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: 3.00%, MMA: 3.30%

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Lake Trust Credit Union

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Lake Trust Credit Union Rates & Review October 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Lake Trust Credit Union's top rates as of October 13, 2026 are 4.35% APY on its 25 Month CD Plus, 3.00% APY on savings, 3.30% APY on money market accounts, 0.10% APY on checking, personal loans from 10.75% APR, and credit cards from 11.65% APR, according to rates verified by MonitorBankRates. Other Lake Trust Credit Union CD rates include 25 Month IRA CD Plus at 4.35%, Business CD Plus - 25 month at 4.35%, and CD Plus: 25-month at 4.35%. MonitorBankRates evaluates the financial stability of Lake Trust Credit Union with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.91%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

6.91%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Lake Trust Credit Union
Headquarters

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

https://www.laketrust.org

Customer Reviews

1.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Lake Trust Credit Union CD Rates

Product	Rate	APY	Term
25 Month CD Plus	4.27%	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular CD upon maturity; penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
25 Month IRA CD Plus	4.27%	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular IRA CD upon maturity; penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
CD Plus: 25-month	-	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular CD upon maturity; No monthly service fee; Early closing penalty: 90 days interest penalty for 25-month CD Plus; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
13 Month CD Plus	4.17%	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular CD upon maturity; penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
13 Month IRA CD Plus	4.17%	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular IRA CD upon maturity; penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
CD Plus: 13-month	-	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular CD upon maturity; No monthly service fee; Early closing penalty: 90 days interest penalty for 13-month CD Plus; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
7 Month CD Plus	4.03%	4.11%	7 month
Min Deposit $500 Details Converts to a 6-month regular CD upon maturity; penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
7 Month IRA CD Plus	4.03%	4.11%	7 month
Min Deposit $500 Details Converts to a 6-month regular IRA CD upon maturity; penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
CD Plus: 7-month	-	4.11%	7 months
Min Deposit $500 Details Converts to a 6-month regular CD upon maturity; No monthly service fee; Early closing penalty: 90 days interest penalty for 7-month CD Plus; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.11% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month Certificate of Deposit	3.59%	3.65%	12 - 23 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 13, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month Certificate of Deposit	3.59%	3.65%	12 - 23 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 13, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month IRA CD	3.59%	3.65%	12 - 23 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month IRA CD	3.59%	3.65%	12 - 23 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month Certificate of Deposit	3.59%	3.65%	6 - 11 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05% Oct 13, 20263.65%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month Certificate of Deposit	3.59%	3.65%	6 - 11 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05% Oct 13, 20263.65%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month IRA CD	3.59%	3.65%	6 - 11 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month IRA CD	3.59%	3.65%	6 - 11 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month Certificate of Deposit	3.49%	3.55%	12 - 23 Months
Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
48 - 59 Month Certificate of Deposit	3.45%	3.51%	48 - 59 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
48 - 59 Month IRA CD	3.45%	3.51%	48 - 59 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month IRA CD	3.49%	3.49%	12 - 23 Months
Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.49% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month Certificate of Deposit	3.25%	3.30%	12 - 23 Months
Min Balance $500 Details Balance: $500.00 - $3,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 - 23 Month IRA CD	3.25%	3.30%	12 - 23 Months
Min Balance $500 Details Balance: $500.00 - $3,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month Certificate of Deposit	3.25%	3.30%	3-5 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 3.30% ▲ 0.67 pts · high 3.30% / low 2.63% Oct 13, 20263.30%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month Certificate of Deposit	3.25%	3.30%	3-5 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 3.30% ▲ 0.67 pts · high 3.30% / low 2.63% Oct 13, 20263.30%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month IRA CD	3.25%	3.30%	3-5 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month IRA CD	3.25%	3.30%	3-5 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
36 - 47 Month Certificate of Deposit	3.25%	3.30%	36 - 47 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14% Oct 13, 20263.30%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
36 - 47 Month Certificate of Deposit	3.25%	3.30%	36 - 47 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14% Oct 13, 20263.30%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
36 - 47 Month IRA CD	3.25%	3.30%	36 - 47 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
36 - 47 Month IRA CD	3.25%	3.30%	36 - 47 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
48 - 59 Month Certificate of Deposit	3.20%	3.25%	48 - 59 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
48 - 59 Month IRA CD	3.20%	3.25%	48 - 59 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
36 - 47 Month Certificate of Deposit	3.10%	3.14%	36 - 47 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
36 - 47 Month IRA CD	3.10%	3.14%	36 - 47 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
48 - 59 Month Certificate of Deposit	3.05%	3.09%	48 - 59 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
48 - 59 Month IRA CD	3.05%	3.09%	48 - 59 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 - 35 Month Certificate of Deposit	3.01%	3.05%	24 - 35 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95% Oct 13, 20263.05%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 - 35 Month Certificate of Deposit	3.01%	3.05%	24 - 35 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95% Oct 13, 20263.05%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 - 35 Month IRA CD	3.01%	3.05%	24 - 35 Months
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month Certificate of Deposit	3.01%	3.05%	6 - 11 Months
Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month IRA CD	3.01%	3.05%	6 - 11 Months
Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 - 35 Month Certificate of Deposit	2.91%	2.95%	24 - 35 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 - 35 Month IRA CD	2.91%	2.95%	24 - 35 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 - 35 Month IRA CD	2.91%	2.95%	24 - 35 Months
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month Certificate of Deposit	2.81%	2.85%	6 - 11 Months
Min Balance $500 Details Balance: $500.00 - $3,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
6 - 11 Month IRA CD	2.81%	2.85%	6 - 11 Months
Min Balance $500 Details Balance: $500.00 - $3,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
2 Year Aspire CD	2.72%	2.75%	2 year
Min Deposit $50 Min Balance $50 Details Up to 2.72% APY compounded monthly; $50 minimum opening balance; additional deposit $10 min Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.75% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 Month Aspire CD	-	2.75%	24 months
Min Deposit $50 Details Goal-based account: set a savings goal (minimum $500); initial deposit of at least $50; maximum balance $10,000; additional deposits of $10 or more; no monthly service fee; early closing penalty if goal not met or if two withdrawals already completed within last 12 months: 180 days interest penalty; automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month Certificate of Deposit	2.60%	2.63%	3-5 Months
Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month IRA CD	2.60%	2.63%	3-5 Months
Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month Certificate of Deposit	2.35%	2.38%	3-5 Months
Min Balance $500 Details Balance: $500.00 - $3,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
3 - 5 Month IRA CD	2.35%	2.38%	3-5 Months
Min Balance $500 Details Balance: $500.00 - $3,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Business CD Rates

