Current Personal Account Rates
The more you know, the easier it is to make smart decisions for your financial future. And reach toward your personal goals. Compare the current interest rates on personal loans, credit cards, savings, CDs and more.
Vehicle Loans
Auto Loan
APR1 AS LOW AS {rate-value}%
Model Years
New - 2022
Term
Up to 84 months
Annual Percentage Rate (APR)
6.34% to 16.04%
Model Years
2021 - 2016 (175K miles or less)
Term
Up to 84 months
Annual Percentage Rate (APR)
6.59% to 16.29%
Model Years
2015 & Older (175K miles or less)
Term
Up to 84 months
Annual Percentage Rate (APR)
7.09% to 16.79%
AutoSaver Loan
APR1 AS LOW AS {rate-value}%
An AutoSaver Loan has payments that look like a lease. When your term is up, turn your vehicle in for something new or pay off the loan balance to keep your vehicle.
Model Years
New - 2022
Term
Up to 72 months
Annual Percentage Rate (APR)
6.34% to 15.54%
Model Years
2021 - 2019
Term
Up to 72 months
Annual Percentage Rate (APR)
6.59% to 15.79%
Boat
APR1 AS LOW AS {rate-value}%
Model Years
New - 2023
Term
Up to 240 Months
Annual Percentage Rate (APR)
7.69% to 17.69%
Model Years
2022 - 2018
Term
Up to 240 Months
Annual Percentage Rate (APR)
7.94% to 17.94%
Model Years
2017 & Older
Term
Up to 240 Months
Annual Percentage Rate (APR)
8.44% to 18.44%
Recreational Vehicle (RV)
APR1 AS LOW AS {rate-value}%
Model Years
New - 2023
Term
Up to 240 Months
Annual Percentage Rate (APR)
7.69% to 17.69%
Model Years
2022 - 2018
Term
Up to 240 Months
Annual Percentage Rate (APR)
7.94% to 17.94%
Model Years
2017 & Older
Term
Up to 240 Months
Annual Percentage Rate (APR)
8.44% to 18.44%
Motorcycle
APR1 AS LOW AS {rate-value}%
Model Years
New - 2023
Term
Up to 120 Months
Annual Percentage Rate (APR)
8.49% to 18.24%
Model Years
2022 - 2018
Term
Up to 120 Months
Annual Percentage Rate (APR)
8.99% to 18.74%
Model Years
2017 & Older
Term
Up to 120 Months
Annual Percentage Rate (APR)
9.99% to 19.74%
Other Vehicle Loans
APR1 AS LOW AS {rate-value}%
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.
Minimum Amount to Finance
Any
Term
Up to 84 Months
Annual Percentage Rate (APR)
9.70% to 18.95%
Home Loans
Mortgage Loan APR 1 CHANGES DAILY SEE RATES FOR MORE DETAILS
The APR changes daily, check today's rate3. Your rate will also be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.
APPLY NOW3 Check Today's Rate3
Fixed Home Equity Loan: First Lien, Primary, 90%
APR1 AS LOW AS {rate-value}%
First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90%
Minimum Amount to Finance
Minimum $10,000
Term
Up to 120 Months
Annual Percentage Rate (APR)
6.57% to 7.72%
Minimum Amount to Finance
$10,000
Term
Up to 180 Months
Annual Percentage Rate (APR)
6.62% to 7.77%
Minimum Amount to Finance
$10,000
Term
Up to 240 Months
Annual Percentage Rate (APR)
7.01% to 8.16%
Fixed Home Equity Loan: Second Lien, Primary, 90%
APR1 AS LOW AS {rate-value}%
Second Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90%
Minimum Amount to Finance
Minimum $10,000
Term
Up to 120 Months
Annual Percentage Rate (APR)
8.52% to 9.67%
Minimum Amount to Finance
$10,000
Term
Up to 180 Months
Annual Percentage Rate (APR)
8.62% to 9.77%
Minimum Amount to Finance
$10,000
Term
Up to 240 Months
Annual Percentage Rate (APR)
9.01% to 10.16%
Fixed Home Equity Loan: First lien, Non-Primary, 70%
APR1 AS LOW AS {rate-value}%
First Lien Position - Non-Primary Residence - Maximum Combined Loan to Value up to 70%
Minimum Amount to Finance
Minimum $10,000
Term
Up to 120 Months
Annual Percentage Rate (APR)
9.32% to 10.47%
Minimum Amount to Finance
$10,000
Term
Up to 180 Months
Annual Percentage Rate (APR)
9.42% to 10.57%
Minimum Amount to Finance
$10,000
Term
Up to 240 Months
