What are the current interest rates at Luana Savings Bank?

Current rates for Luana Savings Bank include: 12-Month CD: 4.19%, 18-Month CD: 4.30%, 24-Month CD: 4.30%, 36-Month CD: 4.45%, 48-Month CD: 4.40%, 60-Month CD: 4.40%, Savings: 0.05%, MMA: 3.09%

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Luana Savings Bank Rates & Review November 2026

Q: What CD terms does Luana Savings Bank offer?

Luana Savings Bank CD rates are 4.19% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.30% APY for a 2 year CD, 4.50% APY for a 30 month CD, 4.60% APY for a 3 year CD, 4.55% APY for a 4 year CD and 4.55% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Luana Savings Bank for its full lineup.

Q: How many branches does Luana Savings Bank operate?

Luana Savings Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Luana Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Luana Savings Bank's CD - 36-Month rates are at 4.60%, Featured CD Specials - 36-Month rates are at 4.60%, CD - 48-Month rates are at 4.55%, CD - 5 Year rates are at 4.55%, CD - 30-Month rates are at 4.50%. Luana Savings Bank's savings rates are at 0.05%. Luana Savings Bank's money market rates are at 3.09%. Luana Savings Bank's Adjustable Rate Mortgage (ARM) - 5 Year Initial Period rates are at 6.625%, Adjustable Rate Mortgage (ARM) - 10 Year Initial Period rates are at 7.00%. Luana Savings Bank's top CD rate of 4.60% APY on a 3 year CD is 62% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Luana Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.00%. Rates last updated and verified on 11/05/2026.

Luana Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Luana Savings Bank? Share your experience about Luana Savings Bank by leaving a review below, or read customer reviews before you decide to use Luana Savings Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Luana Savings Bank

100 Harvest Dr
Luana, IA 52156

https://www.luanasavingsbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Luana Savings Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD - 36-Month	4.55%	4.60%	36 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50% Oct 31, 20264.60%▲ from 4.55% Oct 20, 20264.55%▲ from 4.50% Oct 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 36-Month	4.55%	4.60%	36 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 4.55% → 4.60% ▲ 0.05 pts · high 4.60% / low 4.55% Oct 31, 20264.60%▲ from 4.55% Oct 20, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 42-Month Step-Up	4.50%	4.55%	42 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.45% → 4.55% ▲ 0.10 pts · high 4.55% / low 4.45% Oct 31, 20264.55%▲ from 4.50% Oct 20, 20264.50%▲ from 4.45% Oct 14, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 48-Month	4.50%	4.55%	48 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.45% → 4.55% ▲ 0.10 pts · high 4.55% / low 4.45% Oct 31, 20264.55%▲ from 4.50% Oct 20, 20264.50%▲ from 4.45% Oct 14, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 5-Year	4.50%	4.55%	5 Year	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.45% → 4.55% ▲ 0.10 pts · high 4.55% / low 4.45% Oct 31, 20264.55%▲ from 4.50% Oct 20, 20264.50%▲ from 4.45% Oct 14, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 26-Month SPECIAL!	4.45%	4.50%	26 Month	-
Min Balance $2,000 Details Balance: $2,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 30-Month	4.45%	4.50%	30 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45% Oct 31, 20264.50%▲ from 4.45% Oct 20, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 26-Month SPECIAL!	4.45%	4.50%	26 Month	-
Min Balance $2,000 Details Balance: $2,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 18-Month	4.40%	4.45%	18 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 24-Month	4.40%	4.45%	24 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 36-Month	4.40%	4.45%	36 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35% Oct 31, 20264.45%▲ from 4.40% Oct 20, 20264.40%▲ from 4.35% Oct 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 36-Month	4.40%	4.45%	36 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40% Oct 31, 20264.45%▲ from 4.40% Oct 20, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 42-Month Step-Up	4.35%	4.40%	42 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 31, 20264.40%▲ from 4.35% Oct 20, 20264.35%▲ from 4.30% Oct 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 48-Month	4.35%	4.40%	48 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 31, 20264.40%▲ from 4.35% Oct 20, 20264.35%▲ from 4.30% Oct 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 5-Year	4.35%	4.40%	5 Year	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 31, 20264.40%▲ from 4.35% Oct 20, 20264.35%▲ from 4.30% Oct 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 12-Month	4.30%	4.35%	12 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 30-Month	4.30%	4.35%	30 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30% Oct 31, 20264.35%▲ from 4.30% Oct 20, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 12-Month	4.30%	4.35%	12 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 18-Month	4.25%	4.30%	18 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 24-Month	4.25%	4.30%	24 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 6-Month	4.25%	4.30%	6 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 6-Month	4.25%	4.30%	6 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
12-Month KIDS CD & 2 Add-Ons	4.15%	4.19%	12 Month	-
Min Balance $500 Details Balance: $500 and above; Kid's CD for individuals 18 years of age or younger; two additional deposits may be made during the 12 month term, minimum $100 each Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 4.04% → 4.19% ▲ 0.15 pts · high 4.19% / low 4.04% Oct 20, 20264.19%▲ from 4.14% Sep 27, 20264.14%▲ from 4.04% Sep 18, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 12-Month	4.15%	4.19%	12 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.19% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 12-Month	4.15%	4.19%	12 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.19% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Kid's CD 12-Month & 2 Add-Ons	4.15%	4.19%	12 Month	$500
Min Deposit $500 Details Deposit Amount: $500 and above; To qualify the individual must be 18 years of age or younger; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 4.14% → 4.19% ▲ 0.05 pts · high 4.19% / low 4.14% Oct 20, 20264.19%▲ from 4.14% Oct 14, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 6-Month	4.10%	4.14%	6 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.14% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Featured CD Specials - 6-Month	4.10%	4.14%	6 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.14% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 3-Month	3.90%	3.96%	3 Month	-
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.96% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
CD - 3-Month	3.75%	3.80%	3 Month	-
Min Balance $2,000 Details Balance: $2,000 to $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%

