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Rates

Some of the Best Rates at the Lake!
Rates effective as of

Find interest rates for our CDs, Savings Accounts, Money Market Accounts and our interest-bearing Checking Accounts.

We offer competitive rates and friendly First Bank of the Lake service. 

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TERM FIXED INTEREST RATE APY* MINIMUM OPENING DEPOSIT
6 Month CD
0.55% 0.55% $5,000
9 Month CD 0.70%  0.70% $5,000
15 Month CD 0.85% 0.85% $5,000
26 Month CD 0.95% 0.95% $5,000
33 Month CD 1.00% 1.00% $5.000
42 Month CD 1.09% 1.10% $5,000
*Annual Percentage Yield (APY) represents the interest earned through maturity date. APY is accurate as of date of publication. Rates subject to change without notice at any time. Early withdrawal will be subject to penalties which could reduce earnings on these accounts. No institutional funds. No IRA accounts are opened for a period of less than 12 months.
3 and 6 month CDs interest compounds at maturity. 9 to 60 month CDs interest compounds quarterly. Other restrictions may apply. Call bank for details.
TERM FIXED INTEREST RATE APY* MINIMUM OPENING DEPOSIT
3 Month CD 0.10% 0.10% $2,000
12 Month CD 0.65% 0.65% $2,000
18 Month CD 0.75% 0.75% $2,000
24 Month CD
0.80% 0.80% $2,000
30 Month CD 0.90% 0.90% $2,000
36 Month CD 0.95% 0.95% $2,000
48 Month CD 1.00% 1.00% $2,000
60 Month CD 1.09% 1.10% $2,000
*Annual Percentage Yield (APY) represents the interest earned through maturity date. APY is accurate as of date of publication. Rates subject to change without notice at any time. Early withdrawal will be subject to penalties which could reduce earnings on these accounts. No institutional funds. No IRA accounts are opened for a period of less than 12 months.
3 and 6 month CDs interest compounds at maturity. 9 to 60 month CDs interest compounds quarterly. Other restrictions may apply. Call bank for details.
TERM VARIABLE INTEREST RATE APY* MINIMUM OPENING DEPOSIT
$100,000 and Above 0.70% 0.70% $500
$50,000 to $99,999.99 0.40% 0.40% $500
$25,000 to $49,999.99 0.30% 0.30% $500
Up to $24,999.99 0.20% 0.20% $500
*Annual Percentage Yield (APY) is accurate as of date of publication and may change at any time after the account is opened. Fees may reduce earnings on these accounts. Additional conditions and requirements may apply. See bank for details.
$10.00 service charge if balance falls below $1,000. Maintenance and activity fees could reduce balance below minimum required to earn interest. Daily interest not paid when balance falls below $1,000. Interest on collected balances paid monthly. Only 6 third-party preauthorized debits allowed per statement cycle. $10 charge for each item over 6.
INTEREST RATE TIERS VARIABLE INTEREST RATE APY* MINIMUM OPENING DEPOSIT
Balances Up to $9, 999.99 1.98% 2.00% $25
Balances $10,000 and Above 1.98% to 0.41% (depending on balance in account) 2.00% to 0.41% (depending on balance in account) $25
Base Rate if qualifications are not met 0.05% 0.05% $25
*Annual Percentage Yield (APY)and rewards are accurate as of date of publication and may change any time after the account is opened. $25 minimum opening deposit. Enrollment in Online Banking and eStatements are required for this account. Up to $25 in ATM fees refunded per statement cycle with a $4.99 Max ATM fee refund per transaction. Your cell phone provider may charge additional fees for web access or text messages for Mobile Banking & Mobile Deposit. Other fees such as NSF, overdraft, dormant fees on inactive accounts etc, may apply. Offer good on personal account only; business and corporate accounts do not qualify. Bank rules and regulations apply. See bank for details.
INTEREST RATE TIERS VARIABLE INTEREST RATE APY* MINIMUM OPENING DEPOSIT
n/a n/a n/a $25
*Annual Percentage Yield (APY)and rewards are accurate as of date of publication and may change any time after the account is opened. $25 minimum opening deposit. Enrollment in Online Banking and eStatements are required for this account. Up to $25 in ATM fees refunded per statement cycle with a $4.99 Max ATM fee refund per transaction. Your cell phone provider may charge additional fees for web access or text messages for Mobile Banking & Mobile Deposit. Other fees such as NSF, overdraft, dormant fees on inactive accounts etc, may apply. Offer good on personal account only; business and corporate accounts do not qualify. Bank rules and regulations apply. See bank for details.
ACCOUNT VARIABLE INTEREST RATE APY* MINIMUM OPENING DEPOSIT
FREE Kasasa Saver**


Balances Up to $24,999.99 0.75% 0.75% $25
Balances $25,000 and Above 0.75% to 0.35% (depending on balance in account) 0.75% to 0.35% (depending on balance in account) $25
Base Rate if qualifications are not met 0.05% 0.05% $25
Traditional Savings 0.05% 0.05% $100
Young Savers 0.05% 0.05% $50
*Annual Percentage Yield (APY) is accurate as of date of publication and may change at any time after the account is opened. Fees may reduce earnings on these accounts. Up to 6 preauthorized transfers allowed per statement cycle. $1 charge for each transfer or withdrawal over 6. Additional conditions and requirements may apply. See bank for details. 
**Must have a Kasasa Cash or Kasasa Cash Back Checking Account.
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