Annual Percentage Rate (APR)
9.81% to 10.96%
Home Equity Line of Credit (HELOC): Primary Residence
APR1 AS LOW AS {rate-value}%
Maximum Combined Loan to Value up to 95%
Loan Type
Variable Rate Line of Credit
Minimum Amount
$10,000
Term
Five-year draw period, extended upon review
Annual Percentage Rate (APR)
Primary rate adjusted quarterly, Current Rate 8.50%
Other Loans
Personal Line of Credit
APR1 {rate-value}%
Minimum Credit Limit
$300
Annual Percentage Rate (APR)
16.00%
Personal Unsecured/Signature Loan
APR1 AS LOW AS {rate-value}%
Minimum
$500
Term
Maximum 84 Months
Annual Percentage Rate (APR)
10.50% to 19.10%
Minimum
$7,500
Term
Maximum 120 Months
Annual Percentage Rate (APR)
15.50%-23.10%
Undergraduate Student Loans
Graduate Student Loans
Life Impact Loan
APR1 {rate-value}%
Maximum Amount to Finance
$4,000
Term
Up to 24 Months
Annual Percentage Rate (APR)
13.25%
Credit Cards
Platinum Elite Visa
APR1 AS LOW {rate-value}% VARIABLE
Minimum
$500
Program Name
Platinum Elite Visa
Annual Percentage Rate (APR)
12.90% to 19.90%
Balance Transfer APR
15.90% to 22.90%
Cash Advance APR
15.90% to 22.90%
Platinum Elite Rewards Visa
APR1 AS LOW AS {rate-value}% VARIABLE
Minimum
$500
Program Name
Platinum Elite Rewards Visa ®
Annual Percentage Rate (APR)
14.90% to 21.90%
Balance Transfer APR
17.90% to 23.99%
Cash Advance APR
17.90% to 23.99%
Savings
Membership Savings
APY2 UP TO {rate-value}%
Maximum Combined Loan to Value up to 95%
Amount
Membership Savings
Account
All Balances
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
*Membership share accounts must maintain a $5 minimum.
Money Market Savings
APY2 UP TO {rate-value}%
Amount
$0.01 - $3,999.99
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Amount
$4,000.00 - $9,999.99
Interest Rate
0.85%
Annual Percentage Yield (APY)
0.85%
Amount
$10,000.00 - $74,999.99
Interest Rate
1.00%
Annual Percentage Yield (APY)
1.00%
Amount
$75,000 and up
Interest Rate
1.05%
Annual Percentage Yield (APY)
1.06%
*Membership share accounts must maintain a $5 minimum.
Money Market Savings Plus
APY2 UP TO {rate-value}%
Amount
$0.01 - $49,999.99
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Amount
$50,000.00 - $99,999.99
Interest Rate
1.49%
Annual Percentage Yield (APY)
1.50%
Amount
$100,000.00 - $149,999.99
Interest Rate
1.74%
Annual Percentage Yield (APY)
1.75%
Amount
$150,000 and up
Interest Rate
1.74%
Annual Percentage Yield (APY)
1.75%
Money Market Premium
APY2 UP TO {rate-value}%
Amount
$0.01 - $24,999.99
Interest Rate
0.01%
Annual Percentage Yield (APY)
0.01%
Amount
$25,000.00 - $49,999.99
Interest Rate
1.00%
Annual Percentage Yield (APY)
1.00%
Amount
$50,0000.00 - $99,999.99
Interest Rate
1.49%
Annual Percentage Yield (APY)
1.50%
Amount
$100,000.00 - $249,999.99
Interest Rate
1.74%
Annual Percentage Yield (APY)
1.75%
Amount
$250,000.00 - $499,999.99
Interest Rate
2.23%
Annual Percentage Yield (APY)
2.25%
Amount
$500,000.00 - $749,999.99
Interest Rate
2.72%
Annual Percentage Yield (APY)
2.75%
Amount
$750,000.00 - $999,999.99
Interest Rate
3.20%
Annual Percentage Yield (APY)
3.25%
Amount
$1,000,000.00 and up
Interest Rate
3.45%
Annual Percentage Yield (APY)
3.51%
Aspire Savings
APY2 UP TO {rate-value}%
Amount
$0.01 - $1,000.00
Interest Rate
2.96%
Annual Percentage Yield (APY)
3.00%
Amount
$1,000.01 - $2,000.00
Interest Rate
2.96%
Annual Percentage Yield (APY)
3.00%
Amount
$2,000.01 - $5,000.00
Interest Rate
2.96%
Annual Percentage Yield (APY)
3.00%
Amount
$5,000.01 - $10,000.00
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Amount
$10,000.01 and up
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
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 $1,000.00 will produce a lower blended rate.
