Lake-Osceola State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.20%, 6-month CD rates at 0.45% and 3-month CD rates at 2.28%. Current savings rates are at 0.55% and money market rates are at 2.00%. Mortgage rates today on 30-year fixed loans are around 7.01%. Credit Card rates are at 8.90%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. Lake-Osceola State Bank's 11-Month CD (special) rates are at 4.32%, 25-Month CD (special) rates are at 3.55%, 60-Month CD rates are at 2.38%, 48-Month CD rates are at 2.38%, 36-Month CD rates are at 2.38%. Lake-Osceola State Bank's savings rates are at 0.15%. Lake-Osceola State Bank's money market rates are at 3.56%.

Lake-Osceola State Bank

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

Lake-Osceola State Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lake-Osceola State Bank? Share your experience about Lake-Osceola State Bank by leaving a review below, or read customer reviews before you decide to use Lake-Osceola State Bank.

Lake-Osceola State Bank Texas Ratio

Lake-Osceola State Bank's Texas Ratio is at 4.13%, which is considered excellent. The Texas Ratio for Lake-Osceola State Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Lake-Osceola State Bank 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
2.27%
18-Month CD
2.27%
24-Month CD
2.27%
36-Month CD
2.38%
48-Month CD
2.38%
60-Month CD
2.38%
Savings
0.15%
MMA
3.56%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Lake-Osceola State Bank
790 Michigan Ave
Baldwin, MI 49304
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Lake-Osceola State Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Lake-Osceola State Bank
Lake-Osceola State Bank
11-Month CD (special)
4.32%
$10,000
Lake-Osceola State Bank
Lake-Osceola State Bank
Money Market
3.56%
$1,000
Lake-Osceola State Bank
Lake-Osceola State Bank
25-Month CD (special)
3.55%
$10,000
Lake-Osceola State Bank
Lake-Osceola State Bank
60-Month CD
2.38%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
48-Month CD
2.38%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
36-Month CD
2.38%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
24-Month CD
2.27%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
18-Month CD
2.27%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
12-Month CD
2.27%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
Savings
0.15%
$0
Lake-Osceola State Bank
Lake-Osceola State Bank
Interest Checking
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.

Compare Lake-Osceola State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Vanguard
Vanguard
84-Month CD (brokered)
5.25%
$1,000
Fayette Savings Bank, SSB
Fayette Savings Bank, SSB
6-Month CD
5.00%
$1,000
Profinium, Inc.
Profinium, Inc.
6-Month CD
5.00%
$500
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
24-Month CD
4.85%
$5,000
ACMG Federal Credit Union
ACMG Federal Credit Union
24-Month CD
4.85%
$1,000
First Internet Bank of Indiana
First Internet Bank of Indiana
24-Month CD
4.76%
$1,000
Interstate Bank
Interstate Bank
12-Month CD (Jumbo)
4.47%
$100,000
Centinel Bank of Taos
Centinel Bank of Taos
12-Month CD
4.35%
$1,000
Bank of Clovis
Bank of Clovis
60-Month CD
4.33%
$5,000
Busey Bank
Busey Bank
7-Month CD (special)
4.30%
$1,000
Hinsdale Bank & Trust Company
Hinsdale Bank & Trust Company
23-Month CD
4.25%
$1,000
Commerce Bank & Trust
Commerce Bank & Trust
18-Month CD
4.07%
$500
Freedom Bank of Virginia
Freedom Bank of Virginia
Freedom4Savings Business Money Market
4.00%
$25,000
Sikorsky Credit Union
Sikorsky Credit Union
25-Month CD
3.75%
$500
Vystar Credit Union
Vystar Credit Union
36-Month CD
3.60%
$500
Academic Federal Credit Union
Academic Federal Credit Union
24-Month CD
3.56%
$1,000
Rhinebeck Bank
Rhinebeck Bank
12-Month CD
3.55%
$1,000
First B&T Co. Perry, OK
First B&T Co. Perry, OK
48-Month CD
3.45%
$1,500
Atkins Savings B&T
Atkins Savings B&T
36-Month CD (Adjust-A-Rate)
3.28%
$1,000
FSB of Golva
FSB of Golva
6-Month CD
3.00%
$1,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
48-Month CD
3.00%
$500
Abound Federal Credit Union
Abound Federal Credit Union
12-Month CD
3.00%
$500
ACFCU
ACFCU
48-Month CD
3.00%
$1,000
Gateway Commercial Bank
Gateway Commercial Bank
36-Month CD
2.53%
$1,000
Homeland Community Bank
Homeland Community Bank
60-Month CD
2.50%
$500
Community Bank of Cameron
Community Bank of Cameron
48-Month CD
2.42%
$1,000
F&M Bank Miamisburg, OH
F&M Bank Miamisburg, OH
48-Month CD
2.30%
$1,000
Community Bank Bristow, OK
Community Bank Bristow, OK
60-Month CD
2.26%
$1,000
Union County Savings Bank Elizabeth, NJ
Union County Savings Bank Elizabeth, NJ
36-Month CD
2.25%
$500
Unison Bank
Unison Bank
30-Month CD
2.00%
$2,500
Leighton State Bank
Leighton State Bank
6-Month CD
1.81%
$500
NCS Bank
NCS Bank
36-Month CD
1.26%
$500
Essex Savings Bank
Essex Savings Bank
60-Month CD
1.17%
$500
Home State Bank Royal, IA
Home State Bank Royal, IA
Now Checking
1.00%
$1,000
United Orient Bank
United Orient Bank
12-Month CD
1.00%
$500
FNB Bank, Inc. Romney, WV
FNB Bank, Inc. Romney, WV
6-Month CD
0.75%
$1,000
Monson Savings Bank
Monson Savings Bank
Money Market
0.75%
$0
Woodsville Guaranty Savings Bank
Woodsville Guaranty Savings Bank
48-Month CD
0.70%
$1,000
Federation Bank
Federation Bank
18-Month CD
0.60%
$500
Wells River Savings Bank
Wells River Savings Bank
36-Month CD
0.60%
$200
Commonwealth Co-operative Bank
Commonwealth Co-operative Bank
48-Month CD
0.50%
$1,000
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
Money Market
0.50%
$2,500
FSB of Aliceville, Kansas
FSB of Aliceville, Kansas
Savings
0.25%
$0
North Shore Bank
North Shore Bank
36-Month CD
0.20%
$1,000
Northwest Community Bank
Northwest Community Bank
12-Month CD
0.20%
$500
SSB Sherwood State Bank
SSB Sherwood State Bank
24-Month CD
0.20%
$1,000
TTNB Turbotville Bank
TTNB Turbotville Bank
Statement Savings
0.20%
$10
First Horizon
First Horizon
12-Month CD
0.10%
$1,000
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
Money Market
0.05%
$0
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
Money Market MMIA
0.05%
$1,000
Show More

