Certificates of Deposit

You don't need some crazy, complicated plan to grow your savings. It's actually pretty simple.

84%

Certificate of Deposit

Set a little money aside and forget about it. It'll look even better when you see it again.

Interest
Up to CD APY1
Minimum to open
$500.00
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Term: 3-72 months

No monthly service fee

Deposits allowed during maturity and 10-day grace period

No ATM/Debit Card

Early closing penalty

  • 90 days interest penalty for 3-23 month CDs
  • 180 days interest penalty for 24-72 month CDs

Automatic renewal

Tiered interest rate based on balance

Aspire CD

Saving money is tough to do alone. Set a savings goal and we'll help you out along the way.

Interest
AspireCD APY1
Minimum to open
$50.00
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Term: 24 months

No monthly service fee

Maximum balance $10,000

Additional deposits allowed of $10 or more

Early closing penalty

  • 180 days interest penalty

Automatic renewal

46%

Save To Win

Every $25 deposit (up to 10/month) gives you a chance to win a quarterly or monthly cash prize. 

Interest
SaveToWin APY1
Minimum to open
$25.00
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Term: 12 months

No monthly service fee

Additional deposits allowed

Early closing penalty

  • $25 fee

One withdrawal allowed per term; $25 fee

No maximum balance or deposit amount

No maximum or minimum withdrawal

Automatic renewal

Contest Rules

Save to Win official website2

 IRA CD

Go the Traditional route or do something a little different with a Roth IRA CD.

Interest
Up to IRACD APY1
Minimum to open
$500.00
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Term: 3-72 months

No monthly service fee

Maximum annual contribution: $5,500

Penalty for withdrawals before age 59 ½

  • 90 days interest penalty for 3-23 month CDs
  • 180 days interest penalty for 24-72 month CDs

Mandatory distribution at age 70 ½

Additional deposits allowed at maturity & during 10-day grace period

Automatic transfers allowed

Tiered interest rate based on balance

55%

CD Plus

This awesome CD won’t be around for long! Enjoy the flexibility to pick a term based on your goals and give your savings a boost at the same time.

Interest
Up to CDPlus APY1
Minimum to open
$500.00
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Term: 15-months or 25-months

The 15-month CD Plus converts to a 12-month regular CD upon maturity

The 25-month CD Plus converts to a 24-month regular CD upon maturity

No monthly service fee

Early closing penalty

  • 90 days interest penalty for 15-month CD Plus
  • 180 days interest penalty for 25-month CD Plus

Automatic renewal

 

 

IRA CD Plus

Save a little more with this limited-time CD. Choose from a Traditional or Roth IRA CD Plus. Then decide which term aligns with your savings goal.

Interest
Up to IRACDPlus APY1
Minimum to open
$500.00
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Term: 15-months or 25-months

The 15-month IRA CD Plus converts to a 12-month regular CD upon

The 25-month IRA CD Plus converts to a 24-month regular CD upon maturity

No monthly service fee

Early closing penalty

  • 90 days interest penalty for 15-month IRA CD Plus
  • 180 days interest penalty for 25-month IRA CD Plus

Automatic renewal

1APY = Annual Percentage Yield. Rates as of UniversalEffectiveDate and are subject to change

2Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.