Holiday Savings
APY2 UP TO {rate-value}%
Amount
All Balances
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Funds dispersed October 1, including accumulated interest.
Special Savings
APY2 UP TO {rate-value}%
Amount
All Balances
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Youth Membership Savings
APY2 UP TO {rate-value}%
Amount
All Balances
Interest Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Certificate of Deposit (CDs)
Certificate of Deposit APY2 UP TO 4.15%
Term
3-5 Months
Amount
$500.00 - $3,999.99
Interest Rate
2.45%
Annual Percentage Yield (APY)
2.48%
Term
3-5 Months
Amount
$4,000.00 - $9,999.99
Interest Rate
2.70%
Annual Percentage Yield (APY)
2.73%
Term
3-5 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
3-5 Months
Amount
$100,000.00 and up
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
6 - 11 Months
Amount
$500.00 - $3,999.99
Interest Rate
3.25%
Annual Percentage Yield (APY)
3.30%
Term
6 - 11 Months
Amount
$4,000.00 - $9,999.99
Interest Rate
3.45%
Annual Percentage Yield (APY)
3.51%
Term
6 - 11 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
4.07%
Annual Percentage Yield (APY)
4.15%
Term
6 - 11 Months
Amount
$100,000.00 and up
Interest Rate
4.07%
Annual Percentage Yield (APY)
4.15%
Term
12 - 23 Months
Amount
$500.00 - $3,999.99
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
12 - 23 Months
Amount
$4,000.00 - $9,999.99
Interest Rate
3.60%
Annual Percentage Yield (APY)
3.66%
Term
12 - 23 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.69%
Annual Percentage Yield (APY)
3.75%
Term
12 - 23 Months
Amount
$100,000.00 and up
Interest Rate
3.69%
Annual Percentage Yield (APY)
3.75%
Term
24 - 35 Months
Amount
$500.00 - $9,999.99
Interest Rate
3.10%
Annual Percentage Yield (APY)
3.14%
Term
24 - 35 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.34%
Annual Percentage Yield (APY)
3.39%
Term
24 - 35 Months
Amount
$100,000.00 and up
Interest Rate
3.34%
Annual Percentage Yield (APY)
3.39%
Term
36 - 47 Months
Amount
$500.00 - $9,999.99
Interest Rate
3.15%
Annual Percentage Yield (APY)
3.20%
Term
36 - 47 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.30%
Annual Percentage Yield (APY)
3.35%
Term
36 - 47 Months
Amount
$100,000.00 and up
Interest Rate
3.30%
Annual Percentage Yield (APY)
3.35%
Term
48 - 59 Months
Amount
$500.00 - $9,999.99
Interest Rate
2.95%
Annual Percentage Yield (APY)
2.99%
Term
48 - 59 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.10%
Annual Percentage Yield (APY)
3.14%
Term
48 - 59 Months
Amount
$100,000.00 and up
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
60 - 72 Months
Amount
$500.00 - $9,999.99
Interest Rate
3.20%
Annual Percentage Yield (APY)
3.25%
Term
60 - 72 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
60 - 72 Months
Amount
$100,000.00 and up
Interest Rate
3.40%
Annual Percentage Yield (APY)
3.45%
Save to Win APY2 UP TO 2.89%
Term
N/A
Interest Rate
2.85%
Annual Percentage Rate (APY)
2.89%
IRA CD APY2 UP TO 4.15%
Term
3-5 Months
Amount
$500.00 - $3,999.99
Interest Rate
2.45%
Annual Percentage Yield (APY)
2.48%
Term
3-5 Months
Amount
$4,000.00 - $9,999.99
Interest Rate
2.70%
Annual Percentage Yield (APY)
2.73%
Term
3-5 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
