What are the current interest rates at Lake Trust Credit Union?

Current rates for Lake Trust Credit Union include: 12-Month CD: 2.85%, 24-Month CD: 2.75%, 60-Month CD: 3.09%, Savings: 0.05%, MMA: 0.10%

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Lake Trust Credit Union

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Lake Trust Credit Union Rates & Review July 2026

Item: Lake Trust Credit Union
Rating: 1
Author: Lewis Custard

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 16, 2026

Lake Trust Credit Union's CD PLUS 25 month rates are at 4.25%, IRA CD PLUS 25 month rates are at 4.25%, CD PLUS 13 month rates are at 4.00%, IRA CD PLUS 13 month rates are at 4.00%, CD PLUS 7 month rates are at 3.85%. Lake Trust Credit Union's savings rates are at 0.05%. Lake Trust Credit Union's money market rates are at 0.10%. Lake Trust Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Lake Trust Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.85%. Rates were last updated on 07/16/2026.

Lake Trust Credit Union 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 Trust Credit Union? Share your experience about Lake Trust Credit Union by leaving a review below, or read customer reviews before you decide to use Lake Trust Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.85%

Excellent Higher than avg

Lake Trust Credit Union
Headquarters

4605 S Old US Highway 23
Brighton, MI 48114 7521

https://www.laketrust.org

Lake Trust Credit Union CD Rates

Product	Rate	APY	Term
CD PLUS 25 month	4.17%	4.25%	25 months
Min Balance $500 Details Minimum deposit of $500. Penalty for early withdrawals. Converts to a 24-month regular CD upon maturity Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD PLUS 25 month	4.17%	4.25%	25 months
Min Balance $500 Details Minimum deposit of $500. Penalty for early withdrawals. Converts to a 24-month regular IRA CD upon maturity Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
CD PLUS 13 month	3.93%	4.00%	13 months
Min Balance $500 Details Minimum deposit of $500. Penalty for early withdrawals. Converts to a 12-month regular CD upon maturity Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD PLUS 13 month	3.93%	4.00%	13 months
Min Balance $500 Details Minimum deposit of $500. Penalty for early withdrawals. Converts to a 12-month regular IRA CD upon maturity Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
CD PLUS 7 month	3.78%	3.85%	7 month
Min Balance $500 Details Minimum deposit of $500. Penalty for early withdrawals. Converts to a 6-month regular CD upon maturity Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD PLUS 7 month	3.78%	3.85%	7 month
Min Balance $500 Details Minimum deposit of $500. Penalty for early withdrawals. Converts to a 6-month regular IRA CD upon maturity Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 12 - 23 month	3.59%	3.65%	23 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 6 - 11 month	3.59%	3.65%	11 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 12 - 23 month	3.59%	3.65%	23 Months
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 6 - 11 month	3.59%	3.65%	11 Months
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 60 - 72 month	3.50%	3.56%	72 Months
Min Balance $100,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 60 - 72 month	3.50%	3.56%	72 Months
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 12 - 23 month	3.49%	3.55%	23 Months
Min Balance $4,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 48 - 59 month	3.45%	3.51%	59 Months
Min Balance $100,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 60 - 72 month	3.45%	3.51%	72 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 48 - 59 month	3.45%	3.51%	59 Months
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 60 - 72 month	3.45%	3.51%	72 Months
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 12 - 23 month	3.49%	3.49%	23 Months
Min Balance $4,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 60 - 72 month	3.30%	3.35%	72 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 60 - 72 month	3.30%	3.35%	72 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 12 - 23 month	3.25%	3.30%	23 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 3-5 month	3.25%	3.30%	5 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 36 - 47 month	3.25%	3.30%	47 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 12 - 23 month	3.25%	3.30%	23 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 3-5 month	3.25%	3.30%	5 Months
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 36 - 47 month	3.25%	3.30%	47 Months
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 48 - 59 month	3.20%	3.25%	59 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 48 - 59 month	3.20%	3.25%	59 Months
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 36 - 47 month	3.10%	3.14%	47 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 36 - 47 month	3.10%	3.14%	47 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 48 - 59 month	3.05%	3.09%	59 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 48 - 59 month	3.05%	3.09%	59 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 24 - 35 month	3.01%	3.05%	35 Months
Min Balance $10,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 6 - 11 month	3.01%	3.05%	11 Months
Min Balance $4,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 24 - 35 month	3.01%	3.05%	35 Months
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 6 - 11 month	3.01%	3.05%	11 Months
Min Balance $4,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 24 - 35 month	2.91%	2.95%	35 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 24 - 35 month	2.91%	2.95%	35 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 6 - 11 month	2.81%	2.85%	11 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 6 - 11 month	2.81%	2.85%	11 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Aspire CD 2 year	-	2.75%	2 year
Min Balance $50 Details $50 minimum opening balance. Add to at any time. Additional deposit $10 min. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 3-5 month	2.60%	2.63%	5 Months
Min Balance $4,000 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 3-5 month	2.60%	2.63%	5 Months
Min Balance $4,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Certificate of Deposit (CDs) 3-5 month	2.35%	2.38%	5 Months
Min Balance $500 Details Minimum balance $500. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
IRA CD 3-5 month	2.35%	2.38%	5 Months
Min Balance $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Savings Rates

