13 Months
$2,500 Minimum
27 Months
$2,500 Minimum
40 Months
$2,500 Minimum


2.78% APY*
15 Months
$50,000 Minimum
2.99% APY*
21 Months
$50,000 Minimum
*Offer good for the initial term only. CD is automatically renewed at the rate being offered at the time of renewal. The 13 month certificate will be renewed into a 12 month certificate. The 27 month certificate will be renewed into a 24 month certificate. The 40 month certificate will be renewed into a 36 month certificate. The 15 month jumbo certificate will be renewed to a 12 month certificate. The 21 month jumbo certificate will be renewed to a 18 month certificate. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily. Penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 8/22/22. Product offering may be withdrawn at any time. No Add-Ons. Minimum deposit required to obtain the Annual Percentage Yield (APY) shown is $2,500. Other terms and conditions may apply. See credit union for details.


Savings Products

Land of Lincoln Credit Union offers a variety of Savings Accounts with competitive rates to help you start saving for your financial goals. Whether you're saving for a new home, new automobile, vacation, home improvement, medical procedures, college...we can help!

Details of each account are as follows:

 Savings Accounts

LLCU offers a variety of Savings Accounts with competitive rates to help you start saving for your financial goals. Details of each account are as follows:

Basic Savings Account* is an interest bearing savings account. A $5 minimum deposit is required to open the account and a $5 minimum balance required to maintain membership.

Custom Savings Account* is an account that allows you to identify and customize the account for whatever you want! Whether it’s a new boat, tax or insurance payments, a wedding, college or more, it’s easy to do and customizable.

Christmas Club Account* is an account that helps you save money year-round for the upcoming Holiday shopping season. This account can be opened without a deposit and there is no minimum balance required. This account is also interest bearing.

Vacation Savings Account* is an account you can open to specifically save funds for a planned or dream vacation. There is no minimum deposit to open and no minimum balance required. This account is also interest bearing.

 Share Certificates/Certificate of Deposit (CD)

Share Certificates* or Certificates of Deposit* (CDs), offer a secure, insured investment alternative at a higher rate of interest than a regular savings account. Several terms, rates and minimum deposits are available, FIND OUR CURRENT RATES AND TERMS HERE.

 Health Savings Accounts (HSAs)

Health Savings Accounts (HSAs) are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis. Contributions to your HSA are tax-deductible and earnings will accrue on a tax deferred basis. Distributions from your HSA are tax-free as long as they are used for qualifying medical expenses. Any balance at the end of the year is carried over the next year.

With an HSA, you are in control. You decide how and when to spend the money within the government guidelines. And since you’re the owner of the account, it will always follow you. Basically, you can use it for any medical expense – dental, vision, prescriptions and even over-the-counter drugs like aspirin. And, with free checks and a debit card, we make it easy for you to pay anywhere!

Visit one of our branches today to learn more about Health Savings Accounts, or for general information on HSAs, visit the U.S. Treasury Department website.

 Making Cents Youth Accounts

Land of Lincoln Credit Union wants to help young members build a strong financial future! With LLCU MAKING CENTS YOUTH PROGRAM, they will have the tools and resources to do so. Our PENNY, NICKEL, and DIME Accounts were developed for different age groups in order to evolve with the changing needs of our youth as they grow older. As our young members transition through the “MAKING CENTS” categories, they will be equipped with resources and tools to make sound financial decisions and plans relevant to their own age level.  For detailed information on our Making Cents Youth Accounts, Visit our Making Cents Youth Accounts.

Student Loan Assistance is offered at LLCU. We can help you or your parents set up a Savings Account or CD with specific intentions toward saving for college. We can also assist you with applying for a Smart Option Student Loan® by Sallie Mae. For more information, visit the Sallie Mae website.

 Savings Bonds

Savings Bonds offer a safe investment for conservative investors. They are fully backed by the U.S. Treasury and are guaranteed to never lose their initial investment. Plus, you don’t pay state or local tax on the interest your bonds earn. LLCU no longer sells U.S. Savings Bonds in their branches, but you get more information on rates or you can purchase savings bonds online.

 Money Market Accounts

Money Market Accounts* are share accounts that have a higher minimum balance requirement and pay a higher rate of dividend. There are three levels of deposits and dividends as follows:

• Level 1: $2,500 to $9,999

• Level 2: $10,000 to $24,999

• Level 3: $25,000+

In addition, Money Market Accounts:

• Require a minimum balance of $2,500.

• Accounts have a minimum deposit and withdrawal requirement of $100.

• Accounts have a limit of 6 withdrawal or transfers per month.*

• Only (3) of (6) withdrawals are allowed by check.*

View current Money Market Account rates

*NCUA and ESI Insured. Federal Law limits six (6) preauthorized transactions per month and three (3) may be payable to a third party. Excess withdrawals are subject to a fee of $20 each or account closing.

 IRA Products

Individual Retirement Account (IRA) is an excellent tool for retirement savings. Unlike most investments, depending on the type of IRA you choose, contributions may be tax deductible and will grow either tax-deferred or tax-free. LLCU offers both Traditional IRAs and Roth IRAs.

Traditional IRAs are held by custodians, such as commercial banks and retail brokers, and investors can place IRA funds into stocks, bonds, funds, and other financial assets deemed fit by the custodian. Assets, such as real estate come with heavy restrictions from the IRS, and may be taxed differently. When the individual begins to receive distributions from a Traditional IRA, the income is treated as ordinary income and may be subjected to income tax. This differs from the Roth IRA, which can offer tax-free distributions. For people over the age of 50, higher annual contribution limits may apply if the IRA has been recently created or under-funded in previous tax years. Distributions are required to come out of the account by the time the owner reaches age 70.5 years.

Roth IRA is an IRA that, except as explained below, is subject to the rules that apply to a Traditional IRA. A qualified distribution is one that is taken at least five years after the taxpayer establishes his or her first Roth IRA and when he or she is age 59.5 years, disables, using the withdrawal to purchase a first home (limit $10,000), or deceased (in which case the beneficiary collects). Since qualified distributions from a Roth IRA are always tax free, some argue that a Roth IRA may be more advantageous than a Traditional IRA.

Contact an LLCU Loan Officer or IRA Representative for more information on the benefits of a credit union IRA. Get more general information on IRAs on the IRS website.

*All savings accounts are insured to $500,000 and all IRAs are insured up to $500,000. That is a combined total of $1,000,000 if both types of accounts are maintained at Land of Lincoln Credit Union. This insurance is provided through NCUA (National Credit Union Administration), an agency of the Federal Government, and through ESI (Excess Share Insurance), a wholly owned subsidiary of American Share Insurance and is provided absolutely free by this credit union.