Small Savers

Start small today to help them with big dreams tomorrow.

Educating kids about how to handle money responsibly at a young age can help build positive financial habits. Which can pay off big as they get bigger. And their grown-up dreams often involve grown-up money decisions. 

Features Included
Minimum Deposit to Open $10
No Monthly Maintenance Fee
Free Paper Statements
E-Statements Available
Financial Education Rewards
Birthday Rewards
Free Sweets
Automatic Savings Plan
Annual Percentage Yield (APY) {{savers_small_apy}}%
Details

When Kids Learn, they Earn

Teaching kids about finance can be challenging, which is why LSB partnered with Banzai, an online financial literacy company that formats online educational courses like a video game!

When a Small Saver completes one of the financial courses, $20.00 will be deposited into their account if they bring a picture or a printed copy of the certificate into a bank branch. The interaction between your Small Saver and Bank staff is an important component of building positive financial habits.

Come Spin the Birthday Prize Wheel

Create a fun birthday tradition that your Small Saver will remember forever! During the month of the minor account holder’s birthday, they have the opportunity to visit the Bank and spin a wheel for a chance to win a gift card or real cash!  All gift card prizes support local businesses in the area.

Make it Easier for Your Kids to Save

Help teach your kids the value of saving by setting up an automatic savings plan, where their allowance can be automatically transferred into their account. By automatically having their allowance deposited into their Small Saver’s Account, you help prevent them from spending it carelessly. Watching their balance grow and seeing compound interest work will help them understand the importance of saving. 

