What are the current interest rates at Lake-Osceola State Bank?

Current rates for Lake-Osceola State Bank include: 12-Month CD: 2.27%, 18-Month CD: 2.27%, 24-Month CD: 2.27%, 36-Month CD: 2.38%, 48-Month CD: 2.38%, 60-Month CD: 2.38%, Savings: 0.25%, MMA: 1.00%

Lake-Osceola State Bank Rates and Review January 2026

Q: How many branches does Lake-Osceola State Bank operate?

Lake-Osceola State Bank currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

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Lake-Osceola State Bank Deposit Rates

Lake-Osceola State Bank's 48-Month CD rates are at 2.38%, 36-Month CD rates are at 2.38%, 60-Month CD rates are at 2.38%, 24-Month CD rates are at 2.27%, 18-Month CD rates are at 2.27%. Lake-Osceola State Bank's savings rates are at 0.25%. Lake-Osceola State Bank's money market rates are at 1.00%.

Lake-Osceola State Bank

To see how these rates compare to Lake-Osceola State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Lake-Osceola State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Lake-Osceola State Bank CD rates. You can also compare Lake-Osceola State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Lake-Osceola State 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 Lake-Osceola State Bank? Share your experience about Lake-Osceola State Bank by leaving a review below, or read customer reviews before you decide to use Lake-Osceola State Bank.

Financial Stability and Texas Ratio

Lake-Osceola State Bank's Texas Ratio is at 1.13%, which is considered excellent. The Texas Ratio for Lake-Osceola State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Lake-Osceola State Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

2.27%

2.37%

18-Month CD

2.27%

2.15%

24-Month CD

2.27%

2.17%

36-Month CD

2.38%

2.12%

48-Month CD

2.38%

2.11%

60-Month CD

2.38%

2.23%

Savings

0.25%

0.60%

MMA

1.00%

0.76%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Lake-Osceola State Bank

790 Michigan Ave
Baldwin, MI 49304

https://www.losb.com

MonitorBankRates' Rating

5/5

★★★★★

Review Lake-Osceola State Bank

Lake-Osceola State Bank CD Rates and Interest Rates

Lake-Osceola State Bank

60-Month CD

2.38%

$500

Lake-Osceola State Bank

48-Month CD

2.38%

$500

Lake-Osceola State Bank

36-Month CD

2.38%

$500

Lake-Osceola State Bank

24-Month CD

2.27%

$500

Lake-Osceola State Bank

18-Month CD

2.27%

$500

Lake-Osceola State Bank

12-Month CD

2.27%

$500

Lake-Osceola State Bank

Money Market

1.00%

$1,000

Lake-Osceola State Bank

Savings

0.25%

Lake-Osceola State Bank

Interest Checking

0.05%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Lake-Osceola State Bank Rates with Other Competitive Bank and Credit Union Rates

Service Federal Credit Union

Primary Savings

5.00%

TAB Bank

24-Month CD

3.82%

$1,000

The Wilmington Savings Bank

6-Month CD

3.80%

$500

State Bank of Southern Utah

36-Month CD

3.80%

$500

BayFirst National Bank

12-Month CD

3.75%

$1,000

Touchmark Bank

6-Month CD

3.65%

$1,000

Bank of Franklin County

60-Month CD

3.65%

$500

Stearns Bank Holdingford

6-Month CD

3.58%

$500

GTE Financial Credit Union

30-Month CD

3.56%

$500

First National Bank Alamogordo, NM

12-Month CD

3.55%

$100

Midwest Bank Detroit Lakes, MN

48-Month CD (Jumbo)

3.55%

$25,000

The Peoples S&L Co.

24-Month CD

3.55%

$500

Liberty Bank Poulsbo, WA

12-Month CD (Jumbo)

3.30%

$100,000

First Federal S&L Newark, OH

12-Month CD

3.28%

$500

First Nebraska Bank

6-Month CD

3.14%

$500

FSB of Rosemount

60-Month CD

3.00%

$500

AVB Bank

18-Month CD

2.86%

$1,000

Lee Bank

24-Month CD

2.75%

$500

Parkway Bank and Trust Company

Kasasa Checking

2.65%

$100

Webster Five Cents Savings Bank

48-Month CD

2.50%

$1,000

Sound Community Bank

36-Month CD w/checking

2.43%

$1,000

Bath Savings Institution

12-Month CD

2.38%

$500

Pacific Crest SB

Money Market

2.30%

$2,000

5Star Bank

24-Month CD

2.20%

$1,000

North Star Bank

12-Month CD

2.02%

$500

Sacramento Deposit Bank

48-Month CD

1.71%

$1,000

1st Liberty Federal Credit Union

24-Month CD

1.71%

$500

Midland Community Bank

60-Month CD

1.26%

$1,000

Hatboro Federal Savings

30-Month CD

1.00%

$1,000

Bank of Hindman

12-Month CD

1.00%

$1,000

Bellevue State Bank

48-Month CD

0.90%

$5,000

Somerset Trust Company

48-Month CD

0.55%

$500

The Harrison B&L Assoc.

36-Month CD

0.50%

$1,000

Colonial Federal Savings Bank

24-Month CD

0.45%

$1,000

Greeneville Federal Bank

48-Month CD

0.45%

$1,000

North Shore Bank Co-op

48-Month CD

0.45%

$1,000

Spencer Savings Bank

24-Month CD

0.35%

$1,000

First Bank Hampton

Savings

0.30%

$100

Citizens National Bank of Albion

Money Market

0.25%

$5,000

North Side Federal S&L of Chicago

12-Month CD

0.25%

$2,000

Bank of Prairie du Sac

Regular Savings

0.20%

$100

Spencer Savings Bank

12-Month CD

0.20%

$1,000

Peru Federal Savings Bank

Statement Savings

0.10%

$10

First Command Bank

Money Market

0.05%

Franklin Bank

Premier Checking

0.05%

$500

Great Midwest Bank

Direct Checking

0.05%

Ascendia Bank

Tiered Statement Savings

0.05%

1st Bank Yuma

1st Rate Rewards Checking

0.05%

Beardstown Savings

NOW Checking

0.05%

Partners Bank of New England

Money Market

0.01%

$500

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

Lake-Osceola State Bank

790 Michigan Ave
Baldwin, MI 49304
Lake
Established Date: 01/01/1908
FDIC Certificate #: 8172
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: LAKE FINANCIAL CORP

How Many Domestic U.S. Offices? 11

How Many Branches are There? 11

Website: https://www.losb.com

Is Lake-Osceola State Bank FDIC Insured? Yes

What is Lake-Osceola State Bank's Cert number? 8172

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$441,819,000

Total Deposits:

$378,712,000

Equity Capital:

$36,547,000

Net Income:

$1,487,000

Return on Assets (ROA):

1.2045%

Return on Equity (ROE):

16.6300%

Headquarters:

Baldwin

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

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Frequently Asked Questions About Lake-Osceola State Bank

Is Lake-Osceola State Bank a safe place to deposit money?

Yes, Lake-Osceola State Bank is considered a safe financial institution. With a Texas Ratio of 1.13%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Lake-Osceola State Bank operate?

Lake-Osceola State Bank currently maintains approximately 11 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, Lake-Osceola State 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, Lake-Osceola State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Lake-Osceola State Bank offer online and mobile banking?

Most modern institutions like Lake-Osceola State 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.losb.com.