LNB Community Bank savings, CD and money market rates
LNB Community Bank's ESavings offers 0.50% APY on balances of $15,000 or less, and 0.40% on larger balances. That is 0.12 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1231 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #989.
Estimate your earnings·What LNB Community Bank actually pays
LNB Community Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.50% · ESavings · $15,000 or less only |
| Minimum to open | $100 · ESavings |
| Against the national average | 0.12 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.20% · 7 months · 7 Month CD |
| Minimum to open | $500 · 7 months CD |
| Against the national average | 2.81 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.15% · Super Money Market · needs at least $100,000 |
| Minimum to open | not stated · Super Money Market |
| Against the national average | 0.48 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 4398 · Lynnville, IN |
|---|---|
| Website | www.lnbbanking.com |
| Branches | 4 branches in IN |
| Availability | Available in IN |
LNB Community Bank savings, CD and money market rates
How the rate applies
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
LNB Community Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 2.01% | $2,500 | 3 Month CD |
| 5 months | 3.79% | $500 | 5 Month CD |
| 6 months | Up to2.01%On balances under $10,000 · no rate stated above | $2,500 | 6 Month CD (Under $10,000) |
| 6 months | 3.56% | $10,000 | 6 Month CD ($10,000 or More) |
| 7 months | 4.20% | $500 | 7 Month CD |
| 9 months | 3.79% | $500 | 9 Month CD |
| 11 months | 4.11% | $500 | 11 Month CD |
| 12 months | 3.82% | $500 | 12 Month CD |
| 12 months | 4.04% | $500 | 1 Year Relationship CD |
| 15 months | 2.01% | $500 | 15 Month CD |
| 18 months | 2.01% | $500 | 18 Month CD |
| 18 months | 1.00% | $500 | 18 Month CD (TDOA Variable) |
| 24 months | 2.53% | $500 | 24 Month CD |
| 24 months | 3.79% | $500 | 2 Year Relationship CD |
| 30 months | 2.79% | $500 | 30 Month CD |
| 36 months | 2.79% | $500 | 36 Month CD |
| 36 months | 3.53% | $500 | 3 Year Relationship CD |
| 42 months | 3.04% | $500 | 42 Month CD |
| 42 months | 3.28% | $500 | 42 Month Relationship CD |
| 48 months | 3.04% | $500 | 48 Month CD |
| 48 months | 3.28% | $500 | 4 Year Relationship CD |
| 50 months | 3.28% | $500 | 50 Month Relationship CD |
| 60 months | Up to3.28%On balances under $10,000 · no rate stated above | $500 | 60 Month CD (Under $10,000) |
| 60 months | 3.56% | $10,000 | 60 Month CD ($10,000 and Over) |
| 60 months | 4.04% | $500 | 5 Year Relationship CD |
| 84 months | 3.02% | $500 | 84 Month CD |
| 84 months | 4.04% | $500 | 7 Year Relationship CD |
Interactive Tool
Calculate Savings for LNB Community Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$772.10(5.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,772.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What LNB Community Bank 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 the savings and money market deposits it already holds, 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. The 0.50% applies to balances of $15,000 or less. A larger balance earns 0.40% on the whole amount.
In Q2 2026, LNB Community Bank paid a higher average rate on savings and money market deposits than 60% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- LNB Community Bank, savings and money market
- 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 savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
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 savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. 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 rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. 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. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Christmas Club | 2.02% | $1 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: Checks are mailed out in mid-October each year. The published rate requires another deposit account at the bank; without one the account earns a lower rate. | ||||||||
| Vacation Club | 2.02% | $1 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | One rate | |
| Fine print: Checks are mailed out in mid-May each year. The published rate requires another deposit account at the bank; without one the account earns a lower rate. | ||||||||
| ESavings | 0.50% | $100 | $0 | $15,000 | If balance falls below $100 during the statement cycle a $1 service fee will be assessed., can be waived | not stated | Tiered | |
| Fine print: The published rate applies to balances up to $15,000. Balances above that earn a lower rate. A $3.95 statement service charge applies if the statement verification process is not completed in online or mobile banking within 30 days of opening. | ||||||||
| Savings | 0.25% | $100 | $0 | None | If the balance falls below $200 any time during the quarter a $3 service fee will be assessed., can be waived | not stated | One rate | |
| Fine print: The service fee for falling below the minimum balance is charged per quarter, not per month. If the balance falls below $500 at any time during a quarter, each withdrawal above three in that quarter is charged $0.50. | ||||||||
