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

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Today's 12-month CD rates can be found at 5.20%, 6-month CD rates at 0.05% and 3-month CD rates at 3.66%. Current savings rates are at 0.20% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.75%. Credit Card rates are at 17.20%. Personal Loan rates are at 18.00%. All these rates, and more, can be found in our database of rates. Lake Shore Savings Bank's 9-Month CD special rates are at 5.01%, 14-Month CD special rates are at 4.90%, 22-Month CD special rates are at 3.50%, 57-Month CD special rates are at 3.15%. Lake Shore Savings Bank's savings rates are at 5.01%. Lake Shore Savings Bank's money market rates are at 4.95%. Lake Shore Savings Bank's 30-Year Fixed rates are at 8.25%, 20-Year Fixed rates are at 8.15%, 15-Year Fixed rates are at 7.50%, 10-Year Fixed rates are at 7.25%.

Lake Shore Savings Bank

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

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

Lake Shore Savings Bank Texas Ratio

Lake Shore Savings Bank's Texas Ratio is at 4.45%, which is considered excellent. The Texas Ratio for Lake Shore Savings Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Lake Shore Savings Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
5.01%
MMA
4.95%
30-Year Fixed
8.41%
Credit Card
N/A
Personal Loan
N/A
Lake Shore Savings Bank
128 E 4th St
Dunkirk, NY 14048
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Lake Shore Savings Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Lake Shore Savings Bank
Lake Shore Savings Bank
Savings Account
5.01%
$0
Lake Shore Savings Bank
Lake Shore Savings Bank
9-Month CD special
5.01%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
Money Market Saving
4.95%
$50,000
Lake Shore Savings Bank
Lake Shore Savings Bank
14-Month CD special
4.90%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
22-Month CD special
3.50%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
57-Month CD special
3.15%
$500
Show More

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

Lake Shore Savings Bank Mortgage Rates

Lender
Product
Rate
APR
Points
Lake Shore Savings Bank
Lake Shore Savings Bank
30-Year Fixed
8.250%
8.411%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
20-Year Fixed
8.150%
8.354%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
15-Year Fixed
7.500%
7.746%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
10-Year Fixed
7.250%
7.591%
0.000

