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 Lake Shore Savings Bank Rates & Review June 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: June 3, 2026
Lake Shore Savings Bank's 9-Month rates are at 3.50%, 6-Month rates are at 3.40%, 17-Month Bump-Up rates are at 3.01%, 14-Month rates are at 2.95%, 57-Month rates are at 2.90%. 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 4.69%. Rates were last updated on 06/03/2026. 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. 
Lake Shore Savings Bank CD Rates
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
Institution Name
Lake Shore Savings Bank
Bank Holding Company
LAKE SHORE BCORP INC
Address
128 E 4th St,
Dunkirk, NY 14048 · Chautauqua
Website
https://www.lakeshoresavings.com
FDIC Certificate #
30530
Established
01/01/1891
FDIC Insurance Date
08/09/1989
Domestic Offices
11
Total Branches
11
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.69%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8045%
Return on Equity (ROE)
7.3200%
Non-Performing Loans (NPL)
0.49%
Total Assets
$727,591,000
Total Deposits
$595,739,000
Equity Capital
$116,993,000
Net Income
$7,392,000
Headquarters
Dunkirk
Total Offices
11
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsZkwn
December 17, 2025
KJvg
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Frequently Asked Questions About Lake Shore Savings BankHow 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. Current Lake Shore Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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