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
Term
Annual Percentage Rate (APR)

Model Years

New - 2022

Term

Up to 84 months

Annual Percentage Rate (APR)

6.59% to 16.29%

Model Years

2021 - 2016 (175K miles or less)

Term

Up to 84 months

Annual Percentage Rate (APR)

6.84% to 16.54%

Model Years

2015 & Older (175K miles or less)

Term

Up to 84 months

Annual Percentage Rate (APR)

7.34% to 17.04%

APPLY NOW

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
Term
Annual Percentage Rate (APR)

Model Years

New - 2022

Term

Up to 72 months

Annual Percentage Rate (APR)

6.59% to 15.79%

Model Years

2021 - 2019

Term

Up to 72 months

Annual Percentage Rate (APR)

6.84% to 16.04%

APPLY NOW

Boat
APR1 AS LOW AS {rate-value}%

Model Years
Term
Annual Percentage Rate (APR)

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%

APPLY NOW

Recreational Vehicle (RV)
APR1 AS LOW AS {rate-value}%

Model Years
Term
Annual Percentage Rate (APR)

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%

APPLY NOW

Motorcycle
APR1 AS LOW AS {rate-value}%

Model Years
Term
Annual Percentage Rate (APR)

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%

APPLY NOW

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
Term
Annual Percentage Rate (APR)

Minimum Amount to Finance

Any

Term

Up to 84 Months

Annual Percentage Rate (APR)

9.70% to 18.95%

APPLY NOW

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
Term
Annual Percentage Rate (APR)

Minimum Amount to Finance

Minimum $10,000

Term

Up to 120 Months

Annual Percentage Rate (APR)

6.09% to 7.24%

Minimum Amount to Finance

$10,000

Term

Up to 180 Months

Annual Percentage Rate (APR)

5.75% to 6.90%

Minimum Amount to Finance

$10,000

Term

Up to 240 Months

Annual Percentage Rate (APR)

6.10% to 7.25%

APPLY NOW

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
Term
Annual Percentage Rate (APR)

Minimum Amount to Finance

Minimum $10,000

Term

Up to 120 Months

Annual Percentage Rate (APR)

8.04% to 9.19%

Minimum Amount to Finance

$10,000

Term

Up to 180 Months

Annual Percentage Rate (APR)

7.75% to 8.90%

Minimum Amount to Finance

$10,000

Term

Up to 240 Months

Annual Percentage Rate (APR)

8.10% to 9.25%

APPLY NOW

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
Term
Annual Percentage Rate (APR)

Minimum Amount to Finance

Minimum $10,000

Term

Up to 120 Months

Annual Percentage Rate (APR)

8.84% to 9.99%

Minimum Amount to Finance

$10,000

Term

Up to 180 Months

Annual Percentage Rate (APR)

8.55% to 9.70%

Minimum Amount to Finance

$10,000

Term

Up to 240 Months

Annual Percentage Rate (APR)

8.90% to 10.05%

APPLY NOW

Home Equity Line of Credit (HELOC): Primary Residence
APR1 AS LOW AS {rate-value}%

Maximum Combined Loan to Value up to 95%
Loan Type
Minimum Amount
Term
Annual Percentage Rate (APR)

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, currently Current Rate 8.50%

APPLY NOW

Other Loans

Personal Line of Credit
APR1 {rate-value}%

Minimum Credit Limit
Annual Percentage Rate (APR)

Minimum Credit Limit

$300

Annual Percentage Rate (APR)

16.00%

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

Personal Unsecured/Signature Loan
APR1 AS LOW AS {rate-value}%

First Lien Position - Primary Residence - Maximum Combined Loan to Value up to 90%
Minimum Credit Limit
Term
Annual Percentage Rate (APR)

Minimum Credit Limit

None

Term

Maximum 120 Months

Annual Percentage Rate (APR)

10.50% to 23.10%

APPLY NOW

Life Impact Loan
APR1 {rate-value}%

Maximum Amount to Finance
Term
Annual Percentage Rate (APR)

Maximum Amount to Finance

$4,000

Term

Up to 24 Months

Annual Percentage Rate (APR)

13.25%

LEARN MORE

Credit Cards

Platinum Elite Visa
APR1 AS LOW {rate-value}% VARIABLE

Minimum
Program Name
Annual Percentage Rate (APR)
Balance Transfer APR
Cash Advance APR

Minimum

$500

Program Name

Platinum Elite Visa

Annual Percentage Rate (APR)

13.40% to 20.40%

Balance Transfer APR

16.40 to 23.40%

Cash Advance APR

16.40% to 23.40%

OPEN A CARD

Platinum Elite Rewards Visa
APR1 AS LOW AS {rate-value}% VARIABLE

Minimum
Program Name
Annual Percentage Rate (APR)
Balance Transfer APR
Cash Advance APR

Minimum

$500

Program Name

Platinum Elite Rewards Visa ®

Annual Percentage Rate (APR)

15.40% to 22.40%

Balance Transfer APR

18.40% to 23.99%

Cash Advance APR

18.40% to 23.99%

OPEN A CARD

Savings

Membership Savings
APY2 UP TO {rate-value}%

Maximum Combined Loan to Value up to 95%
Amount
Account
Interest Rate
Annual Percentage Yield (APY)

Amount

Membership Savings

Account

All Balances

Interest Rate

0.05%

Annual Percentage Yield (APY)

0.05%

BECOME A MEMBER

*Membership share accounts must maintain a $5 minimum.