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Title Token Key Token Value
Loan to Value Ratio - 81-90% - 10 Year Rate {{LTV_8190_10year_rate}} 5.750
Loan to Value Ratio - 81-90% - 10 Year APR {{LTV_8190_10year_apr}} 6.016
Loan to Value Ratio - 81-90% - 10 Year Payment Example {{LTV_8190_10year_pmt}} 1,811.19
Loan to Value Ratio - 81-90% - 10 Year Points {{LTV_8190_10year_points}} 0
Loan to Value Ratio - 81-90% - 15 Year Rate {{LTV_8190_15year_rate}} 5.875
Loan to Value Ratio - 81-90% - 15 Year APR {{LTV_8190_15year_apr}} 6.065
Loan to Value Ratio - 81-90% - 15 Year Points {{LTV_8190_15year_points}} 0
Loan to Value Ratio - 81-90% - 15 Year Payment Example {{LTV_8190_15year_pmt}} 1,381.25
Loan to Value Ratio - 81-90% - 20 Year Rate {{LTV_8190_20year_rate}} 6.375
Loan to Value Ratio - 81-90% - 20 Year APR {{LTV_8190_20year_apr}} 6.534
Loan to Value Ratio - 81-90% - 20 Year Points {{LTV_8190_20year_points}} 0
Loan to Value Ratio - 81-90% - 20 Year Payment Example {{LTV_8190_20year_pmt}} 1,218.08
Loan to Value Ratio - 81-90% - 25 Year Rate {{LTV_8190_25year_rate}} 6.500
Loan to Value Ratio - 81-90% - 25 Year APR {{LTV_8190_25year_apr}} 6.638
Loan to Value Ratio - 81-90% - 25 Year Points {{LTV_8190_25year_points}} 0
Loan to Value Ratio - 81-90% - 25 Year Payment Example {{LTV_8190_25year_pmt}} 1,114.09
Loan to Value Ratio - 81-90% - 30 Year Rate {{LTV_8190_30year_rate}} 6.625
Loan to Value Ratio - 81-90% - 30 Year APR {{LTV_8190_30year_apr}} 6.749
Loan to Value Ratio - 81-90% - 30 Year Points {{LTV_8190_30year_points}} 0
Loan to Value Ratio - 81-90% - 30 Year Payment Example {{LTV_8190_30year_pmt}} 1,056.51
Loan to Value Ratio - 71-80% - 10 Year Rate {{LTV_7180_10year_rate}} 5.625
Loan to Value Ratio - 71-80% - 10 Year APR {{LTV_7180_10year_apr}} 5.888
Loan to Value Ratio - 71-80% - 10 Year Points {{LTV_7180_10year_points}} 0
Loan to Value Ratio - 71-80% - 10 Year Payment Example {{LTV_7180_10year_pmt}} 1,800.92
Loan to Value Ratio - 71-80% - 15 Year Rate {{LTV_7180_15year_rate}} 5.750
Loan to Value Ratio - 71-80% - 15 Year APR {{LTV_7180_15year_apr}} 5.938
Loan to Value Ratio - 71-80% - 15 Year Points {{LTV_7180_15year_points}} 0
Loan to Value Ratio - 71-80% - 15 Year Payment Example {{LTV_7180_15year_pmt}} 1,370.18
Loan to Value Ratio - 71-80% - 20 Year Rate {{LTV_7180_20year_rate}} 6.250
Loan to Value Ratio - 71-80% - 20 Year APR {{LTV_7180_20year_apr}} 6.407
Loan to Value Ratio - 71-80% - 20 Year Points {{LTV_7180_20year_points}} 0
Loan to Value Ratio - 71-80% - 20 Year Payment Example {{LTV_7180_20year_pmt}} 1,206.03
Loan to Value Ratio - 71-80% - 25 Year Rate {{LTV_7180_25year_rate}} 6.375
Loan to Value Ratio - 71-80% - 25 Year APR {{LTV_7180_25year_apr}} 6.511
Loan to Value Ratio - 71-80% - 25 Year Points {{LTV_7180_25year_points}} 0
Loan to Value Ratio - 71-80% - 25 Year Payment Example {{LTV_7180_25year_pmt}} 1,101.24
Loan to Value Ratio - 71-80% - 30 Year Rate {{LTV_7180_30year_rate}} 6.500
Loan to Value Ratio - 71-80% - 30 Year APR {{LTV_7180_30year_apr}} 6.623
Loan to Value Ratio - 71-80% - 30 Year Points {{LTV_7180_30year_points}} 0
Loan to Value Ratio - 71-80% - 30 Year Payment Example {{LTV_7180_30year_pmt}} 1,042.91
Loan to Value Ratio - 61-70% - 10 Year Rate {{LTV_6170_10year_rate}} 5.500
Loan to Value Ratio - 61-70% - 10 Year APR {{LTV_6170_10year_apr}} 5.760
Loan to Value Ratio - 61-70% - 10 Year Points {{LTV_6170_10year_points}} 0
Loan to Value Ratio - 61-70% - 10 Year Payment Value {{LTV_6170_10year_pmt}} 1,790.68
Loan to Value Ratio - 61-70% - 15 Year Rate {{LTV_6170_15year_rate}} 5.625
Loan to Value Ratio - 61-70% - 15 Year APR {{LTV_6170_15year_apr}} 5.810
Loan to Value Ratio - 61-70% - 15 Year Points {{LTV_6170_15year_points}} 0
Loan to Value Ratio - 61-70% - 15 Year Payment Example {{LTV_6170_15year_pmt}} 1,359.16
Loan to Value Ratio - 61-70% - 20 Year Rate {{LTV_6170_20year_rate}} 6.125
Loan to Value Ratio - 61-70% - 20 Year APR {{LTV_6170_20year_apr}} 6.280
Loan to Value Ratio - 61-70% - 20 Year Points {{LTV_6170_20year_points}} 0
Loan to Value Ratio - 61-70% - 20 Year Payment Example {{LTV_6170_20year_pmt}} 1,194.04
Loan to Value Ratio - 61-70% - 25 Year Rate {{LTV_6170_25year_rate}} 6.250
Loan to Value Ratio - 61-70% - 25 Year APR {{LTV_6170_25year_apr}} 6.384
Loan to Value Ratio - 61-70% - 25 Year Points {{LTV_6170_25year_points}} 0
Loan to Value Ratio - 61-70% - 25 Year Payment Example {{LTV_6170_25year_pmt}} 1,088.45
Loan to Value Ratio - 61-70% - 30 Year Rate {{LTV_6170_30year_rate}} 6.375
Loan to Value Ratio - 61-70% - 30 Year APR {{LTV_6170_30year_apr}} 6.496
Loan to Value Ratio - 61-70% - 30 Year Points {{LTV_6170_30year_points}} 0
Loan to Value Ratio - 61-70% - 30 Year Payment Example {{LTV_6170_30year_pmt}} 1,029.39
Loan to Value Ratio - 60% and Below - 10 Year Rate {{LTV_60_10year_rate}} 5.375