Product	Rate	APY	Term
Business CD Plus - 25 month	4.27%	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular Business CD upon maturity; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD Plus - 13 month	4.17%	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular Business CD upon maturity; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD Plus - 7 month	4.03%	4.11%	7 months
Min Deposit $500 Details Converts to a 6-month regular Business CD upon maturity; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 12-23 month	3.59%	3.65%	12-23 months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 12-23 month	3.59%	3.65%	12-23 months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 6-11 month	3.59%	3.65%	6-11 months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 48-59 month	3.45%	3.51%	48-59 months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.51% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 12-23 month	3.25%	3.30%	12-23 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 3-5 month	3.25%	3.30%	3-5 months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 3-5 month	3.25%	3.30%	3-5 months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 36-47 month	3.25%	3.30%	36-47 months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 36-47 month	3.25%	3.30%	36-47 months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 48-59 month	3.20%	3.25%	48-59 months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 36-47 month	3.10%	3.14%	36-47 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.14% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 48-59 month	3.05%	3.09%	48-59 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.09% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 24-35 month	3.01%	3.05%	24-35 months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 24-35 month	3.01%	3.05%	24-35 months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 6-11 month	3.01%	3.05%	6-11 months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 24-35 month	2.91%	2.95%	24-35 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.95% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 6-11 month	2.81%	2.85%	6-11 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business CD - 3-5 month	2.35%	2.38%	3-5 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99; Penalty for early withdrawals Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.38% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Savings Rates

