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For the Tomorrow You Want.

Maximize your earning potential with LBS Financial. Open an IRA or Share Certificate.

Check out our IRA Certificate Rates

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Starting Small

Saving for retirement isn’t about big chunks of change, it’s about consistency and starting early. Open an IRA Share account today with only $5*. Then, you can open an IRA Certificate with just $100. Our IRA Certificates have great rates, and may come with significant tax advantages. Plus, your IRA Certificates are insured separately to at least $250,000.

 

Open an IRA Certificate

Check out our Share Certificate Rates

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A Variety of Terms

We offer our Share Certificates at terms between 3 and 60 months, with competitive return rates at every level. You’ll be able to easily find a term that’s right for your financial plan.

Open a Share Certificate

4.50% APY** – 5 Month Promotional Certificate

4.30% APY** – 10 Month Promotional Certificate

  • Exceptional rates
  • Limited time offers
  • $1,000 minimum to open
  • No maximum deposit amount
  • At maturity (if funds not withdrawn), the 5 Month Certificate rolls into a 6 Month Certificate, and the 10 Month Certificate rolls into a 12 Month Certificate.

Open your Certificate today by logging in to Online Banking and opening a sub-account, calling us at 800.527.3328 or visiting any branch location. Skip the line and make an appointment at a branch!

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FAQs

$100.

No, once you open the IRA Share Certificate, you cannot add on to it.

You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.

The routing number and transit number for LBS Financial is 322276855.

If the term of the account is three (3) months or less, the penalty is equal to thirty (30) days of dividends.

If the term of the account is less than one (1) year, but longer than three (3) months, the penalty is equal to ninety (90) days of dividends.

If the term of the account is one (1) year or greater, the penalty is the amount equal to one hundred and eighty (180) days dividends.

If the amount withdrawn reduces the principal amount below the stated minimum, we will cancel your Share Certificate and the penalty will apply to the entire balance in the certificate account. The remaining funds will be transferred to your Share Savings account.

The best way to earn the most while always freeing up some of your funds is through Certificate Laddering. Laddering is a strategy that lets you take advantage of higher dividend rates and keep your money more readily accessible.

Say you have $10,000 to invest in Share Certificates. Put $2,500 each into Share Certificates that mature in 6, 12, 18 and 24 months. Six months later, your first Share Certificate matures, yielding you $2,500 plus dividends earned. If you need the money, you cash in. If you don't, you reinvest in a new 24 Month Share Certificate at a higher dividend rate.

At 12 months, another Share Certificate matures. Again, if you don't need the money, you reinvest in a new 24 Month Share Certificate.

By the end of 24 months, all your money is earning at the 24 month rate. Yet a Share Certificate matures each 6 months, so you can tap into the cash if you need it. If you prefer to tie up your money for longer time spans, you could invest in one, two, three, and five year Share Certificates.

You can check your balance 24/7 days week by using our automated phone banking, HomeTeller. You can also speak to one of our representatives during normal business hours.

The routing number and transit number for LBS Financial is 322276855.

Disclosures

*Must open an additional Credit Union Share account (IRA Share) with $5 prior to opening an IRA Certificate

**APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate for the 5 Month Promotional Certificate is 4.40% and the 10 Month Promotional Certificate is 4.21%. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings. $1,000 minimum opening amount with no maximum deposit amount. If funds are not withdrawn at maturity, the 5 Month Certificate rolls into a 6 Month Certificate, and the 10 Month Certificates roll into a 12 Month Certificate.

Rates are subject to change without notice. Promotional Certificates may be discontinued at any time.