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

Mortgage Rates July 19, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
5.500%
5.908%
2.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
Show More

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

Lake-Osceola State Bank Information

Lake-Osceola State Bank
790 Michigan Ave
Baldwin, MI 49304
Lake
Established Date: 01/01/1908
FDIC Certificate #: 8172
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: LAKE FINANCIAL CORP
How Many Domestic U.S. Offices? 11
How Many Branches are There? 11
Is Lake-Osceola State Bank FDIC Insured? Yes
What is Lake-Osceola State Bank's Cert number? 8172
What is the maximum amount for insured deposits? $250,000 per holder, per account

Lake-Osceola State Bank Financials

Total Assets:
$414,628,000
Total Deposits:
$359,037,000
Equity Capital:
$32,712,000
Domestic Deposits:
$359,037,000
Net Income:
$1,437,000
Return on Assets:
1.0961%
Quarterly Return on Assets:
1.4100%
Pretax Return on Assets:
1.7383%
Pretax Quarterly Return on Assets:
1.7400%
Return on Equity:
13.2000%
Quarterly Return on Equity:
18.4000%
Common Equity Tier 1 Capital Ratio:
16.1801%
Tier 1 Risk-Based Capital Ratio:
16.1801%
Leverage Tier 1 (Core Capital) Ratio:
10.8491%
Total Risk-Based Capital Ratio (YTD):
17.2292%
Total Interest Income (YTD):
3.8137%
 
 
Headquarters:
Baldwin
FDIC Field Office:
Detroit
Regulator:
FDIC
County:
Lake
# of Offices:
11
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

Explore Other Rate Deals

Getting the best car insurance quotes from several different insurance companies can be easily done online these days. Deciding on which types of auto insurance coverage and how much coverage you want is up to you. You need auto insurance coverage to protect yourself financially from having to pay for any property damage. The state of California has set a minimum amount of auto insurance liability coverage in order to register your vehicle so you will have to at least get the minimum. The California Insurance Code has a minimum liability coverage of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person and $5,000 for damage to property.
Mortgage rates have made several record lows the past month and are hovering just above an all-time low. As a result of low mortgage rates homeowners are refinancing their mortgage to a lower rate often choosing a 15 year loan instead of a 30 year loan. Current mortgage rates on 30 year home loans are averaging 4.23%, up from yesterday's average 30 year mortgage rate of 4.18%. Mortgage rates on 15 year mortgages are averaging 3.38%, up slightly from yesterday’s average 15 year mortgage rate of 3.37%.
If you live in Virginia and are looking for the best auto loans rates you can search our auto loan rate list. We search our rate list for a 48 month loan ($25,000) for a new auto in the State of Virginia. Right now on our list Bank of America has the lowest rate available. Bank of America's current rate is 3.49 percent with 0.00% rate discounts. The monthly payment on a $25,000 loan comes to $454.68.

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