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 4.00%, 6-month CD rates at 4.07% and 3-month CD rates at 1.61%. Current savings rates are at 1.50% and money market rates are at 0.01%. Mortgage rates today on 30-year fixed loans are around 6.66%. Credit Card rates are at 13.90%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates. Lake Shore Savings Bank's savings rates are at 4.30%. Lake Shore Savings Bank's 30-Year Fixed rates are at 7.50%.

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 4.70%, which is considered excellent. The Texas Ratio for Lake Shore Savings Bank is lower 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, 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
4.30%
MMA
N/A
30-Year Fixed
7.65%
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
4.30%
$0

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
10-Year Fixed
7.000%
7.339%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
15-Year Fixed
7.250%
7.494%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
20-Year Fixed
7.350%
7.547%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
30-Year Fixed
7.500%
7.654%
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
Mid-America Bank
Mid-America Bank
12-Month CD (Jumbo)
4.30%
$100,000
SaviBank
SaviBank
6-Month CD
4.25%
$500
BankPurley
BankPurley
12-Month CD
4.15%
$1,000
Community Bank of Missouri
Community Bank of Missouri
12-Month CD
4.06%
$500
Fidelity Bank West Memphis, AR
Fidelity Bank West Memphis, AR
6-Month CD
4.00%
$500
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
12-Month CD
4.00%
$5,000
Riverland Bank
Riverland Bank
36-Month CD
3.85%
$1,000
Bank of Clovis
Bank of Clovis
60-Month CD
3.56%
$5,000
The Bank of the West
The Bank of the West
12-Month CD
3.56%
$1,000
Integrity Bank & Trust
Integrity Bank & Trust
24-Month CD
3.55%
$500
Randolph Brooks FCU
Randolph Brooks FCU
48-Month CD
3.51%
$1,000
Monroe Federal S&L
Monroe Federal S&L
12-Month CD
3.50%
$1,000
Northern Bank Direct
Northern Bank Direct
48-Month CD
3.50%
$500
Old Dominion National Bank
Old Dominion National Bank
48-Month CD
3.40%
$500
Kish Bank
Kish Bank
48-Month CD
3.35%
$2,000
Lyons Federal Bank
Lyons Federal Bank
48-Month CD
3.24%
$50,000
Farmers and Drovers Bank
Farmers and Drovers Bank
6-Month CD
3.20%
$500
AVB Bank
AVB Bank
18-Month CD
3.12%
$1,000
Ixonia Bank
Ixonia Bank
Relationship Money Market
3.00%
$1,000,000
First Harvest Federal Credit Union
First Harvest Federal Credit Union
36-Month CD
2.50%
$1,000
First Southwest Bank
First Southwest Bank
Golden Eagle Money Market
2.50%
$1,500,000
State Bank of Cherry
36-Month CD
2.42%
$1,000
Fayetteville Bank
Fayetteville Bank
36-Month CD
2.25%
$1,000
Department of Commerce FCU
Department of Commerce FCU
48-Month CD
2.02%
$500
Farmers State Bank Victor, MT
Farmers State Bank Victor, MT
36-Month CD
2.02%
$1,000
First Sentinel Bank
First Sentinel Bank
Consumer Fed Funds Money Market
2.02%
$250,000
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
6-Month CD
2.00%
$1,000
Leader Bank
Leader Bank
48-Month CD
2.00%
$1,000
705 Federal Credit Union
705 Federal Credit Union
Super Green Money Market
2.00%
$50,000
First Fidelity Bank Fort Payne, AL
First Fidelity Bank Fort Payne, AL
12-Month CD
1.76%
$1,000
Elevate Bank
Elevate Bank
36-Month CD
1.71%
$1,000
Bank of Stronghurst
Bank of Stronghurst
60-Month CD
1.66%
$500
First Security Bank of Deer Lodge
First Security Bank of Deer Lodge
Regular Savings
1.00%
$50
FNB of Groton
FNB of Groton
18-Month CD
0.95%
$1,000
Bruning Bank
Bruning Bank
Money Market
0.85%
$1,000,000
Aroostook County FS&L Assoc.
Aroostook County FS&L Assoc.
3-Month CD
0.81%
$500
FCNB of St. Paris
Money Market
0.80%
$2,500
FNB of Scotia
FNB of Scotia
60-Month CD
0.73%
$500
Chester National Bank
Chester National Bank
18-Month CD
0.50%
$500
Community State Bank Starke, FL
Community State Bank Starke, FL
36-Month CD
0.40%
$1,000
UCB Milford, IA
UCB Milford, IA
Passbook Savings
0.35%
$0
The Valley State Bank
The Valley State Bank
24-Month CD
0.30%
$500
Associated Bank
Associated Bank
Select Money Market Platinum
0.25%
$1,000
PSB of Plainview
PSB of Plainview
Money Market
0.20%
$2,500
Collins State Bank
Collins State Bank
Savings
0.15%
$100
First Citizens State Bank
First Citizens State Bank
Money Market
0.10%
$0
Manasquan Bank
Manasquan Bank
Regular Savings
0.10%
$10
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
6-Month CD
0.10%
$1,000
Commonwealth Co-operative Bank
Commonwealth Co-operative Bank
Premier Checking
0.05%
$1,500
F&M Bank Laotto, IN
F&M Bank Laotto, IN
Easy Interest Checking
0.01%
$50
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
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
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 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: 08/09/1989
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:
$717,061,000
Total Deposits:
$599,302,000
Equity Capital:
$82,781,000
Domestic Deposits:
$599,302,000
Net Income:
$1,068,000
Return on Assets:
0.8045%
Quarterly Return on Assets:
0.5900%
Pretax Return on Assets:
0.7025%
Pretax Quarterly Return on Assets:
0.7000%
Return on Equity:
7.3200%
Quarterly Return on Equity:
5.1700%
Leverage Tier 1 (Core Capital) Ratio:
12.4910%
Total Interest Income (YTD):
5.0567%
 
 
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 Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates were mixed in the latest Weekly Mortgage Application Survey released yesterday morning by the MBA. The current average contract 30 year mortgage rate decreased to 4.81 percent for the week ending June 4, 2010, a decline from the previous week when 30 year mortgage rates averaged 4.83 percent. Average mortgage discount points decreased to 1.02 points, down from the prior week’s average of 1.05 points.
Long term fixed mortgage rates reached another record low in this week's Primary Mortgage Market Survey released this morning by Freddie Mac. Conventional fixed 30 year home mortgage rates and conventional 15 year home mortgage rates hit new all-time low. 5 year adjustable mortgage rates tied an all-time low hit on October 7, 2010. 1 year adjustable mortgage rates were slightly higher in this week's mortgage survey.
Colorado Federal Savings Bank Savings Jumbo rates are now at 0.85 percent with a yield of 0.85 percent. View current Savings Jumbo rates at Colorado Federal Savings Bank below.

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