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

Current rates for Lake Trust Credit Union include: 12-Month CD: 2.85%, 24-Month CD: 2.75%, 60-Month CD: 3.09%, Savings: 0.05%, MMA: 0.10%

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Lake Trust Credit Union

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Lake Trust Credit Union Rates & Review September 2026

Item: Lake Trust Credit Union
Rating: 1
Author: Lewis Custard

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Lake Trust Credit Union's 25 Month Business CD Plus rates are at 4.35%, 25 Month CD Plus rates are at 4.35%, 25 Month IRA CD Plus rates are at 4.35%, 13 Month Business CD Plus rates are at 4.25%, 13 Month CD Plus rates are at 4.25%. Lake Trust Credit Union's savings rates are at 0.05%. Lake Trust Credit Union's money market rates are at 0.10%. Lake Trust Credit Union's Personal Loan Rates are as low as 10.75%. Lake Trust Credit Union's Credit Card Rates are at 11.65%. MonitorBankRates evaluates the financial stability of Lake Trust Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.60%. Rates last updated and verified on 09/22/2026.

Lake Trust 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 Trust Credit Union? Share your experience about Lake Trust Credit Union by leaving a review below, or read customer reviews before you decide to use Lake Trust Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.60%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Lake Trust Credit Union
Detroit DTE

