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Lake-Osceola State Bank Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 7, 2026

Lake-Osceola State Bank's 15-Months 15-Month Certificate rates are at 3.96%, 7-Months Special 7-Month Certificate Special rates are at 3.70%, 11-Month Special 11-Month Certificate Special rates are at 3.39%, 25-Month Special W/Acct Rel rates are at 2.78%, 30-Months 30-Month Certificate 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%. MonitorBankRates evaluates the financial stability of Lake-Osceola State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.31%. Rates last updated and verified on 09/07/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.31%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Lake-Osceola State Bank
790 Michigan Ave
Baldwin, MI 49304
https://www.losb.com
Member FDIC

Lake-Osceola State Bank CD Rates

Product Rate APY Term View More
15 Month Certificate 3.90% 3.96% 15 Months
Min Deposit $10,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
7 Month Certificate Special 3.65% 3.70% 7 Months Special
Min Deposit $10,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
11 Month Certificate Special 3.35% 3.39% 11 Month Special
Min Deposit $10,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
25 Month Special W/Acct Rel 2.75% 2.78% 25 Month
Min Deposit $10,000
Details Term: 25 Month Special W/Acct Rel; Account Relationship Required
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
30 Month Certificate 2.36% 2.38% 30 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
36 Month Certificate 2.36% 2.38% 36 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
48 Month Certificate 2.36% 2.38% 48 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
60 Month Certificate 2.36% 2.38% 60 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
12 Month Certificate 2.25% 2.27% 12 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
12 month TDOA 2.25% 2.27% 12 Months TDOA
Min Deposit $50
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
18 Month Certificate 2.25% 2.27% 18 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
24 Month Certificate 2.25% 2.27% 24 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
6 Month Certificate 2.25% 2.27% 6 Months
Min Deposit $500
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%

Lake-Osceola State Bank Savings Rates

Product Rate APY View More
Savings Account 0.25% 0.25%
No additional details.
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
Christmas Club 0.05% 0.05%
No additional details.
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%

Lake-Osceola State Bank Money Market Rates

Product Rate APY View More
Money Market Account (Tiered Rate) 3.50% 3.56%
Min Balance $1,000,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
Money Market Account (Tiered Rate) 2.50% 2.53%
Min Balance $500,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
Money Market Account (Tiered Rate) 2.00% 2.02%
Min Balance $250,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
Money Market Account (Tiered Rate) 1.50% 1.51%
Min Balance $100,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
Money Market Account (Tiered Rate) 1.00% 1.00%
Min Balance $50,000
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%

Lake-Osceola State Bank Checking Rates

Product Rate APY View More
Interest Checking 0.05% 0.05%
No additional details.
Last Updated 09/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.31%
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.
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Financial Health History

Lake-Osceola State Bank’s Texas Ratio stayed near 1.18% in Q3 2023 to 1.31% 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; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 1.18% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.31% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$469M1.31%5.0A+
March 31, 2026$481M1.44%5.0A+
December 31, 2025$466M1.22%5.0A+
September 30, 2025$453M1.21%5.0A+
June 30, 2025$447M1.84%5.0A+
March 31, 2025$451M1.34%5.0A+
December 31, 2024$457M2.14%5.0A+
September 30, 2024$450M1.88%5.0A+
June 30, 2024$443M1.73%5.0A+
March 31, 2024$442M2.66%5.0A+
December 31, 2023$443M2.41%5.0A+
September 30, 2023$439M1.18%5.0A+
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 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

Institution Name Lake-Osceola State Bank
Bank Holding Company LAKE FINANCIAL CORP
Address 790 Michigan Ave, Baldwin, MI 49304  ·  Lake
Website https://www.losb.com
FDIC Certificate # 8172
Established 19080101
FDIC Insurance Date 19340101
Domestic Offices 13
Total Branches 13
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.31%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.5982%
Return on Equity (ROE) 15.0500%
Non-Performing Loans (NPL) 0.13%
Total Assets $469,413,000
Total Deposits $403,382,000
Equity Capital $51,514,000
Net Income $3,773,000
Headquarters Baldwin
Total Branches and Offices 13
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Lake-Osceola State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Lake-Osceola State Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Total Reviews
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Frequently Asked Questions About Lake-Osceola State Bank

How many branches does Lake-Osceola State Bank operate?

Lake-Osceola State Bank currently maintains approximately 13 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.

Current Lake-Osceola State Bank Rates

  • 12-Month CD2.27%
  • 18-Month CD2.27%
  • 24-Month CD2.27%
  • 36-Month CD2.38%
  • 48-Month CD2.38%
  • 60-Month CD2.38%
  • Savings0.25%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.

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