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Save for school, for car financial calculators

Savings & Checking Rates

Choose from a variety of savings options to meet your financial goals.

Following are Lake Trust savings rates. These rates are subject to change. 
 

Savings
Effective Date: Friday, May 18, 2012
AccountAmountDividend/Interest RateAPY*

Primary Savings

All Balances 0.05% 0.05%
* Primary share accounts must maintain a $5 minimum.

Holiday Savings

All Balances 0.05% 0.05%
Funds dispersed October 1, including accumulated interest.

Checking
Effective Date: Friday, May 18, 2012
AccountAmountDividend/Interest RateAPY*

Money Market Checking

$1,000 and up 0.05% 0.05%

SoSMART® Checking

$0 - $15,000* 2.00% 2.02%
  On portion of balance over $15,000 * 0.20% 0.20%
  Requirements* not met during cycle 0.10% 0.10%
*Simple requirements (Min. 15 debit card purchases, Min. 1 Direct Deposit or Direct Payment, receive E-Statements) must be met per cycle. If requirements are not met, a base rate is paid on all balances.

Money Market Savings
Effective Date: Friday, May 18th, 2012
AccountAmountDividend/Interest RateAPY*

Money Market

$0.01 - $49,999.99 0.05% 0.05%
  $50,000.00 - $74,999.99 0.10% 0.10%
  $75,000.00 and up 0.15% 0.15%

IRA Savings
Effective Date: Friday, May 18, 2012
AccountAmountDividend/Interest RateAPY*

IRA Savings

All Balances 0.05% 0.05%

Including Roth and Education IRAs


CDs/IRA CDs
Effective Date: Friday, May 18th, 2012
AccountAmountDividend/Interest RateAPY*

CD/IRA CD
3 - 5 Months

$500 - $9,999.99 0.10% 0.10%
  $10,000 - $24,999.99 0.20% 0.20%
  $25,000 and up 0.30% 0.30%

CD/IRA CD
6 - 11 Months

$500 - $9,999.99 0.20% 0.20%
  $10,000 - $24,999.99 0.30% 0.30%
  $25,000 and up 0.40% 0.40%

CD/IRA CD
12 - 23 Months

$500 - $9,999.99 0.30% 0.30%
  $10,000 - $24,999.99 0.40% 0.40%
  $25,000 and up 0.50% 0.50%

CD/IRA CD
24 - 35 Months

$500 - $9,999.99 0.50% 0.50%
  $10,000 - $24,999.99 0.60% 0.60%
  $25,000 and up 0.70% 0.70%

CD/IRA CD
36 - 47 Months

$500 - $9,999.99 0.60% 0.60%
  $10,000 - $24,999.99 0.70% 0.70%
  $25,000 and up 0.80% 0.80%

CD/IRA CD
48 - 59 Months

$500 - $9,999.99 0.90% 0.90%
  $10,000 - $24,999.99 1.00% 1.00%
  $25,000 and up 1.10% 1.11%

CD/IRA CD
60 - 72 Months

$500 - $9,999.99 1.30% 1.31%
  $10,000 - $24,999.99 1.40% 1.41%
  $25,000 and up 1.50% 1.51%

Save to Win CD
1 Year

N/A 0.35% 0.35%
Minimal balance $25. Add to at any time. For every $25 increase in balance, earn one entry into monthly drawings and annual drawing for 10 grand prizes of $10,000.

Select Saver CD
1 Year

N/A 0.10% 0.10%

Select Saver CD
2 Year

N/A 0.50% 0.50%
Select Saver CDs may be added to at any time with deposits of at least $10. $50 minimum opening balance and maximum amount that can be deposited of $2,500.

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501 S. Capitol Ave., Lansing, Michigan 48933-2320 | Phone: 888.267.7200 | Routing Number 272078268
Equal Housing Lender, National Credit Union Administration, America's Credit Unions
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
Lake Trust Credit Union
501 S. Capitol Ave., Lansing, Michigan 48933-2320
Phone: 888.267.7200
Routing Number 272078268