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Current Rates

We put our brainpower together and worked really hard to give each solution, loan, and account type a great rate. Check out what we’ve got in store for you. 

Vehicle Loans

Auto Loan
APR* as low as AutoLoan
 
 
Model Years Term Annual Percentage Rate (APR)
New-2018 Up to 84 months 2.99% to 12.54%
2017-2012 (200K miles or less) Up to 84 Months 3.24% to 12.79%
2011 & Older (200K miles or less) Up to 84 Months 3.74% to 13.29%

Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

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AutoSaver Loan
APR* as low as AutoSaver
 
 
Model Years Term Annual Percentage Rate (APR)
New-2018 Up to 60 months 2.99% to 11.79%
2017-2015 (mileage restrictions may apply) Up to 60 months 3.24% to 12.04%

Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

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Boats
APR* as low as LargeBoatRV
 

Boats eligible for this category of rates have amount financed of at least $7,500 OR must be 15 feet or greater in length.

Model Years Minimum Amount to Finance Term Annual Percentage Rate (APR)
New-2019 $7,500 Up to 240 Months 4.94% to 14.24%
2018-2014 $7,500 Up to 240 Months 5.19% to 14.49%
2013 & Older $7,500 Up to 240 Months 5.69% to 14.99%

Boats eligible for this category of rates have amount financed of less than $7,500 OR must be less than 15 feet in length.

Model Years Minimum Amount to Finance Term Annual Percentage Rate (APR)
Any None Up to 84 Months 6.45% to 15.70%

Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

Apply Online
Recreational Vehicle (RV)
APR* as low as LargeBoatRV
 

RVs eligible for this category of rates must have an amount financed of at least $7,500.

Model Years Minimum Amount to Finance Term Annual Percentage Rate (APR)
New-2019 $7,500 Up to 240 Months 4.94% to 14.24%
2018-2014 $7,500 Up to 240 Months 5.19% to 14.49%
2013 & Older $7,500 Up to 240 Months 5.69% to 14.99%

RVs eligible for this category of rates must have an amount financed of less than $7,500.

Model Years Minimum Amount to Finance Term Annual Percentage Rate (APR)
Any None Up to 84 Months 6.45% to 15.70%

Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

Apply Online
Motorcycle
APR* as low as Motorcycle
 

Motorcycles eligible for this category of rates must be a minimum of 900cc or 57HP for electric motorcycles.​

Model Years Term Annual Percentage Rate (APR)
New-2019 Up to 120 Months 4.24% to 13.99%
2018-2014 Up to 120 Months 4.74% to 14.49%
2013 & Older Up to 120 Months 5.74% to 15.49%

Motorcycles eligible for this category of rates must be under 900cc or 57HP for electric motorcycles.

Model Years Minimum Amount to Finance Term Annual Percentage Rate (APR)
Any None Up to 84 Months 6.45% to 15.70%

Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

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Other Vehicle Loans
APR* as low as VehicleOthers
 
 
Minimum Amount to Finance Term Annual Percentage Rate (APR)
Any Up to 84 Months 6.45% to 15.70%

Qualified vehicles in this category include Personal Watercrafts (e.g. Jet Skis), Snowmobiles, ATVs, Campers, Tractors, Riding Lawn Mowers, Trailers, and any other collateral accepted by Lake Trust. Ask a Lake Trust representative for more details.

Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secure the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

Apply Online

Home Loans

Mortgage Loan
APR* changes daily see rates for more details
 

Your rate will be in the ranges disclosed above and will 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.

Check Today's Rate1
Fixed Home Equity Loan
APR* as low as FixedHomeEquityLoan
 
First Lien Position - Maximum Combined Loan to Value up to 95%
Minimum Amount to Finance Term Annual Percentage Rate (APR)
Minimum $10,000 Up to 120 Months 3.25% to 4%
$10,000 Up to 180 Months 3.4% to 4.04%
$10,000 Up to 240 Months 3.5% to 4.04%
Second Lien Position - Maximum Combined Loan to Value up to 95%
Minimum Amount to Finance Term Annual Percentage Rate (APR)
Minimum $10,000 Up to 120 Months 4.25% to 5.85%
$10,000 Up to 180 Months 4.5% to 6.04%
$10,000 Up to 240 Months 4.75% to 6.04%

Your rate will be in the ranges disclosed above and will 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.

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Home Equity Line of Credit (HELOC)
APR* as low as HELOC
 
HELOC HELOC HELOC
Maximum Combined Loan to Value up to 95%
Loan Type Minimum Amount Term Annual Percentage Rate (APR)
Variable* Rate Line of Credit $10,000 Five year Draw Period, Extended upon Review Prime Rate Adjusted Quarterly, Currently 4%

Your rate will be in the ranges disclosed above and will 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.

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Other Loans

Personal Line of Credit
APR* PersonalLineOfCredit
 
 
Minimum Credit Limit Annual Percentage Rate (APR)
$300 16.00%

Minimum monthly payment is a percentage of the outstanding balance (minimum of $17.50/month).

