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

  1. Home
  2. Banks
  3. Lake Shore Savings Bank Deposit Rates
Today's 12-month CD rates can be found at 0.90%, 6-month CD rates at 5.30% and 3-month CD rates at 0.05%. Current savings rates are at 0.25% and money market rates are at 2.00%. Mortgage rates today on 30-year fixed loans are around 6.37%. Credit Card rates are at 18.00%. Personal Loan rates are at 10.00%. 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 4.65%, 14-Month CD (special) rates are at 4.35%, 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 4.75%. Lake Shore Savings Bank's 30-Year Fixed rates are at 7.75%, 20-Year Fixed rates are at 7.50%, 15-Year Fixed rates are at 7.25%, 10-Year Fixed rates are at 7.00%.

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
4.75%
MMA
N/A
30-Year Fixed
7.91%
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
4.75%
$0
Lake Shore Savings Bank
Lake Shore Savings Bank
9-Month CD (special)
4.65%
$500
Lake Shore Savings Bank
Lake Shore Savings Bank
14-Month CD (special)
4.35%
$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

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
7.500%
7.698%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
30-Year Fixed
7.750%
7.906%
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
Washita State Bank
Washita State Bank
6-Month CD
5.49%
$1,000
EagleBank
EagleBank
12-Month CD
5.30%
$1,000
SaviBank
SaviBank
Savi Checking
5.00%
$0
GCSB Swayzee, IN
GCSB Swayzee, IN
48-Month CD
4.52%
$1,000
Comerica
Comerica
9-Month CD (special)
4.50%
$5,000
F & C Bank
F & C Bank
9-Month CD (special)
4.46%
$10,000
Schaumburg Bank & Trust Company
Schaumburg Bank & Trust Company
23-Month CD
4.25%
$1,000
Mid-America Bank
Mid-America Bank
60-Month CD
4.04%
$500
Bethpage Federal Credit Union
Bethpage Federal Credit Union
6-Month CD
4.00%
$50
Beal Bank
Beal Bank
Money Market
4.00%
$25,000
Merchants Bank of Indiana
Merchants Bank of Indiana
24-Month CD
3.87%
$1,000
Exchange Bank and Trust Company
Exchange Bank and Trust Company
18-Month CD
3.85%
$1,000
Yampa Valley Bank
Yampa Valley Bank
48-Month CD
3.75%
$1,000
Mercer County State Bank
60-Month CD (IRA)
3.68%
$50
Farmers Savings Bank Colesburg, IA
Farmers Savings Bank Colesburg, IA
24-Month CD
3.53%
$20,000
Touchmark Bank
Touchmark Bank
36-Month CD
3.50%
$1,000
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
24-Month CD
3.50%
$500
Pentucket Bank
Pentucket Bank
18-Month CD
3.30%
$500
Pennsville National Bank
Pennsville National Bank
24-Month CD
3.04%
$500
River Bank
River Bank
24-Month CD
3.03%
$1,000
Bank Forward
Bank Forward
24-Month CD
3.00%
$500
Bank 21
Bank 21
48-Month CD
3.00%
$500
Mound City Bank
Mound City Bank
48-Month CD
2.75%
$2,500
PCB Payne County Bank
PCB Payne County Bank
6-Month CD
2.75%
$1,000
Peru Federal Savings Bank
Peru Federal Savings Bank
36-Month CD
2.60%
$1,000
Portage Community Bank
Portage Community Bank
36-Month CD
2.50%
$1,000
Prevail Bank
Prevail Bank
60-Month CD
2.27%
$1,000
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
Diamond Money Market
2.25%
$1,000,000
HomePride Bank
HomePride Bank
Kasasa Savings
2.02%
$50
1st University Credit Union
1st University Credit Union
18-Month CD
2.02%
$10,000
Southwest National Bank
Southwest National Bank
60-Month CD
2.00%
$500
State Bank of St. Jacob
State Bank of St. Jacob
36-Month CD
2.00%
$1,000
1st United Credit Union
1st United Credit Union
84-Month CD (bump)
2.00%
$250
Bank of Wolcott
Bank of Wolcott
36-Month CD
1.96%
$1,000
First Citizens State Bank
First Citizens State Bank
12-Month CD
1.75%
$1,000
1st Colonial Community Bank
1st Colonial Community Bank
36-Month CD
1.56%
$500
Security Bank Laurel, NE
Security Bank Laurel, NE
Advantage Money Market
1.51%
$100,000
West Pointe Bank
West Pointe Bank
Money Market
1.51%
$100,000
Clay County Savings Bank
Clay County Savings Bank
60-Month CD
1.50%
$500
Peoples B&T Co. Ryan, OK
Peoples B&T Co. Ryan, OK
60-Month CD
1.09%
$500
1st MidAmerica Credit Union
1st MidAmerica Credit Union
24-Month CD
0.80%
$1,000
FirstOak Bank
FirstOak Bank
24-Month CD
0.75%
$500
Unico Bank
Unico Bank
36-Month CD
0.55%
$1,000
Kearney Trust Company
Kearney Trust Company
Savings
0.50%
$0
Riverside Savings Bank
Riverside Savings Bank
24-Month CD
0.45%
$1,000
First National Bank of Shiner
First National Bank of Shiner
Savings
0.43%
$100
Bank of Cadiz and Trust Company
Bank of Cadiz and Trust Company
48-Month CD
0.40%
$500
First Seacoast Bank
First Seacoast Bank
12-Month CD
0.20%
$1,000
JTNB
JTNB
Savings
0.10%
$100
Dime Bank
Dime Bank
Money Market
0.03%
$20
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
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 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