1 Energy Plz # 230
Detroit, MI 48226

https://www.laketrust.org

Lake Trust Credit Union CD Rates

Product	Rate	APY	Term
25 Month Business CD Plus	4.27%	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular Business CD upon maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
25 Month CD Plus	-	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular CD upon maturity. No monthly service fee. Early closing penalty. 90 days interest penalty for 25-month CD Plus. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
25 Month IRA CD Plus	-	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular IRA CD upon maturity. No monthly service fee. Early closing penalty. 90 days interest penalty for 25-month IRA CD Plus. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
13 Month Business CD Plus	4.17%	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular Business CD upon maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
13 Month CD Plus	-	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular CD upon maturity. No monthly service fee. Early closing penalty. 90 days interest penalty for 13-month CD Plus. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
13 Month IRA CD Plus	-	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular IRA CD upon maturity. No monthly service fee. Early closing penalty. 90 days interest penalty for 13-month IRA CD Plus. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
24 - 35 Month Municipal/Government CD	4.17%	4.25%	24 - 35 Months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
12 - 23 Month Municipal/Government CD	4.07%	4.15%	12 - 23 Months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
6 - 11 Month Municipal/Government CD	4.07%	4.15%	6 - 11 Months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
7 Month Business CD Plus	4.03%	4.11%	7 months
Min Deposit $500 Details Converts to a 6-month regular Business CD upon maturity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
7 Month CD Plus	-	4.11%	7 months
Min Deposit $500 Details Converts to a 6-month regular CD upon maturity. No monthly service fee. Early closing penalty. 90 days interest penalty for 7-month CD Plus. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
7 Month IRA CD Plus	-	4.11%	7 months
Min Deposit $500 Details Converts to a 6-month regular IRA CD upon maturity. No monthly service fee. Early closing penalty. 90 days interest penalty for 7-month IRA CD Plus. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
CD PLUS - 7 month	4.03%	4.11%	7 month
Min Deposit $500 Details Converts to a 6-month regular CD upon maturity. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD PLUS - 7 month	4.03%	4.11%	7 month
Min Deposit $500 Details Converts to a 6-month regular IRA CD upon maturity. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
12 - 23 Month Municipal/Government CD	3.93%	4.00%	12 - 23 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $249,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
3 - 5 Month Municipal/Government CD	3.93%	4.00%	3 - 5 Months
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
12 - 23 Month Municipal/Government CD	3.69%	3.75%	12 - 23 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
3 - 5 Month Municipal/Government CD	3.69%	3.75%	3 - 5 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $249,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
6 - 11 Month Municipal/Government CD	3.69%	3.75%	6 - 11 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $249,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
12 - 23 Month Business Certificate of Deposits (CDs)	3.59%	3.65%	12 - 23 Months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
12 - 23 Month Business Certificate of Deposits (CDs)	3.59%	3.65%	12 - 23 Months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
6 - 11 Month Business Certificate of Deposits (CDs)	3.59%	3.65%	6 - 11 Months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 12 - 23 month	3.59%	3.65%	23 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 6 - 11 month	3.59%	3.65%	11 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 12 - 23 month	3.59%	3.65%	23 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 6 - 11 month	3.59%	3.65%	11 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
24 - 35 Month Municipal/Government CD	3.49%	3.55%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 12 - 23 month	3.49%	3.55%	23 Months
Min Deposit $500 Details Amount: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
48 - 59 Month Business Certificate of Deposits (CDs)	3.45%	3.51%	48 - 59 Months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 48 - 59 month	3.45%	3.51%	59 Months
Min Deposit $500 Details Amount: $100,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 48 - 59 month	3.45%	3.51%	59 Months
Min Deposit $500 Details Amount: $100,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 12 - 23 month	3.49%	3.49%	23 Months
Min Deposit $500 Details Amount: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
12 - 23 Month Business Certificate of Deposits (CDs)	3.25%	3.30%	12 - 23 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
3 - 5 Month Business Certificate of Deposits (CDs)	3.25%	3.30%	3-5 Months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
3 - 5 Month Business Certificate of Deposits (CDs)	3.25%	3.30%	3-5 Months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
36 - 47 Month Business Certificate of Deposits (CDs)	3.25%	3.30%	36 - 47 Months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
36 - 47 Month Business Certificate of Deposits (CDs)	3.25%	3.30%	36 - 47 Months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 12 - 23 month	3.25%	3.30%	23 Months
Min Deposit $500 Details Amount: $500.00 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 3-5 month	3.25%	3.30%	5 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 36 - 47 month	3.25%	3.30%	47 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 12 - 23 month	3.25%	3.30%	23 Months
Min Deposit $500 Details Amount: $500.00 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 3-5 month	3.25%	3.30%	5 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 36 - 47 month	3.25%	3.30%	47 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
48 - 59 Month Business Certificate of Deposits (CDs)	3.20%	3.25%	48 - 59 Months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
6 - 11 Month Municipal/Government CD	3.20%	3.25%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 48 - 59 month	3.20%	3.25%	59 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 48 - 59 month	3.20%	3.25%	59 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
36 - 47 Month Business Certificate of Deposits (CDs)	3.10%	3.14%	36 - 47 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 36 - 47 month	3.10%	3.14%	47 Months
Min Deposit $500 Details Amount: $500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 36 - 47 month	3.10%	3.14%	47 Months
Min Deposit $500 Details Amount: $500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
48 - 59 Month Business Certificate of Deposits (CDs)	3.05%	3.09%	48 - 59 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 -$11,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 48 - 59 month	3.05%	3.09%	59 Months
Min Deposit $500 Details Amount: $500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 48 - 59 month	3.05%	3.09%	59 Months
Min Deposit $500 Details Amount: $500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
24 - 35 Month Business Certificate of Deposits (CDs)	3.01%	3.05%	24 - 35 Months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
24 - 35 Month Business Certificate of Deposits (CDs)	3.01%	3.05%	24 - 35 Months
Min Deposit $500 Min Balance $30,000 Details Balance: $30,000.00 and up. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
6 - 11 Month Business Certificate of Deposits (CDs)	3.01%	3.05%	6 - 11 Months
Min Deposit $500 Min Balance $12,000 Details Balance: $12,000.00 - $29,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 24 - 35 month	3.01%	3.05%	35 Months
Min Deposit $500 Details Amount: $10,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 6 - 11 month	3.01%	3.05%	11 Months
Min Deposit $500 Details Amount: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 24 - 35 month	3.01%	3.05%	35 Months
Min Deposit $500 Details Amount: $100,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 6 - 11 month	3.01%	3.05%	11 Months
Min Deposit $500 Details Amount: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
3 - 5 Month Municipal/Government CD	2.96%	3.00%	3 - 5 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $49,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
24 - 35 Month Business Certificate of Deposits (CDs)	2.91%	2.95%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 24 - 35 month	2.91%	2.95%	35 Months
Min Deposit $500 Details Amount: $500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 24 - 35 month	2.91%	2.95%	35 Months
Min Deposit $500 Details Amount: $500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
6 - 11 Month Business Certificate of Deposits (CDs)	2.81%	2.85%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 6 - 11 month	2.81%	2.85%	11 Months
Min Deposit $500 Details Amount: $500.00 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 6 - 11 month	2.81%	2.85%	11 Months
Min Deposit $500 Details Amount: $500.00 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
24 Month Aspire CD	-	2.75%	24 months
Min Deposit $50 Min Balance $500 Details Set a savings goal (minimum of $500) and make your initial deposit of at least $50 when you open your Aspire CD. If you meet your goal before the term is up, you can close your Aspire CD without incurring an early closing penalty. Or you can make a partial withdrawal (keeping at least $50 in the account) and set a new savings goal; you can do this up to two times within a 12-month period. No monthly service fee. Maximum balance: $10,000. Additional deposits allowed of $10 or more. Early closing penalty if goal is not met or if two withdrawals have already been completed within the last 12 months. 180 days interest penalty. Automatic renewal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Aspire CD - 2 year	2.72%	2.75%	2 year
Min Deposit $50 Details Published rate range: Up to 2.72%. Amount: $50.00 - $10,000. APY compounded monthly. Add to at any time. Additional deposit $10 min. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 3-5 month	2.60%	2.63%	5 Months
Min Deposit $500 Details Amount: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 3-5 month	2.60%	2.63%	5 Months
Min Deposit $500 Details Amount: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
3 - 5 Month Business Certificate of Deposits (CDs)	2.35%	2.38%	3-5 Months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $11,999.99. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Certificate of Deposit (CDs) - 3-5 month	2.35%	2.38%	5 Months
Min Deposit $500 Details Amount: $500.00 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD - 3-5 month	2.35%	2.38%	5 Months
Min Deposit $500 Details Amount: $500.00 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Savings Rates