Actual rate and loan term is based on borrower’s creditworthiness and amount borrowed. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

Apply Now
Personal Unsecured/Signature Loan
APR* as low as UnsecuredSignatureLoan
 
 
Minimum Credit Limit Term Annual Percentage Rate (APR)
None Maximum 60 Months 8.90% to 16.50%

Actual rate and loan term is based on borrower’s creditworthiness and amount borrowed. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

Apply Now
Undergraduate Student Loans
 
Check rates1
Graduate Business Loans
 
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Life Impact Loan
APR* 6.75%
 
 
Maximum Amount to Finance Term Annual Percentage Rate (APR)
$4,000 Up to 24 months 6.75%

Actual rate and loan term is based on borrower's creditworthiness and amount borrowed. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

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Credit Cards

Platinum Elite Visa ®
APR* as low as PlatinumElite Variable*
 
 
Minimum Program Name Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR
$500 Platinum Elite Visa 8.15% to 15.15% 11.15% to 18.15% 11.15% to 18.15%

APR* will vary with the market based on the Prime Rate.​ Your rate will be in the ranges disclosed above and will 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.

Open a Card
Platinum Elite Rewards Visa ®
APR* as low as PlatinumEliteRewards Variable*
 
 
Minimum Program Name Annual Percentage Rate (APR) Balance Transfer APR* Cash Advance APR*
$500 Platinum Elite Rewards Visa ® 10.15% to 17.15% 13.15% to 20.15% 13.15% to 20.15%

APR* will vary with the market based on the Prime Rate.​ Your rate will be in the ranges disclosed above and will 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.

Open a Card

Savings

Membership Savings
APY* up to PrimarySavings
 
 
Account Amount Interest Rate Annual Percentage Yield*
Membership Savings All Balances 0.05% 0.05%

* Membership share accounts must maintain a $5 minimum.

Become a Member
Money Market Savings
APY* up to MoneyMarketSavings
 
 
Amount Interest Rate Annual Percentage Yield*
$0.01 - $3,999.99 0.05% 0.05%
$4,000.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 and up 0.15% 0.15%
Add Account
Money Market Savings Plus
APY* up to MoneyMarketPlus
 
 
Amount Interest Rate Annual Percentage Yield*
$0.01 - $49,999.99 0.05% 0.05%
$50,000.00 - $99,999.99 0.25% 0.25%
$100,000.00 - $149,999.99 0.25% 0.25%
$150,000.00 and up 0.25% 0.25%
Add Account
Holiday Savings
APY* up to HolidaySavings
 
 
Amount Interest Rate Annual Percentage Yield*
All Balances 0.05% 0.05%

Funds dispersed October 1, including accumulated interest.

Find a Branch
Special Savings
APY* up to HolidaySavings
 
 
Amount Interest Rate Annual Percentage Yield*
All Balances 0.05% 0.05%
Add Account
Youth Membership
APY* up to MinorPrimarySavings
 
 
Amount Interest Rate Annual Percentage Yield*
All Balances 0.05% 0.05%
Find a Branch

CDs

Certificate of Deposit
APY* up to CD
 
 
Term Amount Interest Rate Annual Percentage Yield*
3 - 5 Months $500 - $9,999.99 0.30% 0.30%
3 - 5 Months $10,000 - $24,999.99 0.30% 0.30%
3 - 5 Months $25,000 and up 0.30% 0.30%
6 - 11 Months $500 - $3,999.99 0.35% 0.35%
6 - 11 Months $4,000 and up 0.35% 0.35%
12 - 23 Months $500 and up 0.40% 0.40%
24 - 35 Months $500 and up 0.55% 0.55%
36 - 47 Months $500 - $24,999.99 0.60% 0.60%
36 - 47 Months $25,000.00 and up 0.60% 0.60%
48 - 59 Months $500 and up 0.70% 0.70%
60 - 72 Months $500 and up 0.85% 0.85%

Minimum balance $500.

Add Account
Save To Win
APY* up to SaveToWin
 
 
Term Interest Rate Annual Percentage Yield*
N/A 0.55% 0.55%

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.

Find a Branch
IRA CD
APY* up to IRACD
 
 
Term Amount Interest Rate Annual Percentage Yield*
3 - 5 Months $500 - $9,999.99 0.30% 0.30%
3 - 5 Months $10,000 - $24,999.99 0.30% 0.30%
3 - 5 Months $25,000 and up 0.30% 0.30%
6 - 11 Months $500 - $3,999.99 0.35% 0.35%
6 - 11 Months $4,000 and up 0.35% 0.35%
12 - 23 Months $500 and up 0.40% 0.40%
24 - 35 Months $500 and up 0.55% 0.55%
36 - 47 Months $500 - $24,999.99 0.60% 0.60%
36 - 47 Months $25,000.00 and up 0.60% 0.60%
48 - 59 Months $500 and up 0.70% 0.70%
60 - 72 Months $500 and up 0.85% 0.85%
Find a Branch
Aspire CD
APY* up to AspireCD
 
 
Term Amount Interest Rate Annual Percentage Yield*
2 Years $50.00 - $10,000 Up to 0.50% APY Compounded Monthly 0.50%
Add Account

Checking

Easy Checking
APY* up to EasyChecking
 
 
Amount Interest Rate Annual Percentage Yield*
$0 0.00% 0.00%
Add Account
Money Market Checking
APY* up to MoneyMarketChecking
 
 
Amount Interest Rate Annual Percentage Yield*
$1,000 and up 0.05% 0.05%
Add Account

 

*APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective UniversalEffectiveDate and subject to change. Actual rate and loan term is based on borrower’s creditworthiness, amount borrowed, as well as the type, value, age, and condition of the collateral offered to secured the loan. Allowable terms vary by loan amount. Loan subject to approval. A loan officer will inform you of the rate and term you qualify for after reviewing your loan application documents.

*APY=Annual Percentage Yield. Rates as of UniversalEffectiveDate and subject to change.

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