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

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Today's 12-month CD rates can be found at 3.20%, 6-month CD rates at 4.50% and 3-month CD rates at 1.51%. Current savings rates are at 1.00% and money market rates are at 2.53%. Mortgage rates today on 30-year fixed loans are around 6.69%. Credit Card rates are at 13.75%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates. West Shore Bank's 12-Month CD rates are at 5.35%, 6-Month CD rates are at 5.20%, 18-Month CD special rates are at 4.78%, 60-Month CD rates are at 2.78%, 48-Month CD rates are at 2.52%.

West Shore Bank

To see how these rates compare to West Shore Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from West Shore Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with West Shore Bank CD rates. You can also compare West Shore Bank savings rates, MMA rates and mortgage rates using our other rate lists.

West Shore Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at West Shore Bank? Share your experience about West Shore Bank by leaving a review below, or read customer reviews before you decide to use West Shore Bank.

West Shore Bank Texas Ratio

West Shore Bank's Texas Ratio is at 5.19%, which is considered excellent. The Texas Ratio for West Shore Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, West Shore Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.35%
18-Month CD
2.27%
24-Month CD
2.52%
36-Month CD
2.52%
48-Month CD
2.52%
60-Month CD
2.78%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
West Shore Bank
201 W Loomis St
Ludington, MI 49431
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

West Shore Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
West Shore Bank
West Shore Bank
12-Month CD
5.35%
$500
West Shore Bank
West Shore Bank
6-Month CD
5.20%
$500
West Shore Bank
West Shore Bank
18-Month CD special
4.78%
$5,000
West Shore Bank
West Shore Bank
60-Month CD
2.78%
$500
West Shore Bank
West Shore Bank
48-Month CD
2.52%
$500
West Shore Bank
West Shore Bank
36-Month CD
2.52%
$500
West Shore Bank
West Shore Bank
24-Month CD
2.52%
$500
West Shore Bank
West Shore Bank
18-Month CD
2.27%
$500
West Shore Bank
West Shore Bank
3-Month CD
1.00%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare West Shore Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Huntington FSB
Huntington FSB
6-Month CD
5.47%
$500
BrioDirect
BrioDirect
12-Month CD
5.00%
$500
Farm Bureau Bank FSB
Farm Bureau Bank FSB
12-Month Jumbo CD
4.85%
$50,000
Toyota Financial Savings Bank
Toyota Financial Savings Bank
36-Month CD
4.27%
$1
EverTrust Bank
EverTrust Bank
6-Month CD
4.10%
$20,000
Old Dominion National Bank
Old Dominion National Bank
36-Month CD
4.00%
$500
EverTrust Bank
EverTrust Bank
9-Month CD
3.85%
$20,000
GTE Financial CU
GTE Financial CU
24-Month CD Jumbo
3.76%
$100,000
Keen Bank
Keen Bank
18-Month CD
3.76%
$2,500
Mauch Chunk Trust Co.
12-Month CD
3.75%
$500
SL Bank
SL Bank
Top Yield Tier Money Market
3.75%
$1,000,000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
Premium Personal Money Market
3.60%
$1,000,000
Arundel Federal Savings Bank
Arundel Federal Savings Bank
24-Month CD
3.50%
$1,000
Pioneer Trust Bank
Pioneer Trust Bank
Money Market Checking Account
3.50%
$500,000
State Bank Waterloo, IL
State Bank Waterloo, IL
60-Month CD
3.25%
$1,000
Zions Bank
Zions Bank
6-Month CD
3.05%
$1,000
Union State Bank of Everest
Union State Bank of Everest
6-Month CD
3.00%
$1,000
State Central Bank
State Central Bank
24-Month CD
2.52%
$10,000
First Enterprise Bank
First Enterprise Bank
36-Month CD
2.50%
$1,000
Kish Bank
Kish Bank
Money Market
2.50%
$20,000
River Falls State Bank
River Falls State Bank
48-Month CD
2.47%
$500
The Bank of Elk River
The Bank of Elk River
48-Month CD
2.42%
$200
1st Northern California Credit Union
1st Northern California Credit Union
6-Month CD share certificate
2.12%
$1,000
South Ottumwa SB
South Ottumwa SB
24-Month CD
2.10%
$500
1st University Credit Union
1st University Credit Union
18-Month CD certificate
2.02%
$10,000
FNB of Raymond
FNB of Raymond
24-Month CD
1.92%
$1,000
Bank of Kampsville
Bank of Kampsville
12-Month CD
1.77%
$500
First National Bank of Clarksdale
First National Bank of Clarksdale
36-Month CD
1.50%
$500
German American Bank
German American Bank
Money Market
1.50%
$150,000
HomeBank
36-Month CD
1.41%
$2,500
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
30-Month CD
1.40%
$500
Grand Timber Bank
Grand Timber Bank
3-Month CD
1.36%
$2,500
Hatboro Federal Savings
Hatboro Federal Savings
36-Month CD
1.25%
$1,000
Winchester Co-operative Bank
Winchester Co-operative Bank
Statement Savings
1.00%
$1
Bank of Stronghurst
Bank of Stronghurst
12-Month CD
0.95%
$500
United Minnesota Bank
United Minnesota Bank
12-Month CD
0.85%
$500
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
36-Month CD
0.85%
$1,000
Ion Bank
Ion Bank
48-Month CD
0.65%
$500
Farmers State Bank Elmwood, IL
Farmers State Bank Elmwood, IL
Regular Savings Account
0.60%
$25
Farmers State Bank Elmwood, IL
Farmers State Bank Elmwood, IL
Pioneer Interest Checking
0.50%
$2,500
Republic Bank
Republic Bank
48-Month CD
0.50%
$500
Yakima Federal S&L
Yakima Federal S&L
48-Month CD savers choice
0.35%
$500
Beardstown Savings
Beardstown Savings
6-Month CD
0.25%
$0
Hebron Savings Bank
Hebron Savings Bank
24-Month CD
0.25%
$500
FNB of Absecon
FNB of Absecon
18-Month CD
0.15%
$0
Hebron Savings Bank
Hebron Savings Bank
6-Month CD
0.10%
$500
Riverside Bank of Dublin
Riverside Bank of Dublin
Savings Account
0.10%
$100
Bank of Cadiz and Trust Company
Bank of Cadiz and Trust Company
Super Now Account
0.05%
$1,000
The Golden 1 Credit Union
The Golden 1 Credit Union
Regular Savings
0.05%
$0
First FSB of Champaign Urbana
First FSB of Champaign Urbana
Interest Checking
0.01%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 17, 2024

