Certificates of Deposit (CDs)

Leighton State Bank offers a variety of CDs, all with a $500 minimum balance requirement. Maturity terms vary from 3 months to five years. Because CDs are FDIC insured, you can enjoy the security of a savings account but earn the higher interest associated with an investment.

We currently offer a Step CD in either three- or four-year terms. If interest rates go up, you can earn higher interest, too! You are eligible to step up your rate once during the CD term, any time after the initial 12 months.

Contact us or stop by your local branch to discuss.

Individual Retirement Accounts (IRAs)

IRAs allow you to accumulate funds for retirement. Your retirement goals are important to us, and we offer several types of accounts that can help you reach them. It’s our way of listening to your needs and tailoring the account to what you’re looking for.

Leighton State Bank offers the following types of IRAs:

Traditional: Contributions are tax-deferred until withdrawal. Contributions may be tax deductible, depending on annual income. Take advantage of the flex IRA option (below), which allows you to make smaller contributions on a regular basis.

Roth: Made with after-tax funds. You can continue to make contributions after reaching age 70 ½ if you still have earned income, and this option grows tax-free.

Flex: Gives you more flexibility. You can choose the term and date of contribution (weekly, monthly, quarterly or semi-annually), and you decide if it will be taxed now or tax-deferred.

Simplified Employee Pension (SEP): Any employer—including sole proprietor, partnership or corporation—can establish a SEP for employees. Contributions are tax-deferred until withdrawal, are tax-deductible by the employer and are not included in the employee’s income for the year.

Contact us or stop by your local branch to discuss IRAs.

Health Savings Accounts (HSAs)

HSAs are used to save money for future medical expenses. HSAs are similar to a personal savings account, but the money is used specifically to pay for healthcare expenses. You make contributions (or deposits) into your HSA, then make distributions (or withdrawals) when you need to pay for qualified medical expenses.

Benefits include tax advantages, you or your employer may make contributions, balances roll year-over-year and earn tax-free interest plus it can be controlled by an individual or family.

Contact us or stop by your local branch to discuss HSAs, or click here for more information.


Term Interest Rate APY* Interest Paid

CD Rate Specials

9 Month 4.78% 4.85% Semi-Annually
19 Month 4.69% 4.75% Semi-Annually
29 Month 4.20% 4.25% Semi-Annually

Certificates of Deposits (CDs)

3 Month 1.70% 1.71% At Maturity
6 Month 1.80% 1.81% Semi-Annually
1 Year 2.20% 2.21% Semi-Annually
18 Month 2.25% 2.26% Semi-Annually
2 Year 2.30% 2.31% Semi-Annually
30 Month 2.30% 2.31% Semi-Annually
3 Year Step 2.35% 2.37% Quarterly
4 Year Step 2.45% 2.47% Quarterly
5 Year 2.50% 2.52% Semi-Annually

* Annual Percentage Yield (APY)
Rates effective 7/31/2023 and subject to change
$500 minimum balance for CDs
Early withdrawal penalties may apply.  Fees, if any, may reduce earnings.
All deposits are FDIC insured to applicable deposit insurance limit.

Get in Touch

Get in Touch

NON-SECURE EMAIL DISCLOSURE: Information provided through this email address is not secure; privacy is limited. You can email us general questions, comments or requests for information. Do not send account numbers, account service requests (e.g. stop payment) or other private financial or personal information in your email. Our security policy does not permit us to send you an email response containing any private financial or personal data. Please direct all confidential inquiries to Leighton State Bank by phone, mail or by visiting one of our locations.
This field is for validation purposes and should be left unchanged.