Luana Savings Bank CD Rates — October 2026
As of October 23, 2026, Luana Savings Bank's highest tracked CD rate is 4.55% APY on a 36-month CD ($100,000 minimum). That is 3.3 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.80% to 4.55% APY.
Tracking began .
Luana Savings Bank CD rates
Personal CDs include balance tiers, step-up, online-only specials and a KIDS CD for customers age 18 or younger. Opening minimums, online availability and add-on conditions vary by product. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $100,000 | 3.96%Free rate alert | −0.30% | Top 7% of tracked 3-month CDs · Verified October 23, 2026 |
| 3 months | Certificate of Deposit | $2,000 | 3.80%Free rate alert | −0.46% | Top 11% of tracked 3-month CDs · Verified October 23, 2026 |
| 6 months | Certificate of Deposit | $100,000 | 4.30%Free rate alert | −0.04% | Top 4% of tracked 6-month CDs · Verified October 23, 2026 |
| 6 months | Certificate of Deposit | $2,000 | 4.14%Free rate alert | −0.20% | Top 8% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $100,000 | 4.35%Free rate alert | −0.11% | Top 8% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | 12 Month KIDS CD & 2 Add-Ons Special | $500 | 4.19%Free rate alert | −0.27% | Top 13% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $2,000 | 4.19%Free rate alert | −0.27% | Top 13% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | Certificate of Deposit | $100,000 | 4.45%Free rate alert | −0.13% | Top 5% of tracked 18-month CDs · Verified October 23, 2026 |
| 18 months | Certificate of Deposit | $2,000 | 4.30%Free rate alert | −0.28% | Top 11% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $100,000 | 4.45%Free rate alert | −0.25% | Top 4% of tracked 24-month CDs · Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $2,000 | 4.30%Free rate alert | −0.40% | Top 9% of tracked 24-month CDs · Verified October 23, 2026 |
| 26 months | 26 Month SPECIAL! Promotional | $2,000 | 4.50%Free rate alert | −0.22% | Verified October 23, 2026 |
| 30 months | Certificate of Deposit | $100,000 | 4.45%Free rate alert | −0.29% | Verified October 23, 2026 |
| 30 months | Certificate of Deposit | $2,000 | 4.30%Free rate alert | −0.44% | Verified October 23, 2026 |
| 36 months | CD Special - Online Opening Only Promotional | $2,000 | 4.55%Free rate alert | −0.23% | Top 3% of tracked 36-month CDs · Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $100,000 | 4.55%Free rate alert | −0.23% | Top 3% of tracked 36-month CDs · Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $2,000 | 4.40%Free rate alert | −0.38% | Top 7% of tracked 36-month CDs · Verified October 23, 2026 |
| 42 months | 42 Month Step-Up CD | $100,000 | 4.50%Free rate alert | −0.29% | Verified October 23, 2026 |
| 42 months | 42 Month Step-Up CD | $2,000 | 4.35%Free rate alert | −0.44% | Verified October 23, 2026 |
| 48 months | Certificate of Deposit | $100,000 | 4.50%Free rate alert | −0.31% | Top 3% of tracked 48-month CDs · Verified October 23, 2026 |
| 48 months | Certificate of Deposit | $2,000 | 4.35%Free rate alert | −0.46% | Top 6% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit | $100,000 | 4.50%Free rate alert | −0.34% | Top 6% of tracked 60-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit | $2,000 | 4.35%Free rate alert | −0.49% | Top 9% of tracked 60-month CDs · Verified October 23, 2026 |
| 72 months | Certificate of Deposit | $100,000 | 4.35%Free rate alert | −0.53% | Verified October 23, 2026 |
| 72 months | Certificate of Deposit | $2,000 | 4.19%Free rate alert | −0.69% | Verified October 23, 2026 |
| 84 months | Certificate of Deposit | $100,000 | 4.35%Free rate alert | −0.57% | Verified October 23, 2026 |
| 84 months | Certificate of Deposit | $2,000 | 4.19%Free rate alert | −0.73% | Verified October 23, 2026 |
| 96 months | Certificate of Deposit | $100,000 | 4.35%Free rate alert | −0.60% | Verified October 23, 2026 |
| 96 months | Certificate of Deposit | $2,000 | 4.19%Free rate alert | −0.76% | Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Luana Savings Bank's best CD rates by term?
Luana Savings Bank's best rate is 4.55% APY on 36 months, verified October 23, 2026.
- 3 mo3.96%
- 6 mo4.30%
- 12 mo4.35%
- 18 mo4.45%
- 24 mo4.45%
- 26 mo4.50%
- 30 mo4.45%
- 36 mo4.55%
- 42 mo4.50%
- 48 mo4.50%
- 60 mo4.50%
- 72 mo4.35%
- 84 mo4.35%
- 96 mo4.35%
How much interest could a Luana Savings Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,428.05 interest · $11,428.05 at maturity on $10,000.00.