Product	Rate	APY
Aspire Savings	2.96%	3.00%
Min Balance $0 Details Balance up to $5,000.00; Blended rate account: each dividend rate applies to the daily balance within its tier, balances over $5,000.00 produce a lower blended rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 - $249,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and up; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.29%	1.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,9999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,9999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.75%	0.75%
Min Deposit $1,000 Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Health Savings Account (HSA)	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 and up; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Health Savings Accounts (HSA)	-	0.30%
Min Deposit $0 Details Up to 0.30% APY; open by phone, at a Lake Trust relationship center, or via HSA contact form; Membership Savings Account required to establish membership and open HSA; no monthly service fee; no minimum balance; HSA debit card; interest is tax-free Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $0 Details Balance: $0.01 - $4,999.99; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Holiday Savings	0.05%	0.05%
Details Balance: All Balances; Funds dispersed October 1, including accumulated interest Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
IRA Savings	-	0.05%
Min Deposit $0 Min Balance $5 Details Visit any branch to open; $5 minimum balance to earn interest; Membership Savings Account required to establish membership; No monthly service fee; Traditional and Roth IRA contribution limits per page (2026: $7,500, or $8,600 age 50+); Roth IRA: no mandatory distribution; Traditional IRA: mandatory distribution at age 73; Must open in branch Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Membership Savings	0.05%	0.05%
Min Deposit $5 Details Balance: All Balances; Membership share accounts must maintain a $5 minimum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $3,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Special Savings	0.05%	0.05%
Details Balance: All Balances Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Youth Membership Savings	0.05%	0.05%
Details Balance: All Balances Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Youth Membership Savings	-	0.05%
Min Deposit $5 Details Adult age 18 or older required to open; adult becomes joint owner when opening for a child; adult must be a member; ATM card available, 2 ATM service fees returned monthly for child under 18; no monthly account fee for child under 18; online and mobile banking for children age 14 and older; converts to Membership Savings at age 19; Interest compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-$99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.70%	0.70%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$1,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Savings	0.05%	0.05%
Min Deposit $5 Details Balance: All Balances; Rate may change after account is opened; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Money Market Rates

Product	Rate	APY
Money Market Premium	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and up; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
HSA Money Market	3.20%	3.25%
Min Balance $100,000 Details Balance: $100,000.00 and up; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
HSA Money Market	2.96%	3.00%
Min Balance $500,000 Details Balance: $50,0000.00 - $99,999.99; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $750,000 Details Balance: $750,000.00 - $999,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
HSA Money Market	2.72%	2.75%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $749,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25% Sep 18, 20262.75%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	2.47%	2.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	2.23%	2.25%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $50,0000.00 - $99,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	1.98%	2.00%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Plus	-	1.65%
Min Deposit $1,000 Details Up to 1.65% APY; Monthly $10 fee, waived with minimum $1,000 daily account balance; no minimum balance required to earn dividends; tiered interest rate based on balance; Interest compounded monthly; Free checks Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 1.65% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 - $249,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and up; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings Plus	1.29%	1.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,9999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,9999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.75%	0.75%
Min Deposit $1,000 Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $3,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
HSA Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0.01 - $24,999.99; Rate may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Money Market Premium	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $24,999.99; $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,499,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: $2,500,000.00-$4,999,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $5,000,000 Details Balance: $5,000,000.00+ Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $750,000 Details Balance: $750,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	2.23%	2.25%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $749,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	1.54%	1.55%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	1.29%	1.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-$99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.70%	0.70%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$1,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Money Market Premium	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Checking Rates

