LGE is closed Monday, October 13 in observance of Columbus Day.
Turn time into money. A certificate allows you to earn a higher dividend rate in return for leaving your funds on deposit for a specified period of time.
4.00% APY1
30 Month‡
3.50% APY
33 Month Bump-Rate**
3.75% APY
55 Month Bump-Rate**
‡Offer valid 08/15/2025 – 12/31/2025. New membership required. Must be opened at an LGE Branch. Minimum deposit $1,000. Rate effective as of 9/12/2025. Fees may reduce earnings and early withdrawals penalties may apply. Terms and conditions subject to change without notice. Membership eligibility required. Federally insured by NCUA.
**Offer valid 08/15/2025 – 12/31/2025. New membership required. Must be opened at an LGE Branch. Limited to 1 rate increase during the term. Minimum deposit $1,000. Rate effective as of 9/12/2025. Fees may reduce earnings and early withdrawals penalties may apply. Terms and conditions subject to change without notice. Membership eligibility required. Federally insured by NCUA.
Once you choose a certificate, you will earn the same rate throughout the term of the deposit. And you can rest easy knowing that your funds are federally insured, up to $250,000.
LGE CDs feature:
Have funds idling in an IRA? Time is on your side - combine the tax advantages of an IRA with the earning power of a CD.*
IRA certificates work just like standard certificates, but they live inside your IRA to boost your savings while you wait for withdrawal.
*Please consult your tax advisor regarding tax benefits and deductions.
Bump-rate CDs allow you to "bump" your rate one time during the term of your certificate. If rates increase during the term of your CD, you have the power to earn even more.
Bump-rate certificates are available in a 33-month or 55-month term. They cannot be used as IRA certificates and cannot be used as collateral on a Certificate Secured Loan.
If you’re looking for a smart way to grow your savings, CD laddering could be the perfect solution. It’s a simple strategy that helps you earn more interest while giving you regular access to your funds.
CD laddering involves spreading your savings across multiple CDs with different maturity dates. This way, instead of locking all your money into one long-term CD, you have staggered access to your funds over time.
First, decide how much money you want to invest in CDs. This will help you plan the laddering strategy effectively.
Next, choose your CD terms. A common approach is to choose CDs with staggered maturities. For example, a 3-year ladder might consist of a 12-month CD, a 24-month CD, and a 36-month CD. As each CD matures, you reinvest the money into a new 36-month CD, keeping the ladder going. Over time, you’ll have regular access to a portion of your savings, while still earning higher interest from longer-term CDs.
Finally, continue to monitor and adjust. Keep an eye on interest rates and your financial goals. Adjust your CD laddering strategy as needed to maximize your returns and meet your financial objectives.
4.00% APY1
30 Month‡
3.50% APY
33 Month Bump-Rate**
3.75% APY
55 Month Bump-Rate**
‡Offer valid 08/15/2025 – 12/31/2025. New membership required. Must be opened at an LGE Branch. Minimum deposit $1,000. Rate effective as of 9/12/2025. Fees may reduce earnings and early withdrawals penalties may apply. Terms and conditions subject to change without notice. Membership eligibility required. Federally insured by NCUA.
**Offer valid 08/15/2025 – 12/31/2025. New membership required. Must be opened at an LGE Branch. Limited to 1 rate increase during the term. Minimum deposit $1,000. Rate effective as of 9/12/2025. Fees may reduce earnings and early withdrawals penalties may apply. Terms and conditions subject to change without notice. Membership eligibility required. Federally insured by NCUA.
Ready to open your certificate of deposit?
Schedule an in-person appointment , give us a call at 770-424-0060 or visit your nearest LGE location.
Want to "bump" your existing bump certificate?
Give us a call at 770-424-0060 or visit your nearest LGE location.
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