Lakes Federal Credit Union Rates and Review January 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Compare Lakes Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Lakes Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityLakes Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Lakes Federal Credit Union? Share your experience about Lakes Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lakes Federal Credit Union. Overall, Lakes Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Lakes Federal Credit Union Lakes Federal Credit Union 106 Rickey Rd Monticello, IN 47960 1537  CD & Savings Rate ComparisonShow 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 Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Visa Platinum Credit Card
8.500%
As low as 8.50%
Visa Platinum
13.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonSignature Loan
10.500%
$0
Personal Loan
8.890%
$0
Personal Loan
12.250% - 17.000%
$0 - $20,000
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Lakes Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Lakes Federal Credit Union
Website: https://www.lakesfcu.com
Full Time Employees: 7Part Time Employees: 0 President: Gregory Onken CEO: Karri Wireman Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
106 Rickey Rd
Monticello, IN 47960 1537 Phone Number: 574-583-5556 Fax Number: 574-583-9056 FinancialsTotal Assets:
25,522,937
Total Amount of Shares and Deposits:
21,606,436
Total Shares and Deposits < 1 Year:
21,606,434
Total Insured Shares and Deposits > $250K (item 17 less item K):
21,606,436
Total Interest Expense (Sum of items 6 8):
130,024
Share Certificates:
68
Number of Accounts for Share Drafts:
2,161
IRA KEOGH Accounts:
39
Number of Accounts for Regular Shares:
3,107
All other shares:
477
Net Income (unless the amount is already included in Undivided Earnings):
391,242
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
237,764
Total Liabilities:
21,662,936
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Lakes Federal Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Lakes Federal Credit Union
Frequently Asked Questions About Lakes Federal Credit UnionIs a member application needed to join Lakes Federal Credit Union?Yes, to access services at Lakes Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Lakes Federal Credit Union provides a range of mortgage and home equity products. Is Lakes Federal Credit Union a safe place to deposit money?Yes, Lakes Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Lakes Federal Credit Union offer online and mobile banking?Most modern institutions like Lakes Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 0.15%, 6-month CD rates at 3.45% and 3-month CD rates at 1.41%. Savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.76%. Credit Card rates are at 8.75%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates which you can compare to 