3-5 Months
Amount
$100,000.00 and up
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
6 - 11 Months
Amount
$500.00 - $3,999.99
Interest Rate
3.25%
Annual Percentage Yield (APY)
3.30%
Term
6 - 11 Months
Amount
$4,000.00 - $9,999.99
Interest Rate
3.45%
Annual Percentage Yield (APY)
3.51%
Term
6 - 11 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
4.07%
Annual Percentage Yield (APY)
4.15%
Term
6 - 11 Months
Amount
$100,000.00 and up
Interest Rate
4.07%
Annual Percentage Yield (APY)
4.15%
Term
12 - 23 Months
Amount
$500.00 - $3,999.99
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
12 - 23 Months
Amount
$4,000.00 - $9,999.99
Interest Rate
3.60%
Annual Percentage Yield (APY)
3.66%
Term
12 - 23 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.69%
Annual Percentage Yield (APY)
3.75%
Term
12 - 23 Months
Amount
$100,000.00 and up
Interest Rate
3.69%
Annual Percentage Yield (APY)
3.93%
Term
24 - 35 Months
Amount
$500.00 - $9,999.99
Interest Rate
3.10%
Annual Percentage Yield (APY)
3.14%
Term
24 - 35 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.34%
Annual Percentage Yield (APY)
3.39%
Term
24 - 35 Months
Amount
$100,000.00 and up
Interest Rate
3.34%
Annual Percentage Yield (APY)
3.39%
Term
36 - 47 Months
Amount
$500.00 - $9,999.99
Interest Rate
3.15%
Annual Percentage Yield (APY)
3.20%
Term
36 - 47 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.30%
Annual Percentage Yield (APY)
3.35%
Term
36 - 47 Months
Amount
$100,000.00 and up
Interest Rate
3.30%
Annual Percentage Yield (APY)
3.35%
Term
48 - 59 Months
Amount
$500.00 - $9,999.99
Interest Rate
2.95%
Annual Percentage Yield (APY)
2.99%
Term
48 - 59 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.10%
Annual Percentage Yield (APY)
3.14%
Term
48 - 59 Months
Amount
$100,000.00 and up
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
60 - 72 Months
Amount
$500.00 - $9,999.99
Interest Rate
3.20%
Annual Percentage Yield (APY)
3.25%
Term
60 - 72 Months
Amount
$10,000.00 - $99,999.99
Interest Rate
3.35%
Annual Percentage Yield (APY)
3.40%
Term
60 - 72 Months
Amount
$100,000.00 and up
Interest Rate
3.40%
Annual Percentage Yield (APY)
3.45%
Aspire CD APY2 UP TO 2.99%
Term
2 years
Amount
$50.00 - $10,000
Interest Rate
Up to 2.95% APY compounded monthly
Annual Percentage Rate (APY)
2.99%
CD PLUS APY2 UP TO 4.25%
Term
7 months
Interest Rate
4.17%
Annual Percentage Rate (APY)
4.25%
Converts to a 6-month regular CD upon maturity.
Term
13 months
Interest Rate
3.93%
Annual Percentage Rate (APY)
4.00%
Converts to a 12-month regular CD upon maturity.
IRA CD PLUS APY2 UP TO 4.25%
Term
7 months
Interest Rate
4.17%
Annual Percentage Rate (APY)
4.25%
Converts to a 6-month regular IRA CD upon maturity.
Term
13 months
Interest Rate
3.93%
Annual Percentage Rate (APY)
4.00%
Converts to a 12-month regular IRA CD upon maturity.
Checking
Easy Checking
APY2 UP TO {rate-value}%
Account
$0
Interest Rate
0.00%
Annual Percentage Rate (APR)
0.00%
Money Market Checking
APY2 UP TO {rate-value}%
Account
$1,000 and up
Interest Rate
0.10%
Annual Percentage Rate (APR)
0.10%
2APY=Annual Percentage Yield. Rates as of November 5, 2024 and subject to change.
3Third Party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.