Bank · FDIC insured
Lincoln Savings Bank CD Rates
Lincoln Savings Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Lincoln Savings Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Lincoln Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Lincoln Savings Bank
4.00%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $502
Certificate of Deposit (CD)
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Lincoln Savings Bank CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.30%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lincoln Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.00%APY · 6 terms
Public funds are not eligible. Minimum deposit of $2,500 to open. Daily balance method applies. If term is greater than 6 months, interest compounds and credits quarterly; for 6 months or less, interest compounds and credits at maturity. Early withdrawal penalty applies (equal to 365 days of interest). Renews automatically for a term of 12 months at a new rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPublic funds are not eligible. Interest is compounded and credited at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies | 3.55% | $176 |
| 9 monthsPublic funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies | 3.55% | $265 |
| 12 monthsPublic funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies | 3.60% | $360 |
| 15 monthsPublic funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies | 4.00% | $502 |
| 18 monthsPublic funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies | 3.30% | $499 |
| 24 monthsPublic funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies | 3.30% | $671 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.