First Bank of the Lake CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

  1. Home
  2. Banks
  3. First Bank of the Lake Deposit Rates
Today's 12-month CD rates can be found at 0.50%, 6-month CD rates at 1.00% and 3-month CD rates at 0.03%. Current savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates today on 30-year fixed loans are around 6.74%. Credit Card rates are at 9.99%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates. First Bank of the Lake's 18-Month CD rates are at 4.30%, 12-Month CD rates are at 4.25%, 24-Month CD rates are at 4.20%, 60-Month CD rates are at 4.10%, 36-Month CD rates are at 3.95%.

First Bank of the Lake

To see how these rates compare to First Bank of the Lake CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First Bank of the Lake, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First Bank of the Lake CD rates. You can also compare First Bank of the Lake savings rates, MMA rates and mortgage rates using our other rate lists.

First Bank of the Lake 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 First Bank of the Lake? Share your experience about First Bank of the Lake by leaving a review below, or read customer reviews before you decide to use First Bank of the Lake.

First Bank of the Lake Texas Ratio

First Bank of the Lake's Texas Ratio is at 7.71%, which is considered excellent. The Texas Ratio for First Bank of the Lake is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, First Bank of the Lake is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.25%
18-Month CD
4.30%
24-Month CD
4.20%
36-Month CD
3.95%
48-Month CD
N/A
60-Month CD
4.10%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First Bank of the Lake
4558 Osage Beach Pkwy
Osage Beach, MO 65065
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

First Bank of the Lake CD Rates and Interest Rates

Bank
Product
APY
Min Dep
First Bank of the Lake
First Bank of the Lake
18-Month CD
4.30%
$1,000
First Bank of the Lake
First Bank of the Lake
12-Month CD
4.25%
$5,000
First Bank of the Lake
First Bank of the Lake
24-Month CD
4.20%
$1,000
First Bank of the Lake
First Bank of the Lake
60-Month CD
4.10%
$5,000
First Bank of the Lake
First Bank of the Lake
36-Month CD
3.95%
$5,000

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare First Bank of the Lake Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
IAM Federal Credit Union
IAM Federal Credit Union
18-Month CD
5.00%
$1,000
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
6-Month CD (Jumbo)
4.40%
$50,000
Community Bank and Trust - West Georgia
Community Bank and Trust - West Georgia
24-Month CD
4.30%
$500
First FSB of Mascoutah
First FSB of Mascoutah
60-Month CD
4.06%
$1,000
Total Direct Bank
Total Direct Bank
24-Month CD
4.00%
$25,000
Fidelity
Fidelity
18-Month CD
3.95%
$1,000
Huron Valley State Bank
Huron Valley State Bank
12-Month CD
3.75%
$500
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
36-Month CD
3.75%
$1,000
Randolph Brooks FCU
Randolph Brooks FCU
24-Month CD
3.75%
$1,000
Genoa Banking Company
48-Month CD
3.60%
$1,000
CorTrust Bank
CorTrust Bank
3-Month CD
3.50%
$2,500
Freedom Bank Huntingburg, IN
Freedom Bank Huntingburg, IN
36-Month CD
3.34%
$500
Academy Bank
Academy Bank
18-Month CD
3.29%
$500
River Bank
River Bank
18-Month CD
3.03%
$1,000
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
60-Month CD
3.00%
$1,000
Primary Bank
Primary Bank
18-Month CD
3.00%
$1,000
United Savings Bank Philadelphia, PA
United Savings Bank Philadelphia, PA
6-Month CD
3.00%
$1,000
Conway National Bank (CNB)
Conway National Bank (CNB)
48-Month CD
2.80%
$500
Lake Elmo Bank
Lake Elmo Bank
12-Month CD
2.68%
$1,000
BayVanguard Bank
BayVanguard Bank
60-Month CD
2.53%
$1,000
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
36-Month CD
2.49%
$1,000
Van Wert Federal Savings Bank
Van Wert Federal Savings Bank
60-Month CD
2.27%
$1,000
Flanagan State Bank
Flanagan State Bank
12-Month CD
2.25%
$500
First Southwest Bank
First Southwest Bank
Golden Eagle Money Market
2.25%
$1,500,000
Regional Missouri Bank
Regional Missouri Bank
Kasasa Savings
2.00%
$5
PSB Wellsburg, IA
PSB Wellsburg, IA
48-Month CD
1.95%
$1,000
Geddes Federal S&L
Geddes Federal S&L
36-Month CD
1.86%
$500
First State Bank New London, WI
First State Bank New London, WI
60-Month CD
1.77%
$5,000
Swedish-American State Bank
Swedish-American State Bank
12-Month CD
1.51%
$500
Home Loan State Bank
Home Loan State Bank
36-Month CD
1.10%
$1,000
United Minnesota Bank
United Minnesota Bank
18-Month CD
1.00%
$500
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
24-Month CD
0.95%
$1,000
Consumers Credit Union
Consumers Credit Union
12-Month CD
0.90%
$250
Peoples Trust Co. of St. Albans
Peoples Trust Co. of St. Albans
12-Month CD
0.80%
$500
F&M Bank Laotto, IN
F&M Bank Laotto, IN
Platinum Money Market
0.75%
$1,500
Lisle Savings Bank
Lisle Savings Bank
42-Month CD
0.75%
$2,000
Peoples First Savings Bank
Peoples First Savings Bank
48-Month CD
0.75%
$500
United Bank of Union
United Bank of Union
24-Month CD
0.65%
$500
Everett Co-operative Bank
Everett Co-operative Bank
12-Month CD
0.50%
$500
State Bank of Canton
State Bank of Canton
3-Month CD
0.50%
$500
ACFCU
ACFCU
Money Market
0.50%
$2,500
The Middlefield Banking Company
The Middlefield Banking Company
12-Month CD
0.45%
$500
American Bank of Baxter Springs
American Bank of Baxter Springs
36-Month CD
0.45%
$1,000
Eastern Connecticut Savings Bank
Eastern Connecticut Savings Bank
18-Month CD
0.40%
$500
Tioga-Franklin Savings Bank
Tioga-Franklin Savings Bank
Money Market Savings
0.35%
$100
MVSB
48-Month CD
0.30%
$500
Marblehead Bank
Marblehead Bank
Business Money Market
0.25%
$250,000
First National Bank of Steeleville
First National Bank of Steeleville
NOW Checking
0.15%
$250
Farmers State Bank Wathena, KS
Farmers State Bank Wathena, KS
Savings
0.10%
$100
InFirst Bank
InFirst Bank
Rewards Savings
0.05%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 12, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

