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CD and IRA Terms & Rates

Certificate of Deposit Terms and Rates

Account Type

Minimum Deposit to
Open an Account ($)

Minimum Balance to
Obtain APY ($)

Interest
Rate %

Annual Percentage
Yield (%)

91 Day CD*

$500

$500

.35

.35

182 Day CD*

$500

$500

.50

.50

7 Month CD*

$5,000

$5,000

.60

.60

1 Year CD*

$500

$500

1.00

1.00

13 Month CD*

$5,000

$5,000

1.09

1.10

18 Month CD*

$5,000

$5,000

1.64

1.65**

2 Year CD*

$500

$500

1.19

1.20

2.5 Year CD*

$1,000

$1,000

1.24

1.25

4 Year CD*

$500

$500

1.64

1.65

5 year CD*

$500

$500

1.98

2.00

Effective Date: 12/29/16

FDIC Insured up to $250,000

*A penalty may be imposed for early withdrawal. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

**Variable Rate CD. Disclosed APY requires that you maintain a Lincoln 1st Bank Access Checking account with one (1) or more direct deposits totaling $500.00 or more during the month. The disclosed APY will be applied for the month(s) following any month in which these conditions are met. The disclosed APY will be reduced by 0.50% for any month(s) in which these conditions were not met during the preceding month.

All Interest Rates Subject To Change Without Notice

IRA Terms and Rates

Account Type

Minimum Deposit to
Open an Account ($)

Minimum Balance to
Obtain APY ($)

Interest
Rate %

Annual Percentage
Yield (%)

91 Day IRA*

$500

$500

.35

.35

182 Day IRA*

$500

$500

.50

.50

1 Year IRA*

$500

$500

1.00

1.00

2 Year IRA*

$500

$500

1.19

1.20

2.5 Year IRA*

$500

$500

1.24

1.25

4 Year IRA*

$500

$500

1.64

1.65

5 Year IRA*

$500

$500

1.98

2.00

Effective Date: 12/29/16

FDIC Insured up to $250,000

The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce the earnings.

*A penalty may be imposed for early withdrawal. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

All Interest Rates Subject to Change Without Notice