Product	Rate	APY
Aspire Savings	2.96%	3.00%
Min Balance $0 Details Balance: $0.01 - $1,000.00. This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Aspire Savings	2.96%	3.00%
Min Balance $1,000 Details Balance: $1,000.01 - $2,000.00. This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Aspire Savings	2.96%	3.00%
Min Balance $2,000 Details Balance: $2,000.01 - $5,000.00. This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.29%	1.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.20%	1.21%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.20%	1.21%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and up. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.15%	1.16%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-$29,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.15%	1.16%
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00-$99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and up. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,9999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-$99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,9999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.75%	0.75%
Min Deposit $1,000 Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.70%	0.70%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Health Savings Account (HSA)	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 and up. Rate may change after account is opened. Fees could reduce the earnings on the account. See Fee Schedule . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $0 Details Balance: $0.01 - $4,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. See Fee Schedule . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Aspire Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00. This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Aspire Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.01 and up. This is a blended rate account. Each dividend rate will apply to the daily balance within that tier and not the entire balance. Balances more than $5,000.00 will produce a lower blended rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$1,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$1,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Savings Accounts	0.05%	0.05%
Min Deposit $5 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Holiday Savings	0.05%	0.05%
Details Funds dispersed October 1, including accumulated interest. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA Savings	-	0.05%
Min Deposit $0 Min Balance $5 Details Balance: $5 minimum balance to earn interest; Membership Savings Account is required to establish membership. No monthly service fee $5 minimum balance to earn interest 2025 contribution limits: Total contributions to all your Traditional and Roth IRAs cannot exceed $7,000 (or $8,000 at age 50 or older) 2026 contribution limits: Total contributions to all your Traditional and Roth IRAs cannot exceed $7,500 (or $8,600 at age 50 or older) Roth IRA No mandatory distribution Traditional IRA Mandatory distribution at age 73 Free Online and Mobile Banking View fee schedule for withdrawal limitations Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Membership Savings	0.05%	0.05%
Min Deposit $5 Details Membership share accounts must maintain a $5 minimum. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Special Savings	0.05%	0.05%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Youth Membership Savings	0.05%	0.05%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Youth Membership Savings	-	0.05%
Min Deposit $5 Details Adult age 18 or older required to open When opening an account for a child, the adult will become a joint owner on the account Adult must become a member in order to open account for a child ATM card available 2 ATM service fees returned monthly for child under age 18 No monthly account fee for child under age 18 Online and Mobile Banking available for children age 14 and older Account will convert to a Membership Savings at age 19. After this, monthly fee may apply depending on balance. Interest compounded monthly View fee schedule for withdrawal limitations Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Money Market Rates