4.55% APY · 36 months · CD Special - Online Opening Only · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $46.713.80% APY · Certificate of Deposit · Standard | $93.423.80% APY · Certificate of Deposit · Standard | $233.543.80% APY · Certificate of Deposit · Standard | $467.093.80% APY · Certificate of Deposit · Standard |
| 6 months | $102.734.14% APY · Certificate of Deposit · Standard | $205.474.14% APY · Certificate of Deposit · Standard | $513.674.14% APY · Certificate of Deposit · Standard | $1,027.344.14% APY · Certificate of Deposit · Standard |
| 12 months | $209.504.19% APY · Certificate of Deposit · Standard | $419.004.19% APY · Certificate of Deposit · Standard | $1,047.504.19% APY · Certificate of Deposit · Standard | $2,095.004.19% APY · Certificate of Deposit · Standard |
| 18 months | $326.254.30% APY · Certificate of Deposit · Standard | $652.504.30% APY · Certificate of Deposit · Standard | $1,631.254.30% APY · Certificate of Deposit · Standard | $3,262.504.30% APY · Certificate of Deposit · Standard |
| 24 months | $439.244.30% APY · Certificate of Deposit · Standard | $878.494.30% APY · Certificate of Deposit · Standard | $2,196.224.30% APY · Certificate of Deposit · Standard | $4,392.454.30% APY · Certificate of Deposit · Standard |
| 26 months | $500.444.50% APY · 26 Month SPECIAL! · Promotional | $1,000.884.50% APY · 26 Month SPECIAL! · Promotional | $2,502.204.50% APY · 26 Month SPECIAL! · Promotional | $5,004.394.50% APY · 26 Month SPECIAL! · Promotional |
| 30 months | $555.284.30% APY · Certificate of Deposit · Standard | $1,110.564.30% APY · Certificate of Deposit · Standard | $2,776.394.30% APY · Certificate of Deposit · Standard | $5,552.784.30% APY · Certificate of Deposit · Standard |
| 36 months | $714.024.55% APY · CD Special - Online Opening Only · Promotional | $1,428.054.55% APY · CD Special - Online Opening Only · Promotional | $3,570.124.55% APY · CD Special - Online Opening Only · Promotional | $7,140.254.55% APY · CD Special - Online Opening Only · Promotional |
| 42 months | $803.894.35% APY · 42 Month Step-Up CD · Standard | $1,607.774.35% APY · 42 Month Step-Up CD · Standard | $4,019.434.35% APY · 42 Month Step-Up CD · Standard | $8,038.874.35% APY · 42 Month Step-Up CD · Standard |
| 48 months | $928.434.35% APY · Certificate of Deposit · Standard | $1,856.864.35% APY · Certificate of Deposit · Standard | $4,642.164.35% APY · Certificate of Deposit · Standard | $9,284.324.35% APY · Certificate of Deposit · Standard |
| 60 months | $1,186.324.35% APY · Certificate of Deposit · Standard | $2,372.644.35% APY · Certificate of Deposit · Standard | $5,931.594.35% APY · Certificate of Deposit · Standard | $11,863.184.35% APY · Certificate of Deposit · Standard |
| 72 months | $1,396.264.19% APY · Certificate of Deposit · Standard | $2,792.524.19% APY · Certificate of Deposit · Standard | $6,981.314.19% APY · Certificate of Deposit · Standard | $13,962.624.19% APY · Certificate of Deposit · Standard |
| 84 months | $1,664.274.19% APY · Certificate of Deposit · Standard | $3,328.534.19% APY · Certificate of Deposit · Standard | $8,321.334.19% APY · Certificate of Deposit · Standard | $16,642.654.19% APY · Certificate of Deposit · Standard |
| 96 months | $1,943.504.19% APY · Certificate of Deposit · Standard | $3,887.004.19% APY · Certificate of Deposit · Standard | $9,717.494.19% APY · Certificate of Deposit · Standard | $19,434.984.19% APY · Certificate of Deposit · Standard |
How Luana Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 410 tracked institutions with fresh 1095-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Luana Savings Bank (this institution)Certificate of Deposit · Standard | 36 months | $100,000 | Branches in IA | 4.55% | October 23, 2026 |
| Popular DirectCD · Standard | 36 months | $10,000 | Available nationwide | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 36 months | $1,500 | Available nationwide | 4.60% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Membership required · branches in NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.78% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Luana Savings Bank on October 23, 2026.
About Luana Savings Bank
- Legal name
- Luana Savings Bank
- Regulator ID
- FDIC 253
- Headquarters
- Luana, IA
- Available in
- IA
- Total assets
- $2.3 billion
- Also known as
- Website
- www.luanasavingsbank.com
Source: rates read from https://www.luanasavingsbank.com/resources/rates/certificates-of-deposit/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Luana Savings Bank?
Among the rates we track, 4.55% APY on a 36-month CD, as of October 23, 2026.
What is the minimum deposit for a Luana Savings Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Luana Savings Bank's best CD rate compare with Treasury yields?
4.55% APY is −0.23% versus the 36-month Treasury yield of 4.78% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.55% a good CD rate?
It is 3.3 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Luana Savings Bank CDs insured?
Luana Savings Bank is an FDIC-insured bank (FDIC 253). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Luana Savings Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Luana Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Luana Savings Bank before opening an account. This page is not financial advice.