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Savings and Money Market Rates

Savings Account Rates

Account Type

Minimum Deposit to
Open an Account ($)

Minimum Balance to
Obtain APY ($)

Interest
Rate %

Annual Percentage
Yield (%)

 Premier Access

 Savings*1,2

$50 

 $0.01

 .01

.011

 Tier 1

 -

 $0.01

1.14 

 1.152

 Tier 2

 -

 $250,000

1.24

1.252 

Youth Savings*3,4

$50

$0.01 

 .25

 .253

 Tier 1

 -

 $0.01

1.00 

1.00

 Tier 2

 -

 $18,000

 .50

.504 

Passbook Savings*

$25

$50

 .15

.15

Statement Savings*

$25

$50

 .15

.15

Premium Business Savings*5,6

$100 

 $0.01

  .01 

.015 

 Tier 1

 -

 $0.01

 1.00

 1.006

 Tier 2

 -

 $100,000

 1.14

 1.156

 Tier 3

 -

 $250,000

 1.25

 1.256

Vacations Club*

$10

$10

 .35

.35

Holiday Club*

$10

$10

 .35

.35

 

Money Market Deposit Account Rates

Account Type

Minimum Deposit to
Open an Account ($)

Minimum Balance to
Obtain APY ($)

Interest
Rate %

Annual Percentage
Yield (%)

Money Market*                   Tier 1

$1,000

$1,000

.20

.20

                                            Tier 2

-

$25,000

.25

.25

                         Tier 3

-

$50,000

.30

.30

                         Tier 4

-

$75,000

.35

.35

                         Tier 5

-

$100,000

.45

.45

                         Tier 6

 -

 $250,000

 .75

 .75

                         Tier 7

 -

 $500,000

 .85

 .85

                         Tier 8

 -

 $1,000,000

  .95 

 .95

Effective Date: 04/26/17

* Rate may change after account is opened; fees could reduce the earnings on the account

1 Disclosed APY will apply to entire balance if you do not meet the eligibility requirements during the statement cycle listed below in footnote #2.

2 Disclosed APY applies to balance tiers when eligibility requirements are met in a given statement cycle. APY of 1.15% applies to balances of $.01 to $249,999.99, APY of 1.25% applies to balances of $250,000 and above. To meet the eligibility requirements, you must maintain a Lincoln 1st Access Checking account with one (1) or more direct deposits totaling $500 or more in a given statement cycle. The premium rate APY will be applied for the month(s) following any month in which you met these eligibility requirements.

3 Disclosed APY will apply to the entire balance if you do not meet the eligibility requirements referenced in footnote #4.

4 Disclosed APY will apply to balance tiers when eligibility requirements are met in a given statement cycle. APY of 1.00% applies to balances of $0.01 to $17,999.99, APY of .50% applies to balances $18,000 and above. To meet the eligibility requirements, the mother, father, or guardian of the child must maintain a Lincoln 1st Loyalty or Access Checking account. The premium rate will apply for any day during the statement cycle in which the eligibility requirements were met.

5 Disclosed APY will apply to entire balance if you do not meet the eligibility requirements during the statement cycle listed below in footnote #6

6 Disclosed APY will apply to balance tiers when eligibility requirements are met in a given statement cycle. To meet the eligibility requirements, you must also open and maintain a Premium Business Checking account. The premium rate will apply for any day during the statement cycle in which the eligibility requirements were met. The interest rate listed in each tier will be paid on the entire balance in your account.

FDIC Insured up to $250,000. All Interest Rates Subject to Change Without Notice.