Product	Rate	APY
Money Market Premium	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
HSA Money Market	3.20%	3.25%
Min Balance $100,000 Details Balance: $100,000.00 and up. Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,499,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: $2,500,000.00-$4,999,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $5,000,000 Details Balance: $5,000,000.00+. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,499,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: $2,500,000.00-$4,999,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $5,000,000 Details Balance: $5,000,000.00+. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
HSA Money Market	2.96%	3.00%
Min Balance $500,000 Details Balance: $50,0000.00 - $99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	2.96%	3.00%
Min Deposit $1,000 Min Balance $750,000 Details Balance: $750,000.00 - $999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $750,000 Details Balance: $750,000.00 - $999,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $750,000 Details Balance: $750,000.00 - $999,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
HSA Money Market	2.72%	2.75%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	2.72%	2.75%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $749,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	2.47%	2.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	2.23%	2.25%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $749,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	2.23%	2.25%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 - $749,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	2.23%	2.25%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $50,0000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	1.98%	2.00%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.64%	1.65%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	1.54%	1.55%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	1.54%	1.55%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.54%	1.55%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	1.29%	1.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	1.29%	1.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings Plus	1.29%	1.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.20%	1.21%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.20%	1.21%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and up. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.15%	1.16%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-$29,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	1.15%	1.16%
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00-$99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and up. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,9999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.95%	0.95%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00-$99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,9999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.75%	0.75%
Min Deposit $1,000 Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.70%	0.70%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$1,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$1,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Money Market Premium	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Municipal/Government Money Market Premium	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$99,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
HSA Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0.01 - $24,999.99. Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Premium	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Checking Rates

