balance

$500 to avoid a $5 monthly service charge

Business Savings Accounts

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Interest bearing. Limit of 6 convenient withdrawals per monthly statement cycle.

Interest Rate

0.05%

APY

0.05%

Minimum Balance
(to qualify for interest rate)

$.01

Business Money Market Accounts

Tier

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Interest bearing. A minimum of $1000 is required to avoid a $5.00 monthly service charge. Limit of 6 convenient withdrawals per monthly statement cycle.

Tier

Tier 1

Interest Rate

0.01%

APY

0.01%

Minimum Balance
(to qualify for interest rate)

$.01

Tier

Tier 2

Interest Rate

0.05%

APY

0.05%

Minimum Balance
(to qualify for interest rate)

$20,000.00

Tier

Tier 3

Interest Rate

0.07%

APY

0.07%

Minimum Balance
(to qualify for interest rate)

$50,000.00

Tier

Tier 4

Interest Rate

0.10%

APY

0.10%

Minimum Balance
(to qualify for interest rate)

$100,000.00

Business Certificates of Deposit

Term Length

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

An early withdrawal penalty of 3 months interest, but not less than $25.00, will be assessed on CDs less than 12 months. A penalty of 6 months interest, but not less than $25.00, will be assessed on CDs over 12 months.

Term Length

90 days

Interest Rate

0.35%

APY

0.35%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

180 days

Interest Rate

0.35%

APY

0.35%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

12 months

Interest Rate

0.80%

APY

0.80%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

18 months

Interest Rate

0.85%

APY

0.85%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

24 months

Interest Rate

0.90%

APY

0.90%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

36 months

Interest Rate

1.00%

APY

1.00%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

48 months

Interest Rate

1.10%

APY

1.11%

Minimum Balance
(to qualify for interest rate)

$500.00

Term Length

60 months

Interest Rate

1.30%

APY

1.31%

Minimum Balance
(to qualify for interest rate)

$500.00

IOLTA Accounts

Interest Rate

APY

Minimum Balance
(to qualify for interest rate)

Interest bearing. No minimum balance.

Interest Rate

0.50%

APY

0.50%

Minimum Balance
(to qualify for interest rate)

$.01

Note: The interest rate may change after the account is opened on checking, savings and money market accounts. Fees could reduce earnings on account. All rates are subject to change without prior notice. Product availability is subject to change without prior notice.

For our most current home, construction, lot, home equity, auto & RV, and personal loan rates, please call (505) 662-5171.

For our most current business loan rates, please call (505) 662-5171.

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