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Deposit Accounts

Peace of mind.

Lincoln Federal Savings Bank offers a wide variety of FDIC insured deposit products to fit your personal needs.

Money

Lincoln Federal is a depositor-owned, community-based financial institution, therefore we do not generally accept deposits from sources outside of our immediate trade areas. View Rates

Checking Accounts
SMART
CHECKING
ACCOUNT
  • $500 minimum to open
  • NO minimum balance required
  • First order of Lincoln Federal "Image" checks FREE
  • FREE bank checks, direct deposit, overdraft protection, and notary service
  • UNLIMITED deposits, withdrawals, and check writing with no per check fees
THRIFTY FIFTY
CHECKING
ACCOUNT
  • $100 minimum to open
  • NO minimum balance required
  • Designed specifically for our customer 50 or older
  • FREE "Thrifty Fifty" or Lincoln Federal "Image" checks
  • FREE bank checks, direct deposit, overdraft protection, and notary service
  • UNLIMITED deposits, withdrawals, and check writing with no per check fees
MONEY MARKET
ACCOUNT
  • $1,000 minimum to open
  • $1,000 minimum balance or $5 monthly service charge
  • Write 6 checks per month FREE
NOW
ACCOUNT
  • $100 minimum to open
  • $100 minimum balance or $5 monthly service charge
  • UNLIMITED deposits, withdrawals, and check writing with no per check fees
Savings Accounts
SMART
SAVINGS
ACCOUNT
  • $1,000 minimum to open
  • $1,000 minimum balance or $10.00 monthly service charge
  • GREAT rates on tiered deposit balances and interest credited monthly
  • Monthly statements
SAVINGS
ACCOUNT
  • $10.00 minimum to open
  • NO minimum balance required
  • Interest credited quarterly
  • Quarterly statements
KIDZ KLUB
SAVINGS
ACCOUNT
  • $10.00 minimum to open
  • NO minimum balance required
  • Designed specifically for our customers 12 or younger
  • Interest credited quarterly
  • Quarterly statements
  • FREE prizes, games, drawings, and more!
CERTIFICATE
OF
DEPOSIT
  • Variety of terms available
  • $100 minimum to open
  • Interest compounds annually or at maturity
  • Accrued interest available for withdrawal at any time
Health Savings Account (HSA)
HEALTH
SAVINGS
ACCOUNT (HSA)
  • LOW $100.00 Minimum Opening Balance
  • Minimum $10.00 contributions may be made at any time
  • Contributions are tax deductible
  • “Catch-Up” contributions for individuals who have attained age 55
  • Tax-free earnings
  • Tax-free withdrawals for qualified medical expenses
  • Consult your tax advisor
INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
IRA
SAVINGS
  • LOW $100.00 minimum contribution
  • Minimum $25 contributions may be made at any time
  • Traditional, Roth, SEP, Simple IRAs and Coverdell Education Savings available
  • “Catch-Up” contributions for individuals who have attained age 50
  • Consult your tax adviser
IRA
CERTIFICATE
OF
DEPOSIT
  • LOW $100.00 minimum to open
  • Traditional, Roth, SEP, Simple IRAs and Coverdell Education Savings available
  • Variety of terms available
  • “Catch-Up” contributions for individuals who have attained age 50
  • Consult your tax adviser