Lindell Bank & Trust Company savings and CD rates
Lindell Bank & Trust Company advertises 0.25% APY on its Variable Savings account. That is 0.13 percentage points below the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #244 of 402 tracked savings rates by advertised APY. For a $10,000 balance it would rank #210. It was #140 three months ago.
Estimate your earnings·What Lindell Bank & Trust Company actually pays
Lindell Bank & Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.25% · Variable Savings |
| Minimum to open | not stated · Variable Savings |
| Against the national average | 0.13 percentage points below the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 4.00% · 12 months · 12-Month Special Certificates of Deposit** |
| Minimum to open | $10,000 · 12 months CD |
| Against the national average | 2.29 percentage points above the 1.71% FDIC 12-month CD average (Aug 2026) |
| FDIC certificate | 1073 · St. Louis, MO |
|---|---|
| Website | www.lindellbank.com |
| Branches | 15 branches in IL, MO |
| Availability | Available in MO, IL |
Lindell Bank & Trust Company savings and CD rates
Personal
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%. Across 57 savings accounts from 55 banks in the Banksparency core savings index, the median advertised rate is 3.52%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Lindell Bank & Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1 months | 0.10% | $1,000 | 7-29 Day Certificates of Deposit |
| 1-3 months | 0.10% | $1,000 | 30-89 Day Certificates of Deposit |
| 3-6 months | 0.40% | $1,000 | 90-181 Day Certificates of Deposit |
| 5 months | 0.40% | $1,000 | 5-Month Certificates of Deposit |
| 6 months | 0.50% | $1,000 | 182-Day Certificates of Deposit |
| 7 months | 1.00% | $1,000 | 7-Month Certificates of Deposit |
| 7 months | 4.00% | $10,000 | 7-Month Special Certificates of Deposit** |
| 9 months | 1.25% | $1,000 | 9-Month Certificates of Deposit |
| 9 months | 4.00% | $10,000 | 9-Month Special Certificates of Deposit** |
| 11 months | 1.50% | $1,000 | 11-Month Certificates of Deposit |
| 12 months | 4.00% | $10,000 | 12-Month Special Certificates of Deposit** |
| 12 months | 1.50% | $1,000 | 12-Month Certificates of Deposit |
| 13 months | 1.50% | $1,000 | 13-Month Certificates of Deposit |
| 14 months | 1.50% | $1,000 | 14-Month Certificates of Deposit |
| 15 months | 3.85% | $10,000 | 15-Month Special Certificates of Deposit** |
| 15 months | 1.50% | $1,000 | 15-Month Certificates of Deposit |
| 18 months | 3.50% | $10,000 | 18-Month Special Certificates of Deposit** |
| 18 months | 1.50% | $1,000 | 18-Month Certificates of Deposit |
| 19 months | 1.50% | $1,000 | 19-Month Certificates of Deposit |
| 20 months | 1.50% | $1,000 | 20-Month Certificates of Deposit |
| 21 months | 1.50% | $1,000 | 21-Month Certificates of Deposit |
| 24 months | 1.50% | $1,000 | 24-Month Certificates of Deposit |
| 30 months | 1.50% | $1,000 | 30-Month Certificates of Deposit |
| 36 months | 2.75% | $1,000 | 36-Month Certificates of Deposit |
| 48 months | 2.75% | $1,000 | 48-Month Certificates of Deposit |
| 60 months | 3.00% | $1,000 | 60-Month Certificates of Deposit |
Interactive Tool
Calculate Savings for Lindell Bank & Trust Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$93.40(0.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,093.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Lindell Bank & Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced all of its deposits over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q1 2026, Lindell Bank & Trust Company paid a higher average rate than 40% of U.S. banks (all-bank median 2.27%).