Product	Rate	APY
Business Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $5,000 Details Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Money Market Checking	-	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Monthly $5 fee; waived when minimum balance is met; or combined accounts of $5,000; Two ATM fee refunds per month if you do at least one debit card transaction Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loan: First Lien, Primary, 90%	-	-	6.72%	Up to 120 Months
Details Published APR range: 6.72% to 7.87%. First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Home Equity Line of Credit (HELOC): Primary Residence	-	-	6.75%
Details Term: Five-year draw period, extended upon review; Maximum Combined Loan to Value up to 95%; Primary rate adjusted quarterly, Current Rate 6.75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: First Lien, Primary, 90%	-	-	6.89%	Up to 180 Months
Details Published APR range: 6.89% to 8.04%. First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: First Lien, Primary, 90%	-	-	7.00%	Up to 240 Months
Details Published APR range: 7.00% to 8.15%. First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: Second Lien, Primary, 90%	-	-	7.67%	Up to 120 Months
Details Published APR range: 7.67% to 8.82%. Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: Second Lien, Primary, 90%	-	-	7.89%	Up to 180 Months
Details Published APR range: 7.89% to 9.04%. Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: Second Lien, Primary, 90%	-	-	8.00%	Up to 240 Months
Details Published APR range: 8.00% to 9.15%. Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: First lien, Non-Primary, 70%	-	-	9.47%	Up to 120 Months
Details Published APR range: 9.47% to 10.62%. First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: First lien, Non-Primary, 70%	-	-	9.69%	Up to 180 Months
Details Published APR range: 9.69% to 10.84%. First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Fixed Home Equity Loan: First lien, Non-Primary, 70%	-	-	9.80%	Up to 240 Months
Details Published APR range: 9.80% to 10.95%. First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New - 2024 Auto Loan	-	-	5.64%	Up to 36 months
Details Published APR range: 5.64% to 14.49%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2024 Auto Loan	-	-	5.74%	Up to 48 months
Details Published APR range: 5.74% to 14.59%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2018 - 2023 Auto Loan	-	-	5.89%	Up to 36 months
Details Published APR range: 5.89% to 14.74%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2018 - 2023 Auto Loan	-	-	5.99%	Up to 48 months
Details Published APR range: 5.99% to 14.84%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2024 Auto Loan	-	-	6.29%	Up to 60 months
Details Published APR range: 6.29% to 14.79%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2018 - 2023 Auto Loan	-	-	6.39%	Up to 60 months
Details Published APR range: 6.39% to 15.04%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2024 Auto Loan	-	-	6.39%	Up to 75 months
Details Published APR range: 6.39% to 15.19%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2017 & Older Auto Loan	-	-	6.49%	Up to 36 months
Details Published APR range: 6.49% to 15.24%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2018 - 2023 Auto Loan	-	-	6.49%	Up to 75 months
Details Published APR range: 6.49% to 15.44%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2024 Auto Loan	-	-	6.49%	Up to 84 months
Details Published APR range: 6.49% to 15.69%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2017 & Older Auto Loan	-	-	6.59%	Up to 48 months
Details Published APR range: 6.59% to 15.34%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2018 - 2023 Auto Loan	-	-	6.59%	Up to 84 months
Details Published APR range: 6.59% to 15.94%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2017 & Older Auto Loan	-	-	6.79%	Up to 60 months
Details Published APR range: 6.79% to 15.54%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Vehicle Microloan New - 2024	-	-	6.99%	Up to 84 Months
Details Published APR range: 6.99% to 16.69%. Actual rate and loan term are based on borrower's creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Vehicle 2023 - 2018 (175K miles or less) Loan	-	-	7.24%	Up to 84 Months
Details Published APR range: 7.24% to 16.94%. Actual rate and loan term are based on borrower's creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Vehicle 2017 & Older (175K miles or less) Loan	-	-	7.74%	Up to 84 Months
Details Published APR range: 7.74% to 17.44%. Actual rate and loan term are based on borrower's creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Other Vehicle Loan	-	-	9.70%	Up to 48 Months
Details Published APR range: 9.70% to 18.20%. Qualified vehicles in this category include Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers, and any other collateral accepted by Lake Trust. Ask a Lake Trust representative for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Other Vehicle Loan	-	-	9.95%	Up to 60 Months
Details Published APR range: 9.95% to 18.45%. Qualified vehicles in this category include Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers, and any other collateral accepted by Lake Trust. Ask a Lake Trust representative for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Other Vehicle Loan	-	-	10.20%	Up to 72 Months
Details Published APR range: 10.20% to 18.70%. Qualified vehicles in this category include Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers, and any other collateral accepted by Lake Trust. Ask a Lake Trust representative for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Other Vehicle Loan	-	-	10.45%	Up to 84 Months
