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Rates

Some of the Best Rates at the Lake!
Rates effective as of 10/01/2021


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 APY* MINIMUM OPENING DEPOSIT
6 Month CD*
3.85% $5,000
9 Month CD* 4.00% $5,000
15 Month CD* 4.25% $5,000
26 Month CD* 4.30% $5,000
30 Month Bump-up CD** 4.30% $5,000
33 Month CD* 4.15% $5,000
42 Month CD* 4.05% $5,000
*Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. No institutional funds allowed. Other restrictions may apply. Contact bank for details.
**30 Month Bump-up CD: Annual Percentage Yield (APY) represents interest earned through maturity date. APY is accurate as of date of publication and may change without notice at any time after the account is opened. Early withdrawals may be subject to penalties which could reduce earnings on these accounts. A one-time rate adjustment is permitted any time during the original term. When exercising the bump-up option, the term must be the same as the term of your original CD. Bump-up CDs will renew into CDs not permitting a bump-up of the interest rate. 
TERM APY* MINIMUM OPENING DEPOSIT
3 Month CD 0.75% $5,000
12 Month CD 2.75% $5,000
18 Month CD 3.25% $5,000
24 Month CD
3.45% $5,000
30 Month CD 3.51% $5,000
36 Month CD 3.51% $5,000
48 Month CD 3.51% $5,000
60 Month CD 3.51% $5,000

*Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. No institutional funds allowed. Other restrictions may apply. Contact bank for details.

TERM APY* MINIMUM OPENING DEPOSIT
$250,000 and Above 2.34% $500
$100,000 to $249,999.99 1.75% $500
$50,000 to $99,999.99 0.75% $500
$25,000 to $49,999.99 0.55% $500
Up to $24,999.99 0.45% $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 APY* MINIMUM OPENING DEPOSIT
Balances Up to $9, 999.99 2.00% $25
Balances $10,000 and Above 2.00% to 0.41% (depending on balance in account) $25
Base Rate if qualifications are not met 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 APY* MINIMUM OPENING DEPOSIT
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 APY* MINIMUM OPENING DEPOSIT
FREE Kasasa Saver**

Balances Up to $24,999.99 0.75% $25
Balances $25,000 and Above 0.75% to 0.35% (depending on balance in account) $25
Base Rate if qualifications are not met 0.05% $25
Traditional Savings 0.25% $100
Young Savers 0.25% $50
*Annual Percentage Yield (APY) is accurate as of date of publication. The interest rate and APY may change after the account is opened. Fees could reduce the earnings on the account. No institutional funds allowed. Other restrictions may apply. Contact bank for details.
**Must have a Kasasa Cash or Kasasa Cash Back Checking Account.





























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FREE Checking. Awesome Rewards. Better Banking!

Free Checking that rewards you every month. Earn higher interest or get interest back on debit card purchases.