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

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

Bank
Product
APY
Min Dep
Camden National Bank
Camden National Bank
7-Month CD Special
4.60%
$1,000
Elizabethton FSB
Elizabethton FSB
30-Month CD
2.02%
$1,000
First Citizens Bank
First Citizens Bank
18-Month CD
0.02%
$500
Colorado Federal Savings Bank
Colorado Federal Savings Bank
2-Month CD
0.75%
$5,000
Lewis & Clark Bank
Lewis & Clark Bank
Savings Account
0.05%
$100
Profinium, Inc.
Profinium, Inc.
18-Month CD
4.16%
$500
Yakima Federal S&L
Yakima Federal S&L
36-Month CD savers choice
0.40%
$500
Interstate Bank
Interstate Bank
36-Month CD
2.27%
$500
BankSouth GA
BankSouth GA
12-Month CD
4.63%
$500
St. Ansgar State Bank
St. Ansgar State Bank
6-Month CD
4.25%
$1,000
Belt Valley Bank
Belt Valley Bank
6-Month CD
1.00%
$500
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
N.O.W. Checking
0.35%
$1,000
Rising Bank
Rising Bank
24-Month CD
4.75%
$1,000
LendingClub
LendingClub
Rewards Checking
0.15%
$100,000
Abbey Credit Union
Abbey Credit Union
18-Month CD
4.60%
$500
Neffs National Bank
Neffs National Bank
30-Month CD
1.50%
$1,000
United Bank of Philadelphia
United Bank of Philadelphia
Personal Money Market Checking
0.02%
$1,500
Eastern Connecticut Savings Bank
Eastern Connecticut Savings Bank
12-Month CD
0.35%
$500
GTE Financial CU
GTE Financial CU
60-Month CD
3.04%
$500
Falcon National Bank
Falcon National Bank
Kasasa Cash Checking <- $25k
6.00%
$50
Comerica Bank & Trust, N.A.
Comerica Bank & Trust, N.A.
24-Month CD
0.10%
$1
State Bank of De Kalb
State Bank of De Kalb
60-Month CD
3.09%
$500
Tri-County Trust Company
Tri-County Trust Company
48-Month CD
2.53%
$1,000
Delaware NB of Delhi
Delaware NB of Delhi
12-Month CD
1.61%
$100
Ultima Bank Minnesota
Ultima Bank Minnesota
Money Market
0.45%
$2,500
First State Bank of Beecher City
First State Bank of Beecher City
6-Month CD
4.00%
$500
1st Bank Yuma
1st Bank Yuma
18-Month CD
0.45%
$1,000
Cleveland State Bank
Cleveland State Bank
28-Month CD special
4.01%
$5,000
Bank of Zachary
Bank of Zachary
6-Month CD
3.28%
$2,500
Bank of Hartington
Bank of Hartington
48-Month CD TDC
2.52%
$1,000
Peoples Bank Coldwater, KS
Peoples Bank Coldwater, KS
24-Month CD
3.02%
$500
FSB of Westmoreland
FSB of Westmoreland
48-Month CD
4.14%
$1,000
Walden Savings Bank
Walden Savings Bank
Money Market
0.35%
$2,500
WebBank
WebBank
60-Month CD
0.25%
$2,500
USLA Union S&L
USLA Union S&L
12-Month CD
0.30%
$1,000
Think Mutual Bank
Think Mutual Bank
24-Month CD
2.85%
$250
Haven Savings Bank
Haven Savings Bank
8-Month CD
5.00%
$500
Capital One Bank
Capital One Bank
12-Month CD
5.25%
$0
Ncb
Ncb
24-Month CD
2.00%
$1,000
North American Savings Bank (NASB)
North American Savings Bank (NASB)
11-Month CD special online
5.10%
$1,000
MCS Bank
MCS Bank
18-Month CD
0.42%
$1,000
NBT Financial Bank
NBT Financial Bank
24-Month Jumbo CD
3.55%
$250,000
Twin River Bank
Twin River Bank
12-Month CD
5.09%
$500
802 Credit Union
802 Credit Union
Regular Shares Savings
0.40%
$5
OSB Odin State Bank
OSB Odin State Bank
Regular Savings
0.60%
$10
Farmers Trust & Savings Bank Earling, IA
Farmers Trust & Savings Bank Earling, IA
12-Month CD
1.51%
$5,000
International Bank of Chicago
International Bank of Chicago
18-Month CD
2.00%
$1,000
Easthampton Savings Bank
Easthampton Savings Bank
24-Month CD
0.30%
$1,000
Hometown Bank of PA
Hometown Bank of PA
Passbook Savings
0.15%
$100
Cecil Bank
Cecil Bank
36-Month CD
0.40%
$500
Show More

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

Lake Shore Savings Bank Mortgage Rates

Lender
Product
Rate
APR
Points
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
Show More

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

Lake Shore Savings Bank Information

Lake Shore Savings Bank
128 E 4th St
Dunkirk, NY 14048
Chautauqua
Established Date: 01/01/1891
FDIC Certificate #: 30530
Date of FDIC Deposit Insurance: 12/19/1951
Bank Holding Company: LAKE SHORE MHC
How Many Domestic U.S. Offices? 12
How Many Branches are There? 12
Is Lake Shore Savings Bank FDIC Insured? Yes
What is Lake Shore Savings Bank's Cert number? 30530
What is the maximum amount for insured deposits? $250,000 per holder, per account

Lake Shore Savings Bank Financials

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

Explore Other Rate Deals

For the fourth consecutive week mortgage rates are higher in the most recent mortgage rates survey released yesterday morning by Freddie Mac. Fixed long term mortgage rates and short term adjustable mortgage rates are all higher in the Primary Mortgage Market Survey for the week ending December 9, 2010. Conforming fixed 30 year home mortgage rates are averaging 4.61 percent for the week ending December 9, 2010, up from the previous week’s average 30 year home mortgage  rate of 4.46 percent. Average mortgage discount points on 30 year home mortgage loans was 0.7 points, down from the prior week’s survey of 0.8 points.
Mortgage rates are mixed today, no major changes in average mortgage rates. Today's mortgage rates on 30 year home loans are averaging 4.03%, unchanged from yesterday’s average 30 year mortgage rate. Current mortgage rates on 15 year mortgage loans are averaging 3.33%, a decrease from yesterday’s average 15 year rate of 3.35%. 

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Lake Shore Savings Bank Reviews

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