Lender
Product
Rate
APR
Points
10 Year Fixed
6.750%
0.000%
0.000
15 Year Fixed
7.000%
0.000%
0.000
20 Year Fixed
7.500%
0.000%
0.000
5.250%
0.000%
0.000
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

West Shore Bank Information

West Shore Bank
201 W Loomis St
Ludington, MI 49431
Mason
Established Date: 07/25/1898
FDIC Certificate #: 14929
Date of FDIC Deposit Insurance: 10/06/1934
Bank Holding Company: WEST SHORE BANK CORP
How Many Domestic U.S. Offices? 9
How Many Branches are There? 9
Is West Shore Bank FDIC Insured? Yes
What is West Shore Bank's Cert number? 14929
What is the maximum amount for insured deposits? $250,000 per holder, per account

West Shore Bank Financials

Total Assets:
$689,641,000
Total Deposits:
$567,281,000
Equity Capital:
$50,349,000
Domestic Deposits:
$567,281,000
Net Income:
$936,000
Return on Assets:
0.5914%
Quarterly Return on Assets:
0.5400%
Pretax Return on Assets:
0.6113%
Pretax Quarterly Return on Assets:
0.6100%
Return on Equity:
8.2600%
Quarterly Return on Equity:
7.6400%
Common Equity Tier 1 Capital Ratio:
11.5916%
Tier 1 Risk-Based Capital Ratio:
11.5916%
Leverage Tier 1 (Core Capital) Ratio:
7.9343%
Total Risk-Based Capital Ratio (YTD):
12.6421%
Total Interest Income (YTD):
3.4820%
 
 
Headquarters:
Ludington
FDIC Field Office:
Detroit
Regulator:
FDIC
County:
Mason
# of Offices:
9
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

Explore Other Rate Deals

Aurora Bank headquartered in Wilmington, Delaware, is advertising some of the best CD rates currently available. Bank CD rates are tiered based on the certificate of deposit balance. The bank is advertising certificates of deposit with terms of 6 months to 60 months. The minimum deposit is $1,000.
For the past year, we have seen many banks and credit unions increase savings rates and money market rates before the FOMC has increased the federal funds rate. This week there are now ten financial institutions offering variable deposit rates at 1.00 percent or higher.

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West Shore Bank Reviews

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