Certificates

L&N Credit Union Offers Certificates with a variety of terms.

 

Regular

  • Terms available in 6 months, 18 months, 1, 2, 3, 4, & 5 year.
  • Rates offered can vary from week to week.
  • Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity).

Easy Save

  • Available in 1 year term.
  • Dividends are earned daily and posted quarterly.
  • Allows deposits to the certificate whenever desired, during the term.
  • Great for establishing good savings habits.

IRA

  • An IRA Certificate can be opened with any of the terms offered on our traditional certificate
  • Ranges include 6 months, 18 months, 1,2,3,4,& 5 years.
  • Tax deductions – Based on individual eligibility, may be able to deduct part or all of your annual contribution on your income tax return. We recommend that you consult with your tax advisor for individual eligibility.
  • Tax deferral – Pay no federal taxes on earnings until you take withdrawals.
  • Dividends are earned daily and posted quarterly (with the exception of the 6-month IRA certificates, where dividends are posted at maturity).

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