Details Published APR range: 10.45% to 18.95%. Qualified vehicles in this category include Personal Watercrafts, Snowmobiles, ATVs, Tractors, Riding Lawn Mowers, Trailers, and any other collateral accepted by Lake Trust. Ask a Lake Trust representative for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New - 2025 Boat Loan	-	6.24%	Up to 84 Months
Details Published APR range: 6.24% to 14.74%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 RV Loan	-	6.24%	Up to 84 Months
Details Published APR range: 6.24% to 14.74%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Boat Loan	-	6.49%	Up to 84 Months
Details Published APR range: 6.49% to 14.99%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 RV Loan	-	6.49%	Up to 84 Months
Details Published APR range: 6.49% to 14.99%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Boat Loan	-	6.54%	Up to 120 Months
Details Published APR range: 6.54% to 15.04%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 RV Loan	-	6.54%	Up to 120 Months
Details Published APR range: 6.54% to 15.04%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Boat Loan	-	6.79%	Up to 120 Months
Details Published APR range: 6.79% to 15.29%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 RV Loan	-	6.79%	Up to 120 Months
Details Published APR range: 6.79% to 15.29%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Boat Loan	-	6.84%	Up to 144 Months
Details Published APR range: 6.84% to 15.34%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 RV Loan	-	6.84%	Up to 144 Months
Details Published APR range: 6.84% to 15.34%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Boat Loan	-	6.99%	Up to 84 Months
Details Published APR range: 6.99% to 15.49%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older RV Loan	-	6.99%	Up to 84 Months
Details Published APR range: 6.99% to 15.49%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Boat Loan	-	7.09%	Up to 144 Months
Details Published APR range: 7.09% to 15.59%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 RV Loan	-	7.09%	Up to 144 Months
Details Published APR range: 7.09% to 15.59%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Boat Loan	-	7.14%	Up to 180 Months
Details Published APR range: 7.14% to 15.64%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 RV Loan	-	7.14%	Up to 180 Months
Details Published APR range: 7.14% to 15.64%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Motorcycle Loan	-	7.24%	Up to 66 Months
Details Published APR range: 7.24% to 15.74%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Boat Loan	-	7.29%	Up to 120 Months
Details Published APR range: 7.29% to 15.79%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older RV Loan	-	7.29%	Up to 120 Months
Details Published APR range: 7.29% to 15.79%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Boat Loan	-	7.39%	Up to 180 Months
Details Published APR range: 7.39% to 15.89%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 RV Loan	-	7.39%	Up to 180 Months
Details Published APR range: 7.39% to 15.89%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Motorcycle Loan	-	7.49%	Up to 84 Months
Details Published APR range: 7.49% to 15.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Boat Loan	-	7.59%	Up to 144 Months
Details Published APR range: 7.59% to 16.09%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older RV Loan	-	7.59%	Up to 144 Months
Details Published APR range: 7.59% to 16.09%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Motorcycle Loan	-	7.74%	Up to 66 Months
Details Published APR range: 7.74% to 16.24%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Boat Loan	-	7.74%	Up to 240 Months
Details Published APR range: 7.74% to 16.24%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 RV Loan	-	7.74%	Up to 240 Months
Details Published APR range: 7.74% to 16.24%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Boat Loan	-	7.89%	Up to 180 Months
Details Published APR range: 7.89% to 16.39%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older RV Loan	-	7.89%	Up to 180 Months
Details Published APR range: 7.89% to 16.39%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Boat Loan	-	7.99%	Up to 240 Months
Details Published APR range: 7.99% to 16.49%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Motorcycle Loan	-	7.99%	Up to 84 Months
Details Published APR range: 7.99% to 16.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 RV Loan	-	7.99%	Up to 240 Months
Details Published APR range: 7.99% to 16.49%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Motorcycle Loan	-	7.99%	Up to 96 Months
Details Published APR range: 7.99% to 16.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Boat Loan	-	8.49%	Up to 240 Months
Details Published APR range: 8.49% to 16.99%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older RV Loan	-	8.49%	Up to 240 Months
Details Published APR range: 8.49% to 16.99%. Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Motorcycle Loan	-	8.49%	Up to 96 Months
Details Published APR range: 8.49% to 16.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
New - 2025 Motorcycle Loan	-	8.49%	Up to 120 Months
Details Published APR range: 8.49% to 16.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Motorcycle Loan	-	8.74%	Up to 66 Months
Details Published APR range: 8.74% to 17.24%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Motorcycle Loan	-	8.99%	Up to 84 Months
Details Published APR range: 8.99% to 17.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2020 - 2024 Motorcycle Loan	-	8.99%	Up to 120 Months
Details Published APR range: 8.99% to 17.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Motorcycle Loan	-	9.49%	Up to 96 Months
Details Published APR range: 9.49% to 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
2019 & Older Motorcycle Loan	-	9.99%	Up to 120 Months
Details Published APR range: 9.99% to 18.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Credit Card Rates