Luana Savings Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0 to $1,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Health Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $1,001 Details Balance: $1,001 to $2,500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Health Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $2,501 Details Balance: $2,501 to $5,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Health Savings Account	0.05%	0.05%
Min Deposit $100 Min Balance $5,001 Details Balance: $5,001 and above Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%

Luana Savings Bank Money Market Rates

Product	Rate	APY
Momentum Money Market	3.05%	3.09%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,999,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	3.05%	3.09%
Min Deposit $2,500 Min Balance $2,000,000 Details Balance: $2,000,000 - $4,999,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	3.05%	3.09%
Min Deposit $2,500 Min Balance $5,000,000 Details Balance: $5,000,000 and above; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	3.00%	3.04%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	2.86%	2.90%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	2.71%	2.74%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.74% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	2.45%	2.48%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	2.00%	2.02%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Momentum Money Market	1.70%	1.71%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $9,999.99; Variable rate; Interest compounded monthly; Effective Date: October 15, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%

Luana Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage (ARM) - 5 Year Initial Period	6.625%	-	6.998%	5 years
Details Up to 80% LTV; Loan Amount: $300,000; Initial Period (fixed rate period); Effective Date: November 5, 2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Adjustable Rate Mortgage (ARM) - 10 Year Initial Period	7.00%	-	7.099%	10 years
Details Up to 80% LTV; Loan Amount: $300,000; Initial Period (fixed rate period); Effective Date: November 5, 2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%

Luana Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
Adjustable Rate Mortgage (ARM) - 80.01% - 90% LTV	6.875%	-	7.10%	5 years
Details Initial fixed-rate period: 5 years; Loan Amount: $300,000; Effective Date: November 5, 2026; Payment Example (Monthly): 1972.02; Rates based on 720+ credit score; Index: 1-year Treasury; Margin: 2.75% Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.30% → 7.10% ▼ 0.20 pts · high 7.30% / low 7.10% Nov 5, 20267.10%▼ from 7.25% Oct 26, 20267.25%▼ from 7.30% Oct 14, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%
Adjustable Rate Mortgage (ARM) - 80.01% - 90% LTV	7.20%	-	7.234%	10 years
Details Initial fixed-rate period: 10 years; Loan Amount: $300,000; Effective Date: November 5, 2026; Payment Example (Monthly): 2037.45; Rates based on 720+ credit score; Index: 1-year Treasury; Margin: 2.75% Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.52% → 7.23% ▼ 0.28 pts · high 7.52% / low 7.23% Nov 5, 20267.23%▼ from 7.43% Oct 26, 20267.43%▼ from 7.52% Oct 14, 20267.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Luana Savings Bank’s Texas Ratio rose from 0.11% in Q3 2023 to 1.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.3B	1.00%	5.0	A+
March 31, 2026	$2.2B	0.15%	5.0	A+
December 31, 2025	$2.2B	0.30%	5.0	A+
September 30, 2025	$2.2B	0.27%	5.0	A+
June 30, 2025	$2.1B	0.23%	5.0	A+
March 31, 2025	$2.1B	0.08%	5.0	A+
December 31, 2024	$2.1B	0.02%	5.0	A+
September 30, 2024	$2.1B	0.02%	5.0	A+
June 30, 2024	$2.0B	0.11%	5.0	A+
March 31, 2024	$2.1B	0.10%	5.0	A+
December 31, 2023	$2.1B	0.10%	5.0	A+
September 30, 2023	$2.0B	0.11%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Luana Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Luana Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Luana Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Luana Savings Bank