- Lindell Bank & Trust Company, avg rate paid
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rate paid on interest-bearing deposits, quarterly. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Christmas Club Savings | 0.25% | not stated | $0 | None | not stated | None | One rate | |
| Variable Savings | 0.25% | not stated | $0 | None | not stated | None | One rate | |
| IRA | ||||||||
| 18-Month Special Variable Rate IRA | 4.15% | $1,000 | $0 | None | not stated | None | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 7-29 Day Certificates of Deposit | 1 months | 0.10% | $1,000 | not stated | not stated |
| 30-89 Day Certificates of Deposit | 1-3 months | 0.10% | $1,000 | not stated | not stated |
| 90-181 Day Certificates of Deposit | 3-6 months | 0.40% | $1,000 | not stated | not stated |
| 5-Month Certificates of Deposit | 5 months | 0.40% | $1,000 | not stated | not stated |
| 182-Day Certificates of Deposit | 6 months | 0.50% | $1,000 | not stated | not stated |
| 7-Month Certificates of Deposit | 7 months | 1.00% | $1,000 | not stated | not stated |
| 7-Month Special Certificates of Deposit** | 7 months | 4.00% | $10,000 | not stated | not stated |
| 9-Month Certificates of Deposit | 9 months | 1.25% | $1,000 | not stated | not stated |
| 9-Month Special Certificates of Deposit** | 9 months | 4.00% | $10,000 | not stated | not stated |
| 11-Month Certificates of Deposit | 11 months | 1.50% | $1,000 | not stated | not stated |
| 12-Month Special Certificates of Deposit** | 12 months | 4.00% | $10,000 | not stated | not stated |
| 12-Month Certificates of Deposit | 12 months | 1.50% | $1,000 | not stated | not stated |
| 13-Month Certificates of Deposit | 13 months | 1.50% | $1,000 | not stated | not stated |
| 14-Month Certificates of Deposit | 14 months | 1.50% | $1,000 | not stated | not stated |
| 15-Month Special Certificates of Deposit** | 15 months | 3.85% | $10,000 | not stated | not stated |
| 15-Month Certificates of Deposit | 15 months | 1.50% | $1,000 | not stated | not stated |
| 18-Month Special Certificates of Deposit** | 18 months | 3.50% | $10,000 | not stated | not stated |
| 18-Month Certificates of Deposit | 18 months | 1.50% | $1,000 | not stated | not stated |
| 19-Month Certificates of Deposit | 19 months | 1.50% | $1,000 | not stated | not stated |
| 20-Month Certificates of Deposit | 20 months | 1.50% | $1,000 | not stated | not stated |
| 21-Month Certificates of Deposit | 21 months | 1.50% | $1,000 | not stated | not stated |
| 24-Month Certificates of Deposit | 24 months | 1.50% | $1,000 | not stated | not stated |
| 30-Month Certificates of Deposit | 30 months | 1.50% | $1,000 | not stated | not stated |
| 36-Month Certificates of Deposit | 36 months | 2.75% | $1,000 | not stated | not stated |
| 48-Month Certificates of Deposit | 48 months | 2.75% | $1,000 | not stated | not stated |
| 60-Month Certificates of Deposit | 60 months | 3.00% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in MO, IL |
|---|---|
| Footprint | 15 branches in IL, MO |
| Eligibility | not stated |
How Lindell Bank & Trust Company behaves over time
Every observation of the advertised Variable Savings rate in the last 12 months was 0.25% (observed through Sep 5, 2026). The series includes promotional tiers where one applied.
Banksparency observed no cuts to Lindell Bank & Trust Company's advertised savings rate in the last 12 months, a period with 3 Federal Reserve cuts.
Recent rate changes, as observed
- Obs. Aug 19, 20267-Month Special Certificates of Deposit**Cut:3.90%to3.50%
- Obs. Aug 19, 20267-Month Special Certificates of Deposit**Raise:3.50%to4.00%
- Obs. Aug 19, 20269-Month Special Certificates of Deposit**Raise:3.40%to4.00%
- Obs. Aug 19, 202612-Month Special Certificates of Deposit**Raise:3.25%to4.00%
- Obs. Aug 19, 202615-Month Special Certificates of Deposit**Raise:3.05%to3.85%
- Variable Savings
- The same as 90 days ago.
- 12 months CD
- Up 0.75 percentage points from 30 days ago.
$10,000 at the 0.25% APY Lindell Bank & Trust Company advertises on Variable Savings grows to $10,025 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,699 does today. See how the federal funds rate shapes savings rates.
Lindell Bank & Trust Company CD rates over time
Who is Lindell Bank & Trust Company?
| Headquarters | St. Louis, MO |
|---|---|
| Founded | 1923 |
| Scale | $945M assets · $701M deposits, $438M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 1073 |
Financial detail is in What Lindell Bank & Trust Company pays on deposits above.
Common questions about Lindell Bank & Trust Company
Is Lindell Bank & Trust Company FDIC insured?
Yes. Lindell Bank & Trust Company is FDIC insured under certificate 1073, so deposits are covered up to $250,000 per depositor, per ownership category.
Does Lindell Bank & Trust Company have branches?
Yes. Lindell Bank & Trust Company operates 15 branches according to FDIC branch records, in addition to its website and mobile apps.
Lindell Bank & Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Lindell Bank & Trust Company | 4.15% | 2.12% | $1,000 | 15 branches in IL, MO |
| Central Penn Bank & Trust | 1.25% | 2.15% | not stated | 14 branches in PA |
| First State Bank | 2.27% | 2.32% | $2,500 | 20 branches in IL |
| First Westroads Bank, Inc. | 0.25% | 2.48% | $100 | 2 branches in NE |
Alternatives are the three tracked banks whose highest savings APY is closest to Lindell Bank & Trust Company's.
Similar banks and rate hubs
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Rate hubs: today's highest savings rates, and CD rates by term.