Extremely low refinance rates are fueling refinance demand as homeowners take advantage of rates that are better than expected. In Freddie Mac's First Quarter of 2015 Refinance Report, refinance loans accounted for 63 percent of all single family home loan originations.

Already low mortgage rates will decline further in the coming days because of an extremely disappointing May jobs report. Markets expected 165,000 jobs were created in May but only 38,000 jobs were created. The bad news on employment sent 10 year bond yields down 14 basis points to 1.70 percent this past Friday.

Bank or Credit Union Offers and Deals

Auto Loan Rates: Average Rates This Week
Current Mortgage Rates: July 14, 2010
Mortgage Rates are Higher Once Again in MBA Mortgage Survey: 30 Year Mortgage Rates at 4.84%, 15 Year Mortgage Rates at 4.21%
Inflation is Creeping Up, Deposit Rates Will Move Higher in Early 2015
Share Savings Rates of 1.25% from State Farm Federal Credit Union
EH National Bank Money Market Account Rates now at 0.80%
Today's Mortgage Interest Rates: 30 Year Mortgage Rates Decline to 4.99%
Mortgage Rates Day After Christmas: 30 year Mortgage Rates & Refinance Rates at 4.77%, 30 Year Jumbo Mortgage Rates & Refinance Rates at 5.35%
The Probability of a Fed Funds Rate Hike Increases Again
Fed Acknowledges Current Policy Hurts Holders of Certificates of Deposit

Alternative Bank and Credit Union Offers to Explore

Fulton Bank Mortgage Rates Today
Citigroup Inc. to Acquire Wachovia
Auto Loan Rates San Jose
Average CD Rates - May 10, 2010
Capital One Money Market Account Rates + $500 Bonus
Personal Savings Rate Higher on Lower Gas Prices
Life Insurance - Finding the Best Life Insurance Company
Mortgage Rates Mixed Week: 30 Year Mortgage Rate at 4.05%
CBI Bank & Trust Mortgage Rates Today
Refinance Plan Proposed by Obama Administration Gains Steam as Refinance Rates Decline

Lake Shore Savings Bank Reviews

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

See how Lake Shore Savings Bank Compares to other banks