Check out our IRA Certificate Rates
View RatesStarting Small
Saving for retirement isn’t about big chunks of change, it’s about consistency and starting early. Open an IRA Share account today with only $5*. Then, you can open an IRA Certificate with just $100. Our IRA Certificates have great rates, and may come with significant tax advantages. Plus, your IRA Certificates are insured separately to at least $250,000.
Open an IRA Certificate
Check out our Share Certificate Rates
View RatesFinal Balance
Contributions: | Earnings:A Variety of Terms
We offer our Share Certificates at terms between 3 and 60 months, with competitive return rates at every level. You’ll be able to easily find a term that’s right for your financial plan.
Open a Share Certificate4.75% APY** – 5 Month Promotional Certificate
4.50% APY** – 10 Month Promotional Certificate
- Exceptional rates
- Limited time offers
- $1,000 minimum to open
- No maximum deposit amount
- At maturity (if funds not withdrawn), the 5 Month Certificate rolls into a 6 Month Certificate, and the 10 Month Certificate rolls into a 12 Month Certificate.
Open your Certificate today by logging in to Online Banking and opening a sub-account, calling us at 800.527.3328 or visiting any branch location. Skip the line and make an appointment at a branch!
Related Resources
-
Investments
Learn More
-
Savings Accounts
Learn More
-
NCUA Share Insurance
Learn More
-
Coverdell ESA
Learn More
FAQs
You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.
The routing number and transit number for LBS Financial is 322276855.
If the term of the account is three (3) months or less, the penalty is equal to thirty (30) days of dividends.
If the term of the account is less than one (1) year, but longer than three (3) months, the penalty is equal to ninety (90) days of dividends.
If the term of the account is one (1) year or greater, the penalty is the amount equal to one hundred and eighty (180) days dividends.
If the amount withdrawn reduces the principal amount below the stated minimum, we will cancel your Share Certificate and the penalty will apply to the entire balance in the certificate account. The remaining funds will be transferred to your Share Savings account.
You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.
The routing number and transit number for LBS Financial is 322276855.