Product	Rate	APY	View More
Money Market Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details $1,000 minimum opening balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000.00 and up; Rate may change after account is opened; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC): Primary Residence	-	-	6.75%
Details As Low As; Variable Rate Line of Credit; Primary rate adjusted quarterly, Current Rate 6.75%; Maximum combined LTV up to 95% Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: First Lien, Primary	-	-	7.13%	Up to 120 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 7.13% to 8.28%; Maximum combined LTV up to 90% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.13% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: First Lien, Primary	-	-	7.28%	Up to 180 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 7.28% to 8.43%; Maximum combined LTV up to 90% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.28% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: First Lien, Primary	-	-	7.63%	Up to 240 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 7.63% to 8.78%; Maximum combined LTV up to 90% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.63% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: Second Lien, Primary	-	-	8.08%	Up to 120 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 8.08% to 9.23%; Maximum combined LTV up to 90% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.08% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: Second Lien, Primary	-	-	8.28%	Up to 180 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 8.28% to 9.43%; Maximum combined LTV up to 90% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.28% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: Second Lien, Primary	-	-	8.63%	Up to 240 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 8.63% to 9.78%; Maximum combined LTV up to 90% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.63% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: First Lien, Non-Primary	-	-	9.88%	Up to 120 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 9.88% to 11.03%; Maximum combined LTV up to 70% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.88% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: First Lien, Non-Primary	-	-	10.08%	Up to 180 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 10.08% to 11.23%; Maximum combined LTV up to 70% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.08% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed Home Equity Loan: First Lien, Non-Primary	-	-	10.43%	Up to 240 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 10.43% to 11.58%; Maximum combined LTV up to 70% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.43% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.64%	Up to 36 months
Details As Low As; Model Years: New - 2024; APR range 5.64% to 14.49%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.64% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	5.74%	Up to 48 months
Details As Low As; Model Years: New - 2024; APR range 5.74% to 14.59%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	5.89%	Up to 36 months
Details As Low As; Model Years: 2018 - 2023 (145K miles or less); APR range 5.89% to 14.74%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64% Oct 13, 20265.89%▲ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	5.99%	Up to 48 months
Details As Low As; Model Years: 2018 - 2023 (145K miles or less); APR range 5.99% to 14.84%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 13, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.29%	Up to 60 months
Details As Low As; Model Years: New - 2024; APR range 6.29% to 14.79%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.04% → 6.29% ▲ 0.25 pts · high 6.29% / low 6.04% Oct 13, 20266.29%▲ from 6.04% Sep 14, 20266.04%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.39%	Up to 75 months
Details As Low As; Model Years: New - 2024; APR range 6.39% to 15.19%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.39% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.39%	Up to 60 months
Details As Low As; Model Years: 2018 - 2023 (145K miles or less); APR range 6.39% to 15.04%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 6.39% ▼ 0.15 pts · high 6.54% / low 6.39% Oct 13, 20266.39%▼ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.49%	Up to 84 months
Details As Low As; Model Years: New - 2024; APR range 6.49% to 15.69%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.49%	Up to 75 months
Details As Low As; Model Years: 2018 - 2023 (145K miles or less); APR range 6.49% to 15.44%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.49%	Up to 36 months
Details As Low As; Model Years: 2017 & Older (145K miles or less); APR range 6.49% to 15.24%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.64% → 6.49% ▲ 0.85 pts · high 6.49% / low 5.64% Oct 13, 20266.49%▲ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.59%	Up to 84 months
Details As Low As; Model Years: 2018 - 2023 (145K miles or less); APR range 6.59% to 15.94%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.59% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.59%	Up to 48 months
Details As Low As; Model Years: 2017 & Older (145K miles or less); APR range 6.59% to 15.34%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 6.59% ▲ 0.85 pts · high 6.59% / low 5.74% Oct 13, 20266.59%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Auto Loan	-	-	6.79%	Up to 60 months
Details As Low As; Model Years: 2017 & Older (145K miles or less); APR range 6.79% to 15.54%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54% Oct 13, 20266.79%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Vehicle Microloan - Business Vehicle New - 2024	-	-	6.99%	Up to 84 Months
Details As Low As; APR range 6.99% to 16.69%; Model Years: New - 2024 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Vehicle Microloan - Business Vehicle 2023 - 2018 (175K miles or less)	-	-	7.24%	Up to 84 Months
