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 February 2026

Content reviewed by

Brian McKay

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Lake-Osceola State Bank Deposit Rates

Lake-Osceola State Bank's CD 7-Month Special rates are at 3.70%, CD 11-Month Special rates are at 3.39%, CD 15-Month W/ Acct Rel rates are at 3.29%, CD 25-Month Special W/Acct Rel rates are at 2.78%, CD 30-Month rates are at 2.38%. 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

Rate Updates and Availability

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.

Lake-Osceola State Bank 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.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Lake-Osceola State Bank has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Lake-Osceola State Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

2.27%

2.38%

18-Month CD

2.27%

2.14%

24-Month CD

2.27%

2.17%

36-Month CD

2.38%

2.11%

48-Month CD

2.38%

2.10%

60-Month CD

2.38%

2.23%

Savings

0.25%

0.60%

MMA

1.00%

0.75%

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

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Lake-Osceola State Bank CD Rates

Product	Rate	APY	Term
CD 7 month Special	3.65%	3.70%	7 Months Special
Min Deposit$10,000 Last Updated 02/13/2026
CD 11 Month Special	3.35%	3.39%	11 Month Special
Min Deposit$10,000 Last Updated 02/13/2026
CD 15 month W/ Acct Rel	3.25%	3.29%	15 Months W/ Acct Rel
Min Deposit$10,000 Last Updated 02/13/2026
CD 25 Month Special W/Acct Rel	2.75%	2.78%	25 Month Special W/Acct Rel
Min Deposit$10,000 Last Updated 02/13/2026
CD 30 month	2.36%	2.38%	30 Months
Min Deposit$500 Last Updated 02/13/2026
CD 36 month	2.36%	2.38%	36 Months
Min Deposit$500 Last Updated 02/13/2026
CD 48 month	2.36%	2.38%	48 Months
Min Deposit$500 Last Updated 02/13/2026
CD 60 month	2.36%	2.38%	60 Months
Min Deposit$500 Last Updated 02/13/2026
CD 12 month	2.25%	2.27%	12 Months
Min Deposit$500 Last Updated 02/13/2026
CD 12 month TDOA	2.25%	2.27%	12 Months TDOA
Min Deposit$50 Last Updated 02/13/2026
CD 18 month	2.25%	2.27%	18 Months
Min Deposit$500 Last Updated 02/13/2026
CD 24 month	2.25%	2.27%	24 Months
Min Deposit$500 Last Updated 02/13/2026
CD 6 month	2.25%	2.27%	6 Months
Min Deposit$500 Last Updated 02/13/2026
CD 90 Days	2.25%	2.27%	90 Days
Min Deposit$5,000 Last Updated 02/13/2026

Lake-Osceola State Bank Savings Rates

Product	Rate	APY
Savings Account	0.25%	0.25%
No additional details. Last Updated 02/13/2026
Christmas Club	0.05%	0.05%
No additional details. Last Updated 02/13/2026

Lake-Osceola State Bank Money Market Rates

Product	Rate	APY
Money Market Account (Tiered Rate)	3.50%	3.56%
Min Deposit$1,000,000 Last Updated 02/13/2026
Money Market Account (Tiered Rate)	2.50%	2.53%
Min Deposit$500,000 Last Updated 02/13/2026
Money Market Account (Tiered Rate)	2.00%	2.02%
Min Deposit$250,000 Last Updated 02/13/2026
Money Market Account (Tiered Rate)	1.50%	1.51%
Min Deposit$100,000 Last Updated 02/13/2026
Money Market Account (Tiered Rate)	1.00%	1.00%
Min Deposit$50,000 Last Updated 02/13/2026

Lake-Osceola State Bank Checking Rates

Product	Rate	APY	View More
Interest Checking	0.05%	0.05%
No additional details. Last Updated 02/13/2026

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Lake-Osceola State 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 Lake-Osceola State 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 Lake-Osceola State Bank's official website for the most current offers and terms.

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

Customer Reviews

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Frequently Asked Questions About Lake-Osceola State Bank

How do I open an account at Lake-Osceola State Bank?

You can typically open an account at Lake-Osceola State Bank by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, Lake-Osceola State Bank provides a range of mortgage and home equity products.

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

Yes, Lake-Osceola State Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.