Lake Shore Savings Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 1.55%, 6-month CD rates at 5.00% and 3-month CD rates at 0.10%. Current savings rates are at 5.30% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 7.08%. Credit Card rates are at 13.90%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates. Lake Shore Savings Bank's 9-Month CD special rates are at 4.85%, 14-Month CD special rates are at 4.50%, 22-Month CD special rates are at 3.50%, 57-Month CD special rates are at 3.15%. Lake Shore Savings Bank's savings rates are at 4.95%. Lake Shore Savings Bank's money market rates are at 4.65%. Lake Shore Savings Bank's 30-Year Fixed rates are at 7.75%, 20-Year Fixed rates are at 7.50%, 15-Year Fixed rates are at 7.25%, 10-Year Fixed rates are at 7.00%.

Lake Shore Savings Bank

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.

Lake Shore Savings Bank Texas Ratio

Lake Shore Savings Bank's Texas Ratio is at 4.45%, which is considered excellent. The Texas Ratio for Lake Shore Savings Bank is lower than the national average of all banks, currently at 6.24%. 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.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
4.95%
MMA
4.65%
30-Year Fixed
7.91%
Credit Card
N/A
Personal Loan
N/A
Lake Shore Savings Bank
128 E 4th St
Dunkirk, NY 14048
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Lake Shore Savings Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Lake Shore Savings Bank
Lake Shore Savings Bank
Savings Account
4.95%
$0
Lake Shore Savings Bank
Lake Shore Savings Bank
9-Month CD special
4.85%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
Money Market Saving
4.65%
$50,000
Lake Shore Savings Bank
Lake Shore Savings Bank
14-Month CD special
4.50%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
22-Month CD special
3.50%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
57-Month CD special
3.15%
$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.

