Certificates of Deposit

You don't need some crazy, complicated plan to grow your savings. It's actually pretty simple.

MoneyMarketSavings
0.30
March 9, 2015
MoneyMarketPlus
0.45
July 3, 2017
BusinessSavings
0.05
August 14, 2017
BusinessMoneyMarketSavings
0.20
August 14, 2017
HolidaySavings
0.05
September 14, 2013
MinorPrimarySavings
0.05
September 14, 2013
EasyChecking
0.00
November 1, 2014
MoneyMarketChecking
0.05
November 1, 2014
BasicBusinessChecking
0.00
August 14, 2017
PremierBusinessChecking
0.00
August 14, 2017
BusinessInterestChecking
0.05
August 14, 2017
CD
2.27
January 24, 2018
AspireCD
1.00
August 14, 2017
SaveToWin
0.55
August 14, 2017
IRACD
2.27
January 24, 2018
BusinessCD
2.27
January 24, 2018
AutoLoan
3.49
November 14, 2016
AutoSaver
3.49
Motorcycle
3.49
November 14, 2016
LargeBoatRV
5.44
January 5, 2018
PowerSports
6.20
January 18, 2016
HELOC
4.50
January 1, 2018
FixedHomeEquityLoan
4.75
January 22, 2018
SecuredPersonalLoan
Maximum Tier Dividend rate on Share account or CD rate plus 2.50% (FLOOR RATE = 4.00
March 14, 2016
PersonalLineOfCredit
16.00
December 22, 2012
UnsecuredSignatureLoan
7.90
March 14, 2017
K12TuitionLoan
6.90
January 11, 2017
CollegeLoan
6.75
PlatinumElite
9.40
August 1, 2017
PlatinumEliteRewards
11.40
August 1, 2017
PlatinumEliteCashBack
11.40
August 1, 2017
SecuredClassic
11.00
August 1, 2017
BusinessVisa
10.90
August 14, 2017
BT_PlatinumElite
12.40
BT_PlatinumEliteRewards
14.40
BT_PlatinumEliteCashBack
14.40
BT_SecuredClassic
14.00
BT_BusinessVisa
10.90
StudentLoansGraduateBusiness
5.25
StudentRefinanceConsolidation
??
PrimarySavings
0.05
September 14, 2013
CreditCardPage
August 1, 2017
SavingsAccountsPage
July 3, 2017
CheckingAccountsPage
November 1, 2014
CDsPage
August 14, 2017
VehicleLoansPage
November 14, 2016
PersonalLoansPage
March 14, 2017
StudentLoansPage
January 11, 2016
HomeLoansPage
September 4, 2017
UniversalEffectiveDate
April 16, 2018
UniversalBusinessEffectiveDate
April 2, 2018
IRACDPLUS
2.00
CDPLUS
2.00
GraduateLoan
5.00
55%

CD Plus

This awesome CD won't be around for long, so give your savings a boost at a term that works for you.

Interest
Up to IRACDPLUS APY1
Minimum to open
$500.00
Add Account More Details

Term: 18-month or 30-month

No monthly service fee

18-month CD Plus converts to a 12-month regular CD upon maturity

30-month CD Plus converts to a 24-month regular CD upon maturity

Early closing penalty

  • 180 days interest penalty

Minimum withdrawal amount: $500 

Automatic renewal

Interest rate varies by term

IRA CD Plus

Save a little more in a short amount of time with this limited-time CD. Choose from a Traditional or Roth IRA CD Plus.

Interest
Up to CDPLUS APY1
Minimum to open
$500.00
Find a Branch More Details

Term: 18-month or 30-month term

No monthly service fee

Maximum annual contribution: $5,500

Penalty for withdrawals before age 59 ½

  • 180 days interest penalty 

Mandatory distribution at age 70 ½ 

18-month IRA CD Plus converts to a 12-month regular IRA CD upon maturity

30-month IRA CD Plus converts to a 24-month regular IRA CD upon maturity

Automatic renewal

Interest rate varies by term

84%

Certificate of Deposit

Set a little money aside and forget about it. It'll look even better when you see it again.

Interest
Up to CD APY1
Minimum to open
$500.00
Add Account More Details

Term: 3-72 months

No monthly service fee

Deposits allowed during maturity and 10-day grace period

No ATM/Debit Card

Early closing penalty

  • 90 days interest penalty for 3-23 month CDs
  • 180 days interest penalty for 24-72 month CDs

Automatic renewal

Tiered interest rate based on balance

Aspire CD

Saving money is tough to do alone. Set a savings goal and we'll help you out along the way.

Interest
AspireCD APY1
Minimum to open
$50.00
Add Account More Details

Term: 24 months

No monthly service fee

Maximum balance $10,000

Additional deposits allowed of $10 or more

Early closing penalty

  • 180 days interest penalty

Automatic renewal

46%

Save To Win

Every $25 deposit (up to 10/month) gives you a chance to win a quarterly or monthly cash prize. 

Interest
SaveToWin APY1
Minimum to open
$25.00
Find a Branch More Details

Term: 12 months

No monthly service fee

Additional deposits allowed

Early closing penalty

  • $25 fee

One withdrawal allowed per term; $25 fee

No maximum balance or deposit amount

No maximum or minimum withdrawal

Automatic renewal

Contest Rules

Save to Win official website2

 IRA CD

Go the Traditional route or do something a little different with a Roth IRA CD.

Interest
Up to IRACD APY1
Minimum to open
$500.00
Find a Branch More Details

Term: 3-72 months

No monthly service fee

Maximum annual contribution: $5,500

Penalty for withdrawals before age 59 ½

  • 90 days interest penalty for 3-23 month CDs
  • 180 days interest penalty for 24-72 month CDs

Mandatory distribution at age 70 ½

Additional deposits allowed at maturity & during 10-day grace period

Automatic transfers allowed

Tiered interest rate based on balance

1APY = Annual Percentage Yield. Rates as of UniversalEffectiveDate and are subject to change

2Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.
 

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