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Advertiser Disclosure
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 Lake Superior Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Lake Superior Credit Union's 12 Month to 60 Month CD of Deposit rates are at 0.25%, 6 Month CD of Deposit rates are at 0.25%, CD - 12 Month to 60 Month CD of Deposit rates are at 0.25%, 3 Month CD of Deposit rates are at 0.15%. Lake Superior Credit Union's savings rates are at 0.25%. Lake Superior Credit Union's Personal Loan Rates are as low as 8.00%. Lake Superior Credit Union's CD rates are 92% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Lake Superior Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.61%. Rates last updated and verified on 10/29/2026. Lake Superior Credit Union 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 Superior Credit Union? Share your experience about Lake Superior Credit Union by leaving a review below, or read customer reviews before you decide to use Lake Superior Credit Union. Lake Superior Credit Union
Lake Superior Credit Union 801 River St
https://lscu.virtualcu.net/ Ontonagon, MI 49953-1620  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Lake Superior Credit Union CD Rates
Lake Superior Credit Union Savings Rates
Lake Superior Credit Union Checking Rates
Lake Superior Credit Union Auto Loan Rates
Lake Superior Credit Union RV, Boat and Powersport Loan Rates
Lake Superior Credit Union Personal Loan Rates
Lake Superior Credit Union Other Rates
Financial Health HistoryLake Superior Credit Union’s Texas Ratio fell from 3.97% in Q3 2023 to 0.61% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Lake Superior Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Lake Superior Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Lake Superior Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Lake Superior Credit Union
Website
https://lscu.virtualcu.net/
Address
801 River St,
Ontonagon, MI 49953-1620
Phone
906-884-2069
Fax
906-884-2929
President
Peggy Elmblad
CEO
Renee Niemi
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.61%
Return on Assets (ROA)
1.0940%
Return on Equity (ROE)
7.6409%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
11,158,532
Total Amount of Shares and Deposits
9,540,685
Total Shares and Deposits < 1 Year
9,540,686
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
113,079
Total Uninsured Shares and Deposits > $250K (F+J)
113,079
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,427,606
Total Interest Expense (Sum of items 6 8)
7,390
Share Certificates
8
Number of Accounts for Share Drafts
519
IRA KEOGH Accounts
4
Number of Accounts for Regular Shares
1,576
Net Income (unless the amount is already included in Undivided Earnings)
122,076
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
966,607
Total Liabilities
9,560,857
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Lake Superior Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Lake Superior Credit Union
Frequently Asked Questions About Lake Superior Credit UnionDoes Lake Superior Credit Union offer CDs?Yes. Lake Superior Credit Union current CD rates include its 12 Month to 60 Month CD of Deposit at 0.25% APY, its 6 Month CD of Deposit at 0.25% APY and its CD - 12 Month to 60 Month CD of Deposit at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Lake Superior Credit Union NCUA insured?Yes. Lake Superior Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Lake Superior Credit Union?The highest Lake Superior Credit Union CD rate is its 12 Month to 60 Month CD of Deposit at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Lake Superior Credit Union offer?Lake Superior Credit Union CD rates are 0.15% APY for a 3 month CD, 0.25% APY for a 6 month CD and 0.25% APY for a 12 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Lake Superior Credit Union for its full lineup. What is the highest savings rate at Lake Superior Credit Union?The highest Lake Superior Credit Union savings rate is its Regular Savings - 17 Sub-Account at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Lake Superior Credit Union?The lowest Lake Superior Credit Union auto loan rate is its New Vehicles Loan at 4.75% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Lake Superior Credit Union?The lowest Lake Superior Credit Union personal loan rate is its Unsecured Loans at 10.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Lake Superior Credit Union operate?Lake Superior Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Lake Superior Credit Union?Yes, to access services at Lake Superior Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Lake Superior Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Lake Superior Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Lake Superior Credit Union offer online and mobile banking?Most modern institutions like Lake Superior Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://lscu.virtualcu.net/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Lake Superior Credit Union rates compare?Lake Superior Credit Union's CD rates are 92% lower than the MonitorBankRates national average, and it has an A+ health rating. Lake Superior Credit Union's top rates are its 12 Month to 60 Month CD of Deposit at 0.25% APY, its Regular Savings - 17 Sub-Account at 0.25% APY and its Debt Consolidation Loan at 8.00% APR, verified by MonitorBankRates on October 29, 2026. Current Lake Superior Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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