Details As Low As; APR range 7.24% to 16.94%; Model Years: 2023 - 2018 (175K miles or less) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Vehicle Microloan - Business Vehicle 2017 & Older (175K miles or less)	-	-	7.74%	Up to 84 Months
Details As Low As; APR range 7.74% to 17.44%; Model Years: 2017 & Older (175K miles or less) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Other Vehicle Loan	-	-	9.70%	Up to 48 Months
Details As Low As; Minimum Amount to Finance: No Minimum; APR range 9.70% to 18.20%; Includes Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.70% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Other Vehicle Loan	-	-	9.95%	Up to 60 Months
Details As Low As; Minimum Amount to Finance: $5,000; APR range 9.95% to 18.45%; Includes Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Other Vehicle Loan	-	-	10.20%	Up to 72 Months
Details As Low As; Minimum Amount to Finance: $10,000; APR range 10.20% to 18.70%; Includes Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.20% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Other Vehicle Loan	-	-	10.45%	Up to 84 Months
Details As Low As; Minimum Amount to Finance: $15,000; APR range 10.45% to 18.95%; Includes Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.45% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	6.24%	Up to 84 Months
Details As Low As; Model Years: New - 2025; APR range 6.24% to 14.74%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	6.49%	Up to 84 Months
Details Model Years: 2020 - 2024; APR range 6.49% to 14.99%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	6.54%	Up to 120 Months
Details As Low As; Model Years: New - 2025; APR range 6.54% to 15.04%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.54% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	6.79%	Up to 120 Months
Details Model Years: 2020 - 2024; APR range 6.79% to 15.29%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	6.84%	Up to 144 Months
Details As Low As; Model Years: New - 2025; APR range 6.84% to 15.34%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.84% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	6.99%	Up to 84 Months
Details Model Years: 2019 & Older; APR range 6.99% to 15.49%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.09%	Up to 144 Months
Details Model Years: 2020 - 2024; APR range 7.09% to 15.59%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.09% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.14%	Up to 180 Months
Details As Low As; Model Years: New - 2025; APR range 7.14% to 15.64%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.14% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	7.24%	Up to 66 Months
Details As Low As; Model Years: New - 2025; APR range 7.24% to 15.74% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.29%	Up to 120 Months
Details Model Years: 2019 & Older; APR range 7.29% to 15.79%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.29% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.39%	Up to 180 Months
Details Model Years: 2020 - 2024; APR range 7.39% to 15.89%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	7.49%	Up to 84 Months
Details As Low As; Model Years: New - 2025; APR range 7.49% to 15.99% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.59%	Up to 144 Months
Details Model Years: 2019 & Older; APR range 7.59% to 16.09%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.59% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.74%	Up to 240 Months
Details As Low As; Model Years: New - 2025; APR range 7.74% to 16.24%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	7.74%	Up to 66 Months
Details Model Years: 2020 - 2024; APR range 7.74% to 16.24% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.89%	Up to 180 Months
Details Model Years: 2019 & Older; APR range 7.89% to 16.39%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	7.99%	Up to 240 Months
Details Model Years: 2020 - 2024; APR range 7.99% to 16.49%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	7.99%	Up to 96 Months
Details As Low As; Model Years: New - 2025; APR range 7.99% to 16.49% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 7.99% ▼ 1.50 pts · high 9.49% / low 7.99% Oct 13, 20267.99%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	7.99%	Up to 84 Months
Details Model Years: 2020 - 2024; APR range 7.99% to 16.49% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 13, 20267.99%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Boat Loan	-	8.49%	Up to 240 Months
Details Model Years: 2019 & Older; APR range 8.49% to 16.99%; 0.25% member discount available, not included in range Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	8.49%	Up to 120 Months
Details As Low As; Model Years: New - 2025; APR range 8.49% to 16.99% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 8.49% ▼ 1.50 pts · high 9.99% / low 8.49% Oct 13, 20268.49%▼ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	8.49%	Up to 96 Months
Details Model Years: 2020 - 2024; APR range 8.49% to 16.99% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 8.49% ▼ 1.00 pts · high 9.49% / low 8.49% Oct 13, 20268.49%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	8.74%	Up to 66 Months
Details Model Years: 2019 & Older; APR range 8.74% to 17.24% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	8.99%	Up to 120 Months
Details Model Years: 2020 - 2024; APR range 8.99% to 17.49% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 8.99% ▼ 1.00 pts · high 9.99% / low 8.99% Oct 13, 20268.99%▼ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	8.99%	Up to 84 Months
Details Model Years: 2019 & Older; APR range 8.99% to 17.49% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 8.99% ▲ 1.50 pts · high 8.99% / low 7.49% Oct 13, 20268.99%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	9.49%	Up to 96 Months
Details Model Years: 2019 & Older; APR range 9.49% to 17.99% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Motorcycle Loan	-	9.99%	Up to 120 Months
Details Model Years: 2019 & Older; APR range 9.99% to 18.49% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Credit Card Rates

