*APY=Annual Percentage Yield. 2.96% dividend rate. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings. New money must come from another financial institution and cannot be transferred from an existing LBS Financial account. $2,500 minimum opening amount with no maximum deposit amount. 33 Month Certificate rolls into a 30 Month Certificate at maturity if funds are not withdrawn.

Rates are subject to change without notice. 33 Month Promotional Certificate may be discontinued at any time.