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💸 CD Specials as high as 4.30% APY*. Open Online in Minutes.
Rates and full details.
Earn as much as
3.80% APY*
Minimum Deposit $2,000
Earn as much as
3.95% APY*
Minimum Deposit $100,000
A smart, secure way to build savings
Whether you're saving for a future purchase, building your nest egg or putting excess cash to work, our Certificates of Deposit can help your money work harder for you. With competitive rates, straightforward terms, and local support when you need it, getting started is simple.
Why Choose a Certificate of Deposit?
Guaranteed Fixed Rate
Lock in your rate for the full 17-month term, regardless of market changes.
Predictable Growth
Know exactly how your money will grow and what you'll earn at maturity.
Low-Risk Savings Option
CDs provide a stable alternative for funds you don't need immediate access to.
Higher Earning Potential
Earn more than many traditional savings accounts while avoiding market volatility.
Take advantage of our 17-Month CD Special
Looking for a different term? Start here.
Effective Date: September 18, 2026
| Term | Deposit Amount | Interest Rate | APY* |
|---|---|---|---|
| 6 Month | $2,000 to $99,999.99 $100,000 and above |
4.00% 4.15% |
4.04% 4.19% |
| 12 Month | $2,000 to $99,999.99 $100,000 and above |
4.05% 4.20% |
4.09% 4.24% |
| 17 Month | $2,000 to $99,999.99 $100,000 and above |
4.11% 4.25% |
4.15% 4.30% |
Banking built on relationships
For generations, Luana Savings Bank has helped individuals, families and businesses achieve their financial goals. When you open a CD with us, you're choosing more than a great rate. You're choosing a trusted community banking partner committed to helping you succeed.
Frequently Asked Questions
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