Product	Rate	APR
Platinum Elite Visa	-	11.65%
Details As Low As; Variable; APR range 11.65% to 18.65%; Balance Transfer APR 14.65% to 21.65%; Cash Advance APR 14.65% to 21.65% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.65% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Business Visa Platinum Rewards	-	12.65%
Details Variable; Balance Transfer APR 12.65%; Cash Advance APR 12.65%; Minimum $1,000; APR subject to change monthly based on Prime Rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.65% APR · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Platinum Elite Rewards Visa	-	13.65%
Details As Low As; Variable; APR range 13.65% to 20.65%; Balance Transfer APR 16.65% to 23.65%; Cash Advance APR 16.65% to 23.65% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.65% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Personal Loan Rates

Product	APR	Term
Unsecured/Signature Loan	10.75%	Up to 120 month
Details Term: Up to 120 monthly payments; As Low As; Interest: As low as 10.75% APR; Minimum loan amount: $500; Predictable monthly payments over a fixed term; Good for a large single purchase or expense; No collateral required; No application fee; No pre-payment penalty; Up to 120 monthly payments or single payment terms; APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective September 21, 2026 and subject to change. Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 10.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Personal Unsecured/Signature Loan	14.75%	Maximum 84 Months
Details As Low As; Minimum: $500; APR range 14.75% to 22.35% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 14.75% ▲ 0.25 pts · high 14.75% / low 14.50% Sep 22, 202614.75%▲ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Personal Line of Credit	16.00%
Details As Low As; Interest: 16.00% APR; 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; APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective September 21, 2026 and subject to change. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Lake Trust Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Line of Credit Microloan	-	-	16.00%
Details Minimum Amount to Finance: No Minimum; Minimum monthly payment is a percentage of outstanding balance (minimum $17.50/month) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Life Impact Loan	-	-	13.50%	Up to 24 Months
Details Maximum Amount to Finance: $4,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 13.25% → 13.50% ▲ 0.25 pts · high 13.50% / low 13.25% Sep 22, 202613.50%▲ from 13.25% Sep 14, 202613.25%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Holiday Savings	-	-	0.05%
Min Deposit $0 Details Must open account in branch; balance moved to Membership Savings each year on October 1; choose the account the balance moves to; Membership Savings Account required to establish membership; No monthly service fee; No minimum balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
IRA CD Plus: 13-month	-	-	4.25%	13 months
Min Deposit $500 Details IRA options: traditional, Roth, inherited, or Coverdell; Converts to a 12-month regular IRA CD upon maturity; No monthly service fee; Early closing penalty: 90 days interest penalty for 13-month IRA CD Plus; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
IRA CD Plus: 25-month	-	-	4.35%	25 months
Min Deposit $500 Details IRA options: traditional, Roth, inherited, or Coverdell; Converts to a 24-month regular IRA CD upon maturity; No monthly service fee; Early closing penalty: 90 days interest penalty for 25-month IRA CD Plus; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
IRA CD Plus: 7-month	-	-	4.11%	7 months
Min Deposit $500 Details IRA options: traditional, Roth, inherited, or Coverdell; Converts to a 6-month regular IRA CD upon maturity; No monthly service fee; Early closing penalty: 90 days interest penalty for 7-month IRA CD Plus; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.11% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Membership Savings	-	-	0.05%
Min Deposit $5 Details Membership Savings Account required to establish membership; Monthly $3 fee, waived with other active non-savings products regardless of balance, OR if a $300 balance is maintained in Membership Savings account; Free Online and Mobile Banking; Interest compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Save to Win	2.85%	-	2.89%
Min Deposit $25 Details Term N/A; $25 minimum opening balance; earn one prize entry per $25 balance increase, up to $5,000 prizes Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.89% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Save To Win	-	-	2.89%	12 months
Min Deposit $25 Details Every $25 deposit (up to 100/month) gives a chance to win a quarterly or monthly cash prize; No monthly service fee; Additional deposits allowed; Early closing penalty: $25 fee; One withdrawal allowed per term: $25 fee; No maximum balance or deposit amount; No maximum or minimum withdrawal; Automatic renewal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.89% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Special Savings	-	-	0.05%
Min Deposit $0 Details Membership Savings Account required to establish membership; No monthly service fee; No minimum balance; Open as many Special Savings accounts as you need Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

