# Luana Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/luana-savings-bank
Institution: Luana Savings Bank (FDIC 253)
Aliases: 
Status: live
Last verified: 2026-10-23T11:34:11.000Z (October 23, 2026)
Official source: https://www.luanasavingsbank.com/resources/rates/certificates-of-deposit/
Coverage: 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.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $100,000 | 3.96% | Not ZIP-priced | −0.30% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 3 months | $2,000 | 3.80% | Not ZIP-priced | −0.46% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 6 months | $100,000 | 4.30% | Not ZIP-priced | −0.04% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 6 months | $2,000 | 4.14% | Not ZIP-priced | −0.20% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 12 months | $100,000 | 4.35% | Not ZIP-priced | −0.11% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| 12 Month KIDS CD & 2 Add-Ons | special | 12 months | $500 | 4.19% | Not ZIP-priced | −0.27% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 12 months | $2,000 | 4.19% | Not ZIP-priced | −0.27% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 18 months | $100,000 | 4.45% | Not ZIP-priced | −0.13% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 18 months | $2,000 | 4.30% | Not ZIP-priced | −0.28% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 24 months | $100,000 | 4.45% | Not ZIP-priced | −0.25% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 24 months | $2,000 | 4.30% | Not ZIP-priced | −0.40% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| 26 Month SPECIAL! | promotional | 26 months | $2,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 30 months | $100,000 | 4.45% | Not ZIP-priced | −0.29% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 30 months | $2,000 | 4.30% | Not ZIP-priced | −0.44% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| CD Special - Online Opening Only | promotional | 36 months | $2,000 | 4.55% | Not ZIP-priced | −0.23% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 36 months | $100,000 | 4.55% | Not ZIP-priced | −0.23% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 36 months | $2,000 | 4.40% | Not ZIP-priced | −0.38% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| 42 Month Step-Up CD | standard | 42 months | $100,000 | 4.50% | Not ZIP-priced | −0.29% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| 42 Month Step-Up CD | standard | 42 months | $2,000 | 4.35% | Not ZIP-priced | −0.44% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 48 months | $100,000 | 4.50% | Not ZIP-priced | −0.31% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 48 months | $2,000 | 4.35% | Not ZIP-priced | −0.46% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 60 months | $100,000 | 4.50% | Not ZIP-priced | −0.34% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 60 months | $2,000 | 4.35% | Not ZIP-priced | −0.49% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 72 months | $100,000 | 4.35% | Not ZIP-priced | −0.53% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 72 months | $2,000 | 4.19% | Not ZIP-priced | −0.69% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 84 months | $100,000 | 4.35% | Not ZIP-priced | −0.57% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 84 months | $2,000 | 4.19% | Not ZIP-priced | −0.73% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 96 months | $100,000 | 4.35% | Not ZIP-priced | −0.60% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |
| Certificate of Deposit | standard | 96 months | $2,000 | 4.19% | Not ZIP-priced | −0.76% | 2026-10-23T11:34:11.000Z | [Snapshot 1017](https://apyledger.com/snapshots/1017) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.