Product	Rate	APR
Platinum Elite Visa	-	11.65%
Details Published APR range: 11.65% to 18.65%. VARIABLE; Balance Transfer APR 14.65% to 21.65%; Cash Advance APR 14.65% to 21.65% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Business Visa Platinum Rewards	-	12.65%
Details The Annual Percentage Rate is subject to change monthly to reflect any change in the index and will be determined by the Prime Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Platinum Elite Rewards Visa	-	13.65%
Details Published APR range: 13.65% to 20.65%. VARIABLE; Balance Transfer APR 16.65% to 23.65%; Cash Advance APR 16.65% to 23.65% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Personal Loan Rates

Product	APR	Term
Unsecured/Signature Loan	10.75%
Details As Low As; Minimum loan amount: $500; Predictable monthly payments over a fixed term; Good for a large single purchase or expense; No collateral required; No application fee; No pre-payment penalty; Up to 120 monthly payments or single payment terms Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Personal Unsecured/Signature Loan	14.75%	Maximum 84 Months
Details Published APR range: 14.75% to 22.35%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Personal Line of Credit	16.00%
Details Minimum monthly payment is a percentage of the outstanding balance (minimum of $17.50/month). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

Lake Trust Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Line of Credit Microloan	-	-	16.00%
Details Minimum monthly payment is a percentage of the outstanding balance (minimum of $17.50/month). Actual rate and loan term is based on borrower's creditworthiness and amount borrowed. Loan subject to approval. A loan officer will inform you of the rate you qualify for after reviewing your loan application documents. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Life Impact Loan	-	-	13.50%	up to 24-months
Details Minimum loan amount: $500; Maximum loan amount: $4,000; No collateral required; First payment due up to 60 days after approval; Proof of hardship due to company layoff/furlough, government employee shutdown, natural disaster, etc. is required; Must be a Lake Trust member for at least 6 months to apply Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
CD PLUS - 13 months	4.17%	-	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular CD upon maturity. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
CD PLUS - 25 months	4.27%	-	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular CD upon maturity. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Holiday Savings	-	-	0.05%
Min Deposit $0 Details Membership Savings Account is required to establish membership. No monthly service fee No minimum balance Free Online and Mobile Banking Must open account in branch Choose the account you want the balance moved to View fee schedule for withdrawal limitations Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD PLUS - 13 months	4.17%	-	4.25%	13 months
Min Deposit $500 Details Converts to a 12-month regular IRA CD upon maturity. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
IRA CD PLUS - 25 months	4.27%	-	4.35%	25 months
Min Deposit $500 Details Converts to a 24-month regular IRA CD upon maturity. Penalty for early withdrawals. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Membership Savings	-	-	0.05%
Min Deposit $5 Details Membership Savings Account is required to establish membership. Monthly $3 fee; waived with other active non-savings products, regardless of the balance, OR if a $300 balance is maintained in Membership Savings account. Free Online and Mobile Banking Interest compounded monthly View fee schedule for withdrawal limitations Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Save to Win	2.85%	-	2.89%
Min Deposit $25 Details For every $25 increase in balance, earn one entry into monthly and quarterly prizes for up to $5,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Save To Win	-	-	2.89%	12 months
Min Deposit $25 Details Every $25 deposit (up to 100/month) gives you a chance to win a quarterly or monthly cash prize. No monthly service fee. Additional deposits allowed. Early closing penalty: $25 fee. One withdrawal allowed per term: $25 fee. No maximum balance or deposit amount. No maximum or minimum withdrawal. Automatic renewal. Raffle Rules Truth-In-Savings Disclosure Save to Win official website. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%
Special Savings	-	-	0.05%
Min Deposit $0 Details Membership Savings Account is required to establish membership. No monthly service fee No minimum balance Free Online and Mobile Banking Open as many Special Savings accounts as you need View fee schedule for withdrawal limitations Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.60%

