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Personal Savings

Savings Account Comparison


Details Money Market Regular Savings Christmas Club
Minimum Amount to Open $100 $100 $10
Monthly Maintenance Fee $10 $3 $0
Monthly Maintenance Fee Waived If... Your Minimum Daily Balance is $1,000 or more
 Your Minimum Daily Balance is $200 or more, or you are under the age of 18. —
Per Debit Item Fee $1 Per Debit Item after 6 debits per month. $1 Per Debit Item after 3 debits per month. —
Per Debit Item Fee Waived If... — You are under the age of 18 —
Minimum Balance to Earn Interest1 $1,000 Minimum Daily Collected Balance $100 Minimum Daily Collected Balance —
Transaction Limitations — — Annual disbursement of funds.  No other withdrawals permitted.
¹For current rate and annual percentage yield, please contact a customer service representative.
A Money Market Account is an easy way to save money while still enjoying access to your funds whenever the need arises.

Details Amount
Minimum Amount to Open $100
Maintenance Fee $10 per month (waived if your Minimum Daily Balance is $1,000 or more)
Debit Item Fee $1 per debit item after 6 per month
Minimum Balance to Earn Interest $1,000 Minimum Daily Collected Balance
For current rate and annual percentage yield, please contact a customer service representative.
Save for a special purchase, vacation or a rainy day.  A Youth Waiver of Fees makes the account free for those under 18.

Details Amount
Minimum Amount to Open $100
Maintenance Fee $3 per month (waived if your Minimum Daily Balance is $200 or more, or you are under the age of 18)
Debit Item Fee $1 per debit item after 3 per month (waived if you are under the age of 18).
Minimum Balance to Earn Interest $100 Minimum Daily Collected Balance
For current rate and annual percentage yield, please contact a customer service representative.
With a Christmas Club Account, you can save money year-round by making deposits throughout the year. Receive your funds and use them for holiday shopping, entertaining or travel expenses!  Annual disbursement of funds made by check or deposit to another LCSB account.

Details Amount
Minimum Amount to Open $10
Monthly Service Charge $0
Receive a guaranteed return on your investment with the security of FDIC insurance on up to $250,000 of deposits.  We offer a wide range of maturities so you can choose the Certificate of Deposit that works for you.  

Features:
  • Competitive rates
  • Low opening deposit
  • Fixed and variable rate options
  • Variable rate certificates allow additional deposit
Details Amount
Minimum Amount to Open $500
Minimum Balance to Earn Interest $0
Penalties may be imposed for early withdrawal.
Save for retirement with a Traditional or Roth IRA.

Traditional IRA Features
  • Allows you to contribute before-tax dollars
  • Contributions may be tax deductible
  • Earnings grow tax-deferred until withdrawn
  • IRS penalties may be assessed on withdrawals prior to age 59½
  • Minimum distributions are required at age 72
  • Fixed and variable rate options available
Roth IRA Features
  • Allows you to contribute after-tax dollars
  • Contributions are not tax deductible
  • Earnings grow tax-deferred
  • Earnings may be withdrawn tax-free if the Roth IRA is at least 5 years old and you're at least 59½
  • No minimum required distributions
  • Fixed and variable rate options available

Details Amount
Minimum Amount to Open $500 for all IRAs except Easy Start IRA; $25 for Easy Start IRA
Minimum Balance to Earn Interest $0
Penalties may be imposed for early withdrawal.






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Loan options for all of life’s milestones.


Buying a home, purchasing a car, consolidating debt, tackling unexpected expenses, or whatever life throws your way.