What are the current interest rates at Lake Superior Credit Union?

Current rates for Lake Superior Credit Union include: 12-Month CD: 0.25%, Savings: 0.15%

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Lake Superior Credit Union

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Lake Superior Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 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%, 3 Month CD of Deposit rates are at 0.15%. Lake Superior Credit Union's savings rates are at 0.15%. 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 1.41%. Rates were last updated on 04/19/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.41%

Excellent Lower than avg

Lake Superior Credit Union
Lake Superior Credit Union

801 River St
Ontonagon, MI 49953 1620

https://lscu.virtualcu.net/

Lake Superior Credit Union CD Rates

Product	Rate	APY
12 Month to 60 Month Certificate of Deposit	0.25%	0.25%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
6 Month Certificate of Deposit	0.25%	0.25%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
3 Month Certificate of Deposit	0.15%	0.15%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

Lake Superior Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Regular Savings	0.15%	0.15%
Min Balance $5 Details $5 Minimum Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.41%

Return on Assets (ROA)

1.9069%

Return on Equity (ROE)

14.2477%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

10,636,656

Total Amount of Shares and Deposits

9,200,651

Total Shares and Deposits < 1 Year

9,200,651

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

161,318

Total Uninsured Shares and Deposits > $250K (F+J)

161,318

Total Insured Shares and Deposits > $250K (item 17 less item K)

9,039,333

Total Interest Expense (Sum of items 6 8)

10,911

Share Certificates

Number of Accounts for Share Drafts

529

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,557

Net Income (unless the amount is already included in Undivided Earnings)

202,833

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

945,528

Total Liabilities

9,213,038

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Lake Superior Credit Union

Is Lake Superior Credit Union a safe place to deposit money?

Yes, Lake Superior Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4066975832%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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/.