Website https://www.luanasavingsbank.com

Address 100 Harvest Dr, Luana, IA 52156 · Clayton

Bank Holding Company LUANA BCORP

FDIC Certificate # 253

Regulator FDIC

Established August 1, 1908

FDIC Insurance Date January 1, 1934

Domestic Offices 6

Total Branches 6

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

1.00%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.9635%

Return on Equity (ROE)

10.3200%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

$2,341,323,000

Total Deposits

$1,965,552,000

Equity Capital

$213,665,000

Net Income

$10,838,000

Headquarters

Luana

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Luana Savings Bank earned the Verified Healthy badge

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Average Rating

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Frequently Asked Questions About Luana Savings Bank

Does Luana Savings Bank offer CDs?

Yes. Luana Savings Bank current CD rates include its CD - 36-Month at 4.60% APY, its Featured CD Specials - 36-Month at 4.60% APY and its CD - 48-Month at 4.55% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Luana Savings Bank FDIC insured?

Yes. Luana Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Luana Savings Bank?

The highest Luana Savings Bank CD rate is its Certificate of Deposit - 36-Month at 4.60% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Luana Savings Bank offer?

Luana Savings Bank CD rates are 4.19% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.30% APY for a 2 year CD, 4.50% APY for a 30 month CD, 4.60% APY for a 3 year CD, 4.55% APY for a 4 year CD and 4.55% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Luana Savings Bank for its full lineup.

What is the highest savings rate at Luana Savings Bank?

The highest Luana Savings Bank savings rate is its Health Savings Account at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Luana Savings Bank?

The highest Luana Savings Bank money market rate is its Momentum Money Market at 3.09% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest mortgage rate at Luana Savings Bank?

The lowest Luana Savings Bank mortgage rate is its Adjustable Rate Mortgage (ARM) - 5 Year Initial Period at 6.625%, verified by MonitorBankRates as of November 5, 2026. Luana Savings Bank mortgage rates are 7.00% for a 10 year mortgage and 6.625% for a 5 year mortgage.

How many branches does Luana Savings Bank operate?

Luana Savings Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Luana Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Luana Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Luana Savings Bank offer online and mobile banking?

Most modern institutions like Luana Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.luanasavingsbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Luana Savings Bank rates compare?

Luana Savings Bank's top CD rate of 4.60% APY on a 3 year CD is 62% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. Luana Savings Bank's top rates are its Certificate of Deposit - 36-Month at 4.60% APY, its Health Savings Account at 0.05% APY, its Momentum Money Market at 3.09% APY and its Adjustable Rate Mortgage (ARM) - 5 Year Initial Period at 6.625%, verified by MonitorBankRates on November 5, 2026.

Current Luana Savings Bank Rates

12-Month CD4.19%
18-Month CD4.30%
24-Month CD4.30%
36-Month CD4.45%
48-Month CD4.40%
60-Month CD4.40%
Savings0.05%
MMA3.09%

Retrieved from our database of financial products. Rates subject to change.

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Luana Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Luana Savings Bank Texas Ratio

Luana Savings Bank Health Trend

Luana Savings Bank CD Rates

Luana Savings Bank Savings Rates

Luana Savings Bank Money Market Rates

Luana Savings Bank Mortgage Rates

Luana Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

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Luana Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Luana Savings Bank

Does Luana Savings Bank offer CDs?

Are CDs from Luana Savings Bank FDIC insured?

What is the highest CD rate at Luana Savings Bank?

What CD terms does Luana Savings Bank offer?

What is the highest savings rate at Luana Savings Bank?

What is the highest money market rate at Luana Savings Bank?

What is the lowest mortgage rate at Luana Savings Bank?

How many branches does Luana Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Luana Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Luana Savings Bank rates compare?

Current Luana Savings Bank Rates

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