Lake Shore Savings Bank Rates and Review January 2026
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Brian McKay
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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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Lake Shore Savings Bank's savings rates are at 3.15%. Lake Shore Savings Bank's 30-Year Fixed rates are at 7.25%.
To see how these rates compare to Lake Shore Savings Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Lake Shore Savings 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 Shore Savings Bank CD rates. You can also compare Lake Shore Savings Bank savings rates, MMA rates and mortgage rates using our other rate lists. 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 Stability and Texas RatioLake Shore Savings Bank's Texas Ratio is at 4.70%, which is considered excellent. The Texas Ratio for Lake Shore Savings 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 Shore Savings Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Lake Shore Savings Bank CD Rates and Interest Rates
Lake Shore Savings Bank
Savings
3.15%
$0
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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
Compare Lake Shore Savings Bank Rates with Other Competitive Bank and Credit Union Rates
PCB Pendleton Bank
Kasasa Saver + Savings
6.00%
$0
FNB of Kansas
Eagle Premier Checking
4.00%
$100
Capitol Federal Savings Bank
12-Month CD
3.85%
$1,000
Tri-County Trust Company
12-Month CD
3.85%
$1,000
Self-Help Credit Union
12-Month CD
3.82%
$500
Show More
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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Bank Profile & OverviewLake Shore Savings Bank
128 E 4th StDunkirk, NY 14048 Chautauqua Established Date: 01/01/1891 FDIC Certificate #: 30530 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: LAKE SHORE MHC How Many Domestic U.S. Offices? 12 How Many Branches are There? 12 Website: https://www.lakeshoresavings.com
Is Lake Shore Savings Bank FDIC Insured? Yes
What is Lake Shore Savings Bank's Cert number? 30530
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$717,061,000
Total Deposits:
$599,302,000
Equity Capital:
$82,781,000
Net Income:
$1,068,000
Return on Assets (ROA):
0.8045%
Return on Equity (ROE):
7.3200%
Headquarters:
Dunkirk
Regulator:
OCC
# of Offices:
12
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsZkwn
December 17, 2025
KJvg
Add Your Rating and Review for Lake Shore Savings Bank
Frequently Asked Questions About Lake Shore Savings BankIs Lake Shore Savings Bank a safe place to deposit money?Yes, Lake Shore Savings Bank is considered a safe financial institution. With a Texas Ratio of 4.70%, 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 Shore Savings Bank operate?Lake Shore Savings Bank currently maintains approximately 12 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. Compare to other Banks |