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

First Bank of the Lake Information

First Bank of the Lake
4558 Osage Beach Pkwy
Osage Beach, MO 65065
Camden
Established Date: 05/15/1987
FDIC Certificate #: 26960
Date of FDIC Deposit Insurance: 05/15/1987
Bank Holding Company: FBOL BANCSHARES INC
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is First Bank of the Lake FDIC Insured? Yes
What is First Bank of the Lake's Cert number? 26960
What is the maximum amount for insured deposits? $250,000 per holder, per account

First Bank of the Lake Financials

Total Assets:
$1,165,328,000
Total Deposits:
$914,054,000
Equity Capital:
$90,773,000
Domestic Deposits:
$914,054,000
Net Income:
$4,350,000
Return on Assets:
0.9864%
Quarterly Return on Assets:
1.6300%
Pretax Return on Assets:
1.6276%
Pretax Quarterly Return on Assets:
1.6300%
Return on Equity:
10.8800%
Quarterly Return on Equity:
20.7200%
Common Equity Tier 1 Capital Ratio:
19.0915%
Tier 1 Risk-Based Capital Ratio:
19.0915%
Leverage Tier 1 (Core Capital) Ratio:
9.9958%
Total Risk-Based Capital Ratio (YTD):
19.7967%
Total Interest Income (YTD):
8.0688%
 
 
Headquarters:
Osage Beach
FDIC Field Office:
Springfield Mo
Regulator:
FDIC
County:
Camden
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates today are higher as we expected since 10 year Treasury yields rallied yesterday on sightly positive economic news on GDP. Growth slowed down in the second quarter as expected but the markets rallied because the number didn't come in less than expected as many feared.
cash-for-clunkers-to-end-this-mondayThe government is ending the cash for clunkers program on Monday since the program is running out of cash again.

Bank or Credit Union Offers and Deals

Houston, TX Auto Loan Rates
Mortgage Rates on All Five Mortgage Products Drop to Record Lows in MBA Survey
EverBank 6 Month Jumbo CD Rates now at 0.85%
Silvergate Bank Drastically Reduces Short Term CD Rates
Mortgage Rates Fall Yet Again: 30 Year Mortgage Rates at 4.60%, 15 Year Mortgage Rates at 3.95%
Maximizing Your FDIC Insurance Coverage
Mortgage Rates Decrease: 30 Year Mortgage Rates at 4.97%
Auto Loan Rates NJ
New Federal Reserve Rules for Home Mortgage Loans
USA One Credit Union 8 Month Step-Up CD Yield of 1.45%

Alternative Bank and Credit Union Offers to Explore

PNC Bank High Yield Savings Account
CD Rates: Finding the Best CD Rates
Mortgage Rates Drop
Home Mortgage Interest Rates: 30 Year Conforming Mortgage Rates at 4.32%, 30 Year Jumbo Mortgage Rates at 4.88%
Zions Bank Savings Interest Account Rates
Will my Auto Insurance Premium go up if I File an Auto Insurance Claim?
San Diego CD Rates
PNC Bank Rates and Reviews
Brokerage Certificate of Deposits
New Jersey (NJ) Jumbo Mortgage Rates Today

First Bank of the Lake Reviews

There are no reviews for First Bank of the Lake yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Bank of the Lake
Your Name:
Your Rating:

See how First Bank of the Lake Compares to other banks