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
Account	Amount	Dividend/Interest Rate	APY*
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
Account	Amount	Dividend/Interest Rate	APY*
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.

IRA Savings
Effective Date: Friday, May 18, 2012
Account	Amount	Dividend/Interest Rate	APY*
IRA Savings	All Balances	0.05%	0.05%
Including Roth and Education IRAs

CDs/IRA CDs
Effective Date: Friday, May 18th, 2012
Account	Amount	Dividend/Interest Rate	APY*
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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