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.

Financial Health History

Lake Trust Credit Union’s Texas Ratio rose from 4.83% in Q2 2023 to 6.60% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.9B	6.60%	5.0	A
December 31, 2025	$2.8B	7.67%	5.0	A
September 30, 2025	$2.7B	6.85%	5.0	A
June 30, 2025	$2.7B	6.49%	5.0	A
March 31, 2025	$2.7B	6.29%	5.0	A
December 31, 2024	$2.6B	6.53%	5.0	A
September 30, 2024	$2.6B	6.63%	5.0	A
June 30, 2024	$2.7B	5.48%	5.0	A+
March 31, 2024	$2.7B	5.29%	5.0	A+
December 31, 2023	$2.6B	5.92%	5.0	A+
September 30, 2023	$2.6B	5.43%	5.0	A+
June 30, 2023	$2.6B	4.83%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lake Trust 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 Trust 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 Trust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lake Trust Credit Union

Website https://www.laketrust.org

Address 1 Energy Plz # 230, Detroit, MI 48226

Phone 888-267-7200

Fax

President Michael Solo

CEO David Snodgrass

Full-Time Employees 504

Part-Time Employees 2

Branch Locations 25

ATM Locations 22

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.60%

Return on Assets (ROA)

0.1340%

Return on Equity (ROE)

1.2570%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

2,873,345,524

Total Amount of Shares and Deposits

2,544,405,174

Total Shares and Deposits < 1 Year

2,433,465,814

Total Shares and Deposits 1 3 Years

98,633,626

Total Shares and Deposits > 3 Years

12,305,734

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

472,168,029

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

472,168,029

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

2,072,237,145

Total Interest Expense (Sum of items 6 8)

8,775,043

Share Certificates

22,201

Number of Accounts for Share Drafts

119,498

IRA KEOGH Accounts

3,603

Number of Accounts for Regular Shares

205,077

Non Member Deposits

Money Market Shares

8,558

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)

202,672,117

Total Liabilities

2,604,401,057

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Lake Trust Credit Union earned the Verified Healthy badge

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Customer Reviews

Lewis Custard

★☆☆☆☆

January 2, 2026

L.T. site is too difficult to use. laketrustcu.org login or C.D.s I get other sites except yours. Are you trying to loose customers?

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Want to discuss Lake Trust Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★☆☆☆☆

Total Reviews

Add Your Rating and Review for Lake Trust Credit Union

Frequently Asked Questions About Lake Trust Credit Union

How many branches does Lake Trust Credit Union operate?

Lake Trust 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 Trust Credit Union?

Yes, to access services at Lake Trust 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 Trust 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 Trust Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lake Trust Credit Union offer online and mobile banking?

Most modern institutions like Lake Trust 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://www.laketrust.org.

Current Lake Trust Credit Union Rates

12-Month CD2.85%
24-Month CD2.75%
60-Month CD3.09%
Savings0.05%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Lake Trust Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Lake Trust Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Lake Trust Credit Union

How many branches does Lake Trust Credit Union operate?

Is a member application needed to join Lake Trust Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Lake Trust Credit Union offer online and mobile banking?

Current Lake Trust Credit Union Rates

Compare to Other Credit Unions