Money Market Savings
APY2 UP TO {rate-value}%

Amount
Interest Rate
Annual Percentage Yield (APY)

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%

ADD ACCOUNT

*Membership share accounts must maintain a $5 minimum.

Money Market Savings Plus
APY2 UP TO {rate-value}%

Amount
Interest Rate
Annual Percentage Yield (APY)

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%

OPEN ACCOUNT

Money Market Premium
APY2 UP TO {rate-value}%

Amount
Interest Rate
Annual Percentage Yield (APY)

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%

OPEN ACCOUNT

Aspire Savings
APY2 UP TO {rate-value}%

Amount
Interest Rate
Annual Percentage Yield (APY)

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%

ADD ACCOUNT

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
Interest Rate
Annual Percentage Yield (APY)

Amount

All Balances

Interest Rate

0.05%

Annual Percentage Yield (APY)

0.05%

FIND A BRANCH

Funds dispersed October 1, including accumulated interest.

Special Savings
APY2 UP TO {rate-value}%

Amount
Interest Rate
Annual Percentage Yield (APY)

Amount

All Balances

Interest Rate

0.05%

Annual Percentage Yield (APY)

0.05%

ADD ACCOUNT

Youth Membership Savings
APY2 UP TO {rate-value}%

Amount
Interest Rate
Annual Percentage Yield (APY)

Amount

All Balances

Interest Rate

0.05%

Annual Percentage Yield (APY)

0.05%

ADD ACCOUNT

Certificate of Deposit (CDs)

Certificate of Deposit APY2 UP TO 4.15%

Term
Amount
Interest Rate
Annual Percentage Yield (APY)

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

3.35%

Annual Percentage Yield (APY)

3.40%

Term

24 - 35 Months

Amount

$10,000.00 - $99,999.99

Interest Rate

3.59%

Annual Percentage Yield (APY)

3.65%

Term

24 - 35 Months

Amount

$100,000.00 and up

Interest Rate

3.59%

Annual Percentage Yield (APY)

3.65%

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%

ADD ACCOUNT
Minimum balance $500.

Save to Win APY2 UP TO 2.89%

Term
Interest Rate
Annual Percentage Rate (APY)

Term

N/A

Interest Rate

2.85%

Annual Percentage Rate (APY)

2.89%

FIND A BRANCH
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.

IRA CD APY2 UP TO 4.15%

Term
Amount
Interest Rate
Annual Percentage Yield (APY)

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

3.35%

Annual Percentage Yield (APY)

3.40%

Term

24 - 35 Months

Amount

$10,000.00 - $99,999.99

Interest Rate

3.59%

Annual Percentage Yield (APY)

3.65%

Term

24 - 35 Months

Amount

$100,000.00 and up

Interest Rate

3.59%

Annual Percentage Yield (APY)

3.65%

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%

FIND A BRANCH

Aspire CD APY2 UP TO 2.99%

Term
Amount
Interest Rate
Annual Percentage Rate (APY)

Term

2 years

Amount

$50.00 - $10,000

Interest Rate

Up to 2.95% APY compounded monthly

Annual Percentage Rate (APY)

2.99%

ADD ACCOUNT

CD PLUS 4.00% APY2

Term
Amount
Interest Rate
Annual Percentage Rate (APY)

Term

13 months

Amount

$500 minimum

Interest Rate

3.93%

Annual Percentage Rate (APY)

4.00%

ADD ACCOUNT
Minimum deposit of $500. The product converts to a 12-month regular CD upon maturity.

IRA CD PLUS 4.00% APY2

Term
Amount
Interest Rate
Annual Percentage Rate (APY)

Term

13 months

Amount

$500 minimum

Interest Rate

3.93%

Annual Percentage Rate (APY)

4.00%

FIND A BRANCH
Minimum deposit of $500. The product converts to a 12-month regular IRA CD upon maturity.

Checking

Easy Checking
APY2 UP TO {rate-value}%

Account
Interest Rate
Annual Percentage Rate (APR)

Account

$0

Interest Rate

0.00%

Annual Percentage Rate (APR)

0.00%

ADD ACCOUNT

Money Market Checking
APY2 UP TO {rate-value}%

Account
Interest Rate
Annual Percentage Rate (APR)

Account

$1,000 and up

Interest Rate

0.10%

Annual Percentage Rate (APR)

0.10%

ADD ACCOUNT
1APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective October 1, 2024 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 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.

2APY=Annual Percentage Yield. Rates as of October 1, 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.