Product	Rate	APY
Aspire Savings	2.96%	3.00%
Min Balance $0 Details This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	1.64%	1.65%
Min Balance $200,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	1.54%	1.55%
Min Balance $100,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	1.29%	1.30%
Min Balance $50,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.95%	0.95%
Min Balance $75,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.90%	0.90%
Min Balance $10,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.75%	0.75%
Min Balance $4,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Health Savings Account (HSA)	0.30%	0.30%
Min Balance $5,000 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See Fee Schedule . Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $0 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See Fee Schedule . Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Aspire Savings	0.05%	0.05%
Min Balance $10,000 Details This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Holiday Savings	0.05%	0.05%
Details Funds dispersed October 1, including accumulated interest. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Membership Savings	0.05%	0.05%
Details All Balances; Membership share accounts must maintain a $5 minimum. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.05%	0.05%
Min Balance $0 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	0.05%	0.05%
Min Balance $0 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Special Savings	0.05%	0.05%
No additional details. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Youth Membership Savings	0.05%	0.05%
No additional details. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Money Market Rates

Product	Rate	APY
Money Market Premium	3.25%	3.30%
Min Balance $1,000,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
HSA Money Market	3.20%	3.25%
Min Balance $100,000 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
HSA Money Market	2.96%	3.00%
Min Balance $50,000 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Premium	2.96%	3.00%
Min Balance $750,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
HSA Money Market	2.72%	2.75%
Min Balance $25,000 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Premium	2.72%	2.75%
Min Balance $250,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Premium	2.47%	2.50%
Min Balance $100,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Premium	2.23%	2.25%
Min Balance $50,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Premium	1.98%	2.00%
Min Balance $25,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	1.64%	1.65%
Min Balance $200,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	1.54%	1.55%
Min Balance $100,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	1.29%	1.30%
Min Balance $50,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.95%	0.95%
Min Balance $75,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.90%	0.90%
Min Balance $10,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.75%	0.75%
Min Balance $4,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings	0.05%	0.05%
Min Balance $0 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Savings Plus	0.05%	0.05%
Min Balance $0 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
HSA Money Market	0.01%	0.01%
Min Balance $0 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Money Market Premium	0.01%	0.01%
Min Balance $0 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Checking Rates

Product	Rate	APY	View More
Money Market Checking	0.10%	0.10%
Min Balance $1,000 Details $1,000 minimum opening balance. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loan: First Lien, Primary, 90%	-	-	6.33%	Up to 120 Months
Details As Low As; First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: First Lien, Primary, 90%	-	-	6.37%	Up to 180 Months
Details First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: First Lien, Primary, 90%	-	-	6.51%	Up to 240 Months
Details First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Home Equity Line of Credit (HELOC): Primary Residence	-	-	6.75%	Five-year draw period, extended upon review
Details As Low As; Maximum Combined Loan to Value up to 95%; Primary rate adjusted quarterly, Current Rate 6.75% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: Second Lien, Primary, 90%	-	-	7.28%	Up to 120 Months
Details As Low As; Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: Second Lien, Primary, 90%	-	-	7.37%	Up to 180 Months
Details Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: Second Lien, Primary, 90%	-	-	7.51%	Up to 240 Months
Details Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: First lien, Non-Primary, 70%	-	-	9.08%	Up to 120 Months
Details As Low As; First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: First lien, Non-Primary, 70%	-	-	9.17%	Up to 180 Months
Details First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Fixed Home Equity Loan: First lien, Non-Primary, 70%	-	-	9.31%	Up to 240 Months
Details First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan New - 2024	-	-	5.39%	Up to 36 months
Details As Low As; Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan New - 2024	-	-	5.49%	Up to 48 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2018 - 2023 (175K miles or less)	-	-	5.64%	Up to 36 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2018 - 2023 (175K miles or less)	-	-	5.74%	Up to 48 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan New - 2024	-	-	6.04%	Up to 60 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2018 - 2023 (175K miles or less)	-	-	6.14%	Up to 60 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan New - 2024	-	-	6.14%	Up to 75 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2017 & Older (175K miles or less)	-	-	6.24%	Up to 36 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2018 - 2023 (175K miles or less)	-	-	6.24%	Up to 75 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan New - 2024	-	-	6.24%	Up to 84 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2017 & Older (175K miles or less)	-	-	6.34%	Up to 48 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2018 - 2023 (175K miles or less)	-	-	6.34%	Up to 84 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2017 & Older (175K miles or less)	-	-	6.54%	Up to 60 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2017 & Older (175K miles or less)	-	-	6.79%	Up to 75 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Auto Loan 2017 & Older (175K miles or less)	-	-	7.19%	Up to 84 months
Details Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Credit Card Rates