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.
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Financial Health History

Lake Trust Credit Union’s Texas Ratio rose from 5.43% in Q3 2023 to 6.91% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.9B	6.91%	5.0	A
March 31, 2026	$2.9B	6.60%	5.0	A
December 31, 2025	$2.8B	7.67%	5.0	A
September 30, 2025	$2.7B	6.85%	5.0	A
June 30, 2025	$2.7B	6.49%	5.0	A
March 31, 2025	$2.7B	6.29%	5.0	A
December 31, 2024	$2.6B	6.53%	5.0	A
September 30, 2024	$2.6B	6.63%	5.0	A
June 30, 2024	$2.7B	5.48%	5.0	A+
March 31, 2024	$2.7B	5.29%	5.0	A+
December 31, 2023	$2.6B	5.92%	5.0	A+
September 30, 2023	$2.6B	5.43%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 517

Part-Time Employees 1

Branch Locations 25

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

6.91%

Return on Assets (ROA)

0.3480%

Return on Equity (ROE)

3.2108%

Non-Performing Loans Ratio (NPL)

1.06%

Total Assets

2,883,605,365

Total Amount of Shares and Deposits

2,546,060,783

Total Shares and Deposits < 1 Year

2,455,006,258

Total Shares and Deposits 1 3 Years

79,327,125

Total Shares and Deposits > 3 Years

11,727,400

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

493,524,566

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

493,524,566

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

2,052,536,217

Total Interest Expense (Sum of items 6 8)

17,349,504

Share Certificates

22,004

Number of Accounts for Share Drafts

120,503

IRA KEOGH Accounts

3,578

Number of Accounts for Regular Shares

201,879

Non Member Deposits

Money Market Shares

8,629

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

128,449,508

Total Liabilities

2,609,751,803

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Lake Trust Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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.

Want to discuss Lake Trust Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

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.

Current Lake Trust Credit Union Rates

12-Month CD2.85%
24-Month CD2.75%
60-Month CD3.09%
Savings3.00%
MMA3.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Lake Trust Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Lake Trust Credit Union Texas Ratio

Lake Trust Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Lake Trust Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Lake Trust Credit Union

How many branches does Lake Trust Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Lake Trust Credit Union offer online and mobile banking?

Current Lake Trust Credit Union Rates

Compare to Other Credit Unions