Lindell Bank & Trust Company: Savings Accounts, CDs & Rates

Updated: 8/21/2026

Mission: Banksparency aims to make Lindell Bank & Trust Company's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Lindell Bank & Trust Company

Our verdict

CD Analysis

Lindell Bank & Trust Company offers CDs paying up to 4.00% APY on its 7 months term, across 21 term lengths.

Tracking 26 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.00% APY for a 7 months term and laddering across multiple maturities.

Lindell Bank & Trust Company also offers Variable Savings, a savings account paying 0.25% APY with no minimum deposit.

At 0.25% APY, Lindell Bank & Trust Company pays below the national savings average of 0.38%.

Additional Accounts

Christmas Club Savings, a club savings account at 0.25% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

IRA Analysis

Lindell Bank & Trust Company also offers an IRA savings account paying up to 4.18% APY.

Tracking 1 active IRA savings product, useful for tax-advantaged retirement savings.

Best IRA use: tax-advantaged retirement saving.

Important Considerations

Christmas Club Savings is a club savings account. Designed for scheduled deposits toward a set payout date.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Christmas Club Savings

Savings

0.25% APY

No Minimums Branch Access

Rank #208 of 337 tracked.

Variable Savings

Savings

0.25% APY

No Minimums Branch Access

Rank #209 of 337 tracked.

18-Month Special Variable Rate IRA

IRA Savings

4.18% APY

StableNo rate changes in last 30 days

Min: $1,000 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationSt. Louis, MO
Deposit InsuranceFDIC Insured(Cert: 1073)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Lindell Bank & Trust Company

Feature	Variable Savings	Christmas Club Savings
APY	0.25%Verified: 8/21/2026	0.25%Verified: 8/21/2026
APY Trend	N/A	N/A
Min. Deposit	N/A	N/A
Min. Balance	N/A	N/A
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	daily	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for Lindell Bank & Trust Company

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$93.40(0.7%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,093.40

Effective APY

0.25%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Lindell Bank & Trust Company Deposit Rates Over Time

No historical data available.

Compare with Lindell Bank & Trust Company

Feature	Current View Lindell Bank & Trust Company	Empty Slot
Product		-
APY	0.25%Verified: 8/21/2026	-
APY Trend	N/A	-
Min. Deposit	N/A	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	daily	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.00% Highest APY

Across 26 CD products with terms: 20 months, 19 months, 18 months, 15 months, 14 months, 7 months, 13 months, 12 months, 11 months, 9 months, 6 months, 5 months, 3-6 months, 1-3 months, 1 months, 60 months, 48 months, 36 months, 30 months, 24 months, 21 months

CD Products Offered by Lindell Bank & Trust Company

Feature	30-89 Day Certificates of Deposit 1-3 months	7-29 Day Certificates of Deposit 1 months	90-181 Day Certificates of Deposit 3-6 months	5-Month Certificates of Deposit 5 months	182-Day Certificates of Deposit 6 months	7-Month Special Certificates of Deposit** 7 months	7-Month Certificates of Deposit 7 months	9-Month Certificates of Deposit 9 months	9-Month Special Certificates of Deposit** 9 months	11-Month Certificates of Deposit 11 months	12-Month Certificates of Deposit 12 months	12-Month Special Certificates of Deposit** 12 months	13-Month Certificates of Deposit 13 months	14-Month Certificates of Deposit 14 months	15-Month Certificates of Deposit 15 months	15-Month Special Certificates of Deposit** 15 months	18-Month Certificates of Deposit 18 months	18-Month Special Certificates of Deposit** 18 months	19-Month Certificates of Deposit 19 months	20-Month Certificates of Deposit 20 months	21-Month Certificates of Deposit 21 months	24-Month Certificates of Deposit 24 months	30-Month Certificates of Deposit 30 months	36-Month Certificates of Deposit 36 months	48-Month Certificates of Deposit 48 months	60-Month Certificates of Deposit 60 months
APY	0.10%Verified: 8/21/2026	0.10%Verified: 8/21/2026	0.40%Verified: 8/21/2026	0.40%Verified: 8/21/2026	0.50%Verified: 8/21/2026	4.00%Verified: 8/21/2026	1.00%Verified: 8/21/2026	1.25%Verified: 8/21/2026	4.00%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	4.00%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	3.85%Verified: 8/21/2026	1.50%Verified: 8/21/2026	3.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	1.50%Verified: 8/21/2026	2.75%Verified: 8/21/2026	2.75%Verified: 8/21/2026	3.00%Verified: 8/21/2026
Term	1-3 months	1 months	3-6 months	5 months	6 months	7 months	7 months	9 months	9 months	11 months	12 months	12 months	13 months	14 months	15 months	15 months	18 months	18 months	19 months	20 months	21 months	24 months	30 months	36 months	48 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$1,000	$10,000	$1,000	$1,000	$10,000	$1,000	$1,000	$10,000	$1,000	$1,000	$1,000	$10,000	$1,000	$10,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

Lindell Bank & Trust Company CD Rates Over Time

Alternatives to Lindell Bank & Trust Company

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