Loan to Value Ratio - 60% and Below - 10 Year APR {{LTV_60_10year_apr}} 5.632
Loan to Value Ratio - 60% and Below - 10 Year Points {{LTV_60_10year_points}} 0
Loan to Value Ratio - 60% and Below - 10 Year Payment Example {{LTV_60_10year_pmt}} 1,780.48
Loan to Value Ratio - 60% and Below - 15 Year Rate {{LTV_60_15year_rate}} 5.500
Loan to Value Ratio - 60% and Below - 15 Year APR {{LTV_60_15year_apr}} 5.683
Loan to Value Ratio - 60% and Below - 15 Year Points {{LTV_60_15year_points}} 0
Loan to Value Ratio - 60% and Below - 15 Year Payment Example {{LTV_60_15year_pmt}} 1,348.19
Loan to Value Ratio - 60% and Below - 20 Year Rate {{LTV_60_20year_rate}} 6.000
Loan to Value Ratio - 60% and Below - 20 Year APR {{LTV_60_20year_apr}} 6.153
Loan to Value Ratio - 60% and Below - 20 Year Points {{LTV_60_20year_points}} 0
Loan to Value Ratio - 60% and Below - 20 Year Payment Example {{LTV_60_20year_pmt}} 1,182.11
Loan to Value Ratio - 60% and Below - 25 Year Rate {{LTV_60_25year_rate}} 6.125
Loan to Value Ratio - 60% and Below - 25 Year APR {{LTV_60_25year_apr}} 6.257
Loan to Value Ratio - 60% and Below - 25 Year Points {{LTV_60_25year_points}} 0
Loan to Value Ratio - 60% and Below - 25 Year Payment Example {{LTV_60_25year_pmt}} 1,075.74
Loan to Value Ratio - 60% and Below - 30 Year Rate {{LTV_60_30year_rate}} 6.250
Loan to Value Ratio - 60% and Below - 30 Year APR {{LTV_60_30year_apr}} 6.369
Loan to Value Ratio - 60% and Below - 30 Year Points {{LTV_60_30year_points}} 0
Loan to Value Ratio - 60% and Below - 30 Year Payment Example {{LTV_60_30year_pmt}} 1,015.93
Refinance APR Fees {{Refinance_APR_Fees}} 1,134.25
Purchase APR Fees {{Purchase_APR_Fees}} 2,102.00
First Time Home Buyer APR Fees {{FTHB_APR_Fees}} 1,452
First Time Home Owner Refinance APR Fees {{FTHO_Fefi_APR_Fees}} 539.25
Odd Day Interest {{Odd_Day_Interest}} 1,595.00
Purchase Rate Adjustor {{Purchase_Rate_Adjustor}} 0
First Time Home Buyer Rate Adjustor {{FTHB_Rate_Adjustor}} 0
Refinance Rate Adjustor {{Refi_Rate_Adjustor}} .125
Interest Checking - Rate {{checking_interest_rate}} 0.05
Interest Checking - APY {{checking_interest_apy}} 0.05
Gold 50 Checking - Rate {{checking_gold50_rate}} 0.10
Gold 50 Checking - APY {{checking_gold50_apy}} 0.10
Premium Checking - Rate {{checking_premium_rate}} 0.15
Premium Checking - APY {{checking_premium_apy}} 0.15
Home Business Checking - Rate {{checking_home_business_rate}} 0.05
Home Business Checking - APY {{checking_home_business_apy}} 0.05
E - Savings - $0.01 to $49,999 - Rate {{savings_esavings_49999_rate}} 0.25
E Savings - $0.01 to $49,999 - APY {{savings_esavings_49999_apy}} 0.25
E Savings - $50,000 and Over - Rate {{savings_esavings_50000_rate}} 0.40
E Savings - $50,000 and Over - APY {{savings_esavings_50000_apy}} 0.40
Statement Savings - Rate {{savings_statement_rate}} 0.20
Statement Savings - APY {{savings_statement_apy}} 0.20
Small Savers - Rate {{savers_small_rate}} 0.20
Small Savers - APY {{savers_small_apy}} 0.20
IRA Statement Savings - Rate {{savings_ira_statement_rate}} 0.20
IRA Statement Savings - APY {{savings_ira_statement_apy}} 0.20
Insured Money Market $0.01 to $49,999 - Rate {{moneymarket_49999_rate}} 0.20
Insured Money Market $0.01 to $49,999 - APY {{moneymarket_49999_apy}} 0.20
Insured Money Market $50,000 - $99,999 - Rate {{moneymarket_99999_rate}} 0.30
Insured Money Market $50,000 - $99,999 - APY {{moneymarket_99999_apy}} 0.30
Insured Money Market $100,000 - $199,999 - Rate {{moneymarket_199999_rate}} 0.40
Insured Money Market $100,000 - $199,999 - APY {{moneymarket_199999_apy}} 0.40
Insured Money Market $200,000 and Over - Rate {{moneymarket_200000_rate}} 0.50
Insured Money Market $200,000 and Over - APY {{moneymarket_200000_apy}} 0.50
6 Month CD - Rate {{cd_6mo_rate}} 0.45
6 Month CD - APY {{cd_6mo_apy}} 0.45
9 Month CD - Rate {{cd_9mo_rate}} 0.50
9 Month CD - APY {{cd_9mo_apy}} 0.50
12 Month CD - Rate {{cd_12mo_rate}} 0.55
12 Month CD - APY {{cd_12mo_apy}} 0.55
18 Month CD - Rate {{cd_18mo_rate}} 0.60
18 Month CD - APY {{cd_18mo_apy}} 0.60
24 Month CD - Rate {{cd_24mo_rate}} 0.65
24 Month CD - APY {{cd_24mo_apy}} 0.65
30 Month CD - Rate {{cd_30mo_rate}} 0.70
30 Month CD - APY {{cd_30mo_apy}} 0.70
42 Month CD - Rate {{cd_42mo_rate}} 0.75
42 Month CD - APY {{cd_42mo_apy}} 0.75
180 Days Jumbo CD - Rate {{cd_jumbo_180days_rate}} 0.50
180 Days Jumbo CD - APY {{cd_jumbo_180days_apy}} 0.50
365 Days Jumbo CD - Rate {{cd_jumbo_365days_rate}} 0.60
365 Days Jumbo CD - APY {{cd_jumbo_365days_apy}} 0.60
9 Month CD Special - Rate {{cd_9mo_special_rate}} .50
9 Month CD Special - APY {{cd_9mo_special_apy}} .50
13 Month CD Special - Rate {{cd_23mo_special_rate}} 3.83
13 Month CD Special - APY {{cd_23mo_special_apy}} 3.90
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