| Super Money Market | Up to 0.15% | not stated | $25,000 | None | If the balance falls below $10,000 during the statement cycle a $10 service fee will be assessed. | not stated | Tiered | |
| Fine print: No more than three of the six third-party debits allowed each statement period may be by check. Each third-party debit above six is charged $5. | ||||||||
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 |
|---|---|---|---|---|---|
| 3 Month CD | 3 months | 2.01% | $2,500 | not stated | not stated |
| 5 Month CD | 5 months | 3.79% | $500 | not stated | not stated |
| 6 Month CD (Under $10,000) | 6 months | Up to 2.01% | $2,500 | not stated | not stated |
| 6 Month CD ($10,000 or More) | 6 months | 3.56% | $10,000 | not stated | not stated |
| 7 Month CD | 7 months | 4.20% | $500 | not stated | not stated |
| 9 Month CD | 9 months | 3.79% | $500 | not stated | not stated |
| 11 Month CD | 11 months | 4.11% | $500 | not stated | not stated |
| 12 Month CD | 12 months | 3.82% | $500 | not stated | not stated |
| 1 Year Relationship CD | 12 months | 4.04% | $500 | not stated | not stated |
| 15 Month CD | 15 months | 2.01% | $500 | not stated | not stated |
| 18 Month CD | 18 months | 2.01% | $500 | not stated | not stated |
| 18 Month CD (TDOA Variable) | 18 months | 1.00% | $500 | not stated | not stated |
| Fine print: The rate on this certificate is variable and can change during the term. | |||||
| 24 Month CD | 24 months | 2.53% | $500 | not stated | not stated |
| 2 Year Relationship CD | 24 months | 3.79% | $500 | not stated | not stated |
| 30 Month CD | 30 months | 2.79% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 2.79% | $500 | not stated | not stated |
| 3 Year Relationship CD | 36 months | 3.53% | $500 | not stated | not stated |
| 42 Month CD | 42 months | 3.04% | $500 | not stated | not stated |
| 42 Month Relationship CD | 42 months | 3.28% | $500 | not stated | not stated |
| 48 Month CD | 48 months | 3.04% | $500 | not stated | not stated |
| 4 Year Relationship CD | 48 months | 3.28% | $500 | not stated | not stated |
| 50 Month Relationship CD | 50 months | 3.28% | $500 | not stated | not stated |
| 60 Month CD (Under $10,000) | 60 months | Up to 3.28% | $500 | not stated | not stated |
| 60 Month CD ($10,000 and Over) | 60 months | 3.56% | $10,000 | not stated | not stated |
| 5 Year Relationship CD | 60 months | 4.04% | $500 | not stated | not stated |
| 84 Month CD | 84 months | 3.02% | $500 | not stated | not stated |
| 7 Year Relationship CD | 84 months | 4.04% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in IN |
|---|---|
| Footprint | 4 branches in IN |
| Eligibility | not stated |
How LNB Community Bank behaves over time
- 12-month high
- 0.50%
- 12-month low
- 0.10%
- Advertised now
- 0.50%
- At the 12-month high
The advertised ESavings rate, observed through Nov 2, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 23, 2026SavingsRaise:0.05%to0.25%
- Obs. Sep 23, 2026ESavingsRaise:0.10%to0.50%
- Obs. Sep 23, 2026Christmas ClubRaise:0.25%to2.02%
- Obs. Sep 23, 2026Vacation ClubRaise:0.25%to2.02%
- ESavings
- The same as 30 days ago.
- 7 months CD
- The same as 30 days ago.
$10,000 at the 0.50% APY LNB Community Bank advertises on ESavings grows to $10,050 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,688 does today. See how the federal funds rate shapes savings rates.
- ESavings APY
- Banksparency savings index
LNB Community Bank CD rates over time
Who is LNB Community Bank?
| Headquarters | Lynnville, IN |
|---|---|
| Founded | 1907 |
| Scale | $181M assets · $161M deposits, $141M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 4398 |
| Charter state | Indiana · one of 88 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,028th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 26% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What LNB Community Bank pays on deposits above.
Common questions about LNB Community Bank
Is LNB Community Bank FDIC insured?
Yes. LNB Community Bank is FDIC insured under certificate 4398, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at LNB Community Bank?
LNB Community Bank requires a minimum deposit of $100 to open its ESavings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does the 0.50% apply to my whole balance?
The 0.50% applies to balances of $15,000 or less. A larger balance earns 0.40% on the whole amount. Rates are as observed on Nov 2, 2026.
Does LNB Community Bank have branches?
Yes. LNB Community Bank operates 4 branches according to FDIC branch records, in addition to its website and mobile apps.
LNB Community Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| LNB Community Bank | 0.50% | 1.70% | $100 | 4 branches in IN |
| AbbyBank | 0.50% | 1.34% | $0 | 9 branches in WI |
| Adams State Bank | 0.50% | not stated | $25 | 1 branch in NE |
| Bank of Colorado | 0.50% | 1.53% | $200 | 60 branches in AZ, CO, NM |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to LNB Community Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Indiana, nearest to LNB Community Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Indiana, CD rates in Indiana, money market rates in Indiana, and banks in Indiana.