Product	Rate	APR
Platinum Elite Visa	-	11.65%
Details VARIABLE; Minimum $500; Balance Transfer APR 14.65% to 21.65%; Cash Advance APR 14.65% to 21.65% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Platinum Business Visa® Rewards	-	12.65%
Details The Annual Percentage Rate is subject to change monthly to reflect any change in the index and will be determined by the Prime Rate. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Platinum Elite Rewards Visa	-	13.65%
Details VARIABLE; Minimum $500; Balance Transfer APR 16.65% to 23.65%; Cash Advance APR 16.65% to 23.65% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Lake Trust Credit Union Personal Loan Rates

Product	Rate	APR
Personal Unsecured/Signature Loan	-	10.50%
Details As Low As; Minimum $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Personal Unsecured/Signature Loan	-	14.50%
Details Minimum $500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Personal Unsecured/Signature Loan	-	15.50%
Details Minimum $7,500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Personal Line of Credit	-	16.00%
Details As Low As; Minimum credit limit: $500; Access your money over time for ongoing expenses; As you pay down your balance, funds become available again; No collateral required; Access funds as needed by ATM, phone, or online transfer; Monthly payment is a percentage of the outstanding balance (minimum of $17.50/month); No application fee; No annual fee Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lake Trust Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lake Trust Credit Union 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 Trust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lake Trust Credit Union

Website https://www.laketrust.org

Address 4605 S Old US Highway 23, Brighton, MI 48114 7521

Phone 888-267-7200

Fax

President Michael Solo

CEO David Snodgrass

Full-Time Employees 488

Part-Time Employees 2

Branch Locations 25

ATM Locations 23

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.85%

Return on Assets (ROA)

0.4480%

Return on Equity (ROE)

4.0484%

Non-Performing Loans Ratio (NPL)

1.05%

Total Assets

2,706,100,337

Total Amount of Shares and Deposits

2,385,008,803

Total Shares and Deposits < 1 Year

2,306,475,919

Total Shares and Deposits 1 3 Years

67,425,164

Total Shares and Deposits > 3 Years

11,107,720

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

440,871,846

Total Uninsured Shares and Deposits > $250K (F+J)

440,871,846

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,944,136,957

Total Interest Expense (Sum of items 6 8)

24,483,877

Share Certificates

21,792

Number of Accounts for Share Drafts

119,307

IRA KEOGH Accounts

3,698

Number of Accounts for Regular Shares

200,852

Non Member Deposits

Money Market Shares

8,550

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

126,469,442

Total Liabilities

2,446,506,530

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Lewis Custard

★☆☆☆☆

January 2, 2026

L.T. site is too difficult to use. laketrustcu.org login or C.D.s I get other sites except yours. Are you trying to loose customers?

Log in to reply Are you from Lake Trust Credit Union and want to reply to a review? Log in or register and verify yourself to reply as a representative from Lake Trust Credit Union.

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Average Rating

★☆☆☆☆

Total Reviews

Add Your Rating and Review for Lake Trust Credit Union

Frequently Asked Questions About Lake Trust Credit Union

How many branches does Lake Trust Credit Union operate?

Lake Trust Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lake Trust Credit Union?

Yes, to access services at Lake Trust Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lake Trust Credit Union 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 Trust Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lake Trust Credit Union offer online and mobile banking?

Most modern institutions like Lake Trust Credit Union 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.laketrust.org.