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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Lake Shore Savings Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: October 21, 2026
Lake Shore Savings Bank's 18-Month CD rates are at 4.44%, 6-Month CD rates are at 3.60%, 9-Month CD rates are at 3.50%, 17-Month Bump-Up CD rates are at 3.01%, 14-Month CD rates are at 2.95%. Lake Shore Savings Bank's Fixed Interest Rate Mortgage - 10-Year Term rates are at 7.125%, Fixed Interest Rate Mortgage - 15-Year Term rates are at 7.25%, Fixed Interest Rate Mortgage - 20-Year Term rates are at 7.50%, Fixed Interest Rate Mortgage - 30-Year Term rates are at 7.75%. MonitorBankRates evaluates the financial stability of Lake Shore Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.23%. Rates last updated and verified on 10/21/2026. Lake Shore 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 Lake Shore Savings Bank? Share your experience about Lake Shore Savings Bank by leaving a review below, or read customer reviews before you decide to use Lake Shore Savings Bank. 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. Lake Shore Savings Bank CD Rates
Lake Shore Savings Bank Mortgage Rates
Lake Shore Savings Bank Home Equity & HELOC
Financial Health HistoryLake Shore Savings Bank’s Texas Ratio fell from 4.69% in Q3 2023 to 1.23% in Q2 2026, so its financial health has improved and is now 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Lake Shore 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 Lake Shore 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 Lake Shore Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Lake Shore Savings Bank
Website
https://www.lakeshoresavings.com
Address
128 E 4th St,
Dunkirk, NY 14048 · Chautauqua
Bank Holding Company
LAKE SHORE BCORP INC
FDIC Certificate #
30530
Regulator
FDIC
Established
January 1, 1891
FDIC Insurance Date
August 9, 1989
Domestic Offices
11
Total Branches
11
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.23%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1347%
Return on Equity (ROE)
6.9500%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
$735,882,000
Total Deposits
$599,082,000
Equity Capital
$121,370,000
Net Income
$4,132,000
Headquarters
Dunkirk
Total Branches and Offices
11
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Lake Shore Savings Bank yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Lake Shore Savings Bank
Frequently Asked Questions About Lake Shore Savings BankDoes Lake Shore Savings Bank offer CDs?Yes. Lake Shore Savings Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Lake Shore Savings Bank FDIC insured?Yes. Lake Shore 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 Lake Shore Savings Bank?The highest CD rate MonitorBankRates has verified for Lake Shore Savings Bank is 4.44% APY on its 18-Month CD, as of October 21, 2026. What CD terms does Lake Shore Savings Bank offer?The Lake Shore Savings Bank CD terms we track include 6 month, 9 month, 14 month, 17 month and 18 month terms, with rates from 2.95% to 4.44% APY. The institution may offer other terms or specials that are not listed here, so check with Lake Shore Savings Bank for its full lineup. What is the lowest 30 year fixed mortgage rate at Lake Shore Savings Bank?The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Lake Shore Savings Bank is 7.75% rate on its Fixed Interest Rate Mortgage - 30-Year Term, as of October 21, 2026. How many branches does Lake Shore Savings Bank operate?Lake Shore Savings 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 Shore 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, Lake Shore Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Lake Shore Savings Bank offer online and mobile banking?Most modern institutions like Lake Shore 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.lakeshoresavings.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 Lake Shore Savings Bank rates compare?Lake Shore Savings Bank's top rates are 4.44% APY on its 18-Month CD and 7.125% on its Fixed Interest Rate Mortgage - 10-Year Term, verified by MonitorBankRates on October 21, 2026. To compare Lake Shore Savings Bank with the top rates nationwide, see our best CD rates and best mortgage rates, updated daily from banks and credit unions across the country. Current Lake Shore Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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