Lake Shore Savings Bank Mortgage Rates

Lender
Product
Rate
APR
Points
Lake Shore Savings Bank
Lake Shore Savings Bank
10-Year Fixed
7.000%
7.339%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
15-Year Fixed
7.250%
7.494%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
20-Year Fixed
7.500%
7.698%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
30-Year Fixed
7.750%
7.906%
0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Lake Shore Savings Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
The Peoples S&L Co.
The Peoples S&L Co.
12-Month CD
4.73%
$1,000
Bristol Morgan Bank
Bristol Morgan Bank
Money Market
4.60%
$500,000
First State Bank of Beecher City
First State Bank of Beecher City
12-Month CD
4.60%
$0
Goldwater Bank
Goldwater Bank
High Yield Savings
4.15%
$100
Bristol County Savings Bank
Bristol County Savings Bank
24-Month CD
4.08%
$1,000
First Missouri State Bank of Cape County
First Missouri State Bank of Cape County
3-Month CD
4.00%
$1,000
Utah Independent Bank
Utah Independent Bank
6-Month CD
3.84%
$500
Lake Central Bank
Lake Central Bank
12-Month CD
3.54%
$1,000
Minnesota First
Minnesota First
24-Month CD
3.43%
$500
5Star Bank
5Star Bank
24-Month CD
3.30%
$1,000
4U Federal Credit Union
4U Federal Credit Union
36-Month CD certificate
3.29%
$1,000
Kish Bank
Kish Bank
48-Month CD
3.28%
$2,000
Jovia Federal Credit Union
Jovia Federal Credit Union
36-Month CD
3.25%
$100
Achieva Credit Union
Achieva Credit Union
36-Month CD
3.15%
$500
Farmers State Bank Center, TX
Farmers State Bank Center, TX
48-Month CD
2.78%
$1,000
MVSB
18-Month CD
2.75%
$500
United Savings Bank Philadelphia, PA
United Savings Bank Philadelphia, PA
24-Month CD
2.50%
$1,000
Solvay Bank
Solvay Bank
36-Month CD
2.50%
$500
First National Bank of Clarksdale
First National Bank of Clarksdale
Money Market
2.25%
$1,000
USAA
USAA
84-Month CD
2.02%
$1,000
First National Bank in Ord
First National Bank in Ord
30-Month CD (Step-Up)
2.01%
$500
Geddes Federal S&L
Geddes Federal S&L
18-Month CD
1.76%
$500
Walden Savings Bank
Walden Savings Bank
36-Month CD
1.65%
$1,000
Forte Bank
Forte Bank
36-Month CD
1.46%
$1,000
Chesapeake Bank
Chesapeake Bank
60-Month CD
1.30%
$1,000
Westmoreland Federal S&L
Westmoreland Federal S&L
24-Month CD
1.25%
$500
Bluff View Bank
Bluff View Bank
Money Market Plus
1.25%
$50,000
Haviland State Bank
Haviland State Bank
Savings
1.11%
$50
Norway Savings Bank
Norway Savings Bank
60-Month CD
1.11%
$500
Essex Savings Bank
Essex Savings Bank
24-Month CD
1.02%
$500
FNB of Wyoming
FNB of Wyoming
Personal Money Market
1.01%
$2,500
FNB Of Nokomis
FNB Of Nokomis
24-Month CD
1.00%
$1,000
ESSA Bank & Trust
ESSA Bank & Trust
12-Month CD
1.00%
$1,000
Chain Bridge Bank
Chain Bridge Bank
Savings
0.81%
$100
Cape Ann Savings Bank
Cape Ann Savings Bank
24-Month CD
0.75%
$500
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
Money Market Tier 1
0.75%
$2,500
Yakima Federal S&L
Yakima Federal S&L
60-Month CD (savers choice)
0.65%
$500
Newtown Savings Bank
Newtown Savings Bank
Basic Money Market
0.50%
$25
5 Star Bank
5 Star Bank
48-Month CD
0.50%
$500
Consumers Credit Union
Consumers Credit Union
24-Month CD
0.45%
$1,000
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
18-Month CD
0.35%
$1,000
The Bank of Elk River
The Bank of Elk River
Statement Savings
0.30%
$0
Warren-Boynton State Bank
Warren-Boynton State Bank
Money Market
0.25%
$2,500
First Seacoast Bank
First Seacoast Bank
18-Month CD (Nest Egg)
0.25%
$1,000
Tremont First National Bank
Tremont First National Bank
18-Month CD
0.15%
$1,000
Community Bank of Elmhurst
Community Bank of Elmhurst
18-Month CD
0.10%
$500
Cambridge Trust Company
Cambridge Trust Company
24-Month CD
0.10%
$1,000
Champlain National Bank
Champlain National Bank
Checking Account
0.05%
$0
JVB Juniata Valley Bank
JVB Juniata Valley Bank
Statement Savings
0.05%
$100
Applied Bank
Applied Bank
36-Month CD
0.05%
$1,000
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.

Lake Shore Savings Bank Mortgage Rates

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
6.000%
6.056%
0.000
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.071%
0.250
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
5.875%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Lake Shore Savings Bank Information

Lake Shore Savings Bank
128 E 4th St
Dunkirk, NY 14048
Chautauqua
Established Date: 01/01/1891
FDIC Certificate #: 30530
Date of FDIC Deposit Insurance: 12/19/1951
Bank Holding Company: LAKE SHORE MHC
How Many Domestic U.S. Offices? 12
How Many Branches are There? 12
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

Lake Shore Savings Bank Financials

Total Assets:
$730,451,000
Total Deposits:
$600,006,000
Equity Capital:
$79,370,000
Domestic Deposits:
$600,006,000
Net Income:
$1,767,000
Return on Assets:
0.8842%
Quarterly Return on Assets:
0.9900%
Pretax Return on Assets:
1.1513%
Pretax Quarterly Return on Assets:
1.1500%
Return on Equity:
7.9000%
Quarterly Return on Equity:
9.0400%
Leverage Tier 1 (Core Capital) Ratio:
12.2044%
Total Interest Income (YTD):
3.9518%
 
 
Headquarters:
Dunkirk
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
Chautauqua
# of Offices:
12
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

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