Look to Lake Shore Bank for competitive rates and professional guidance to help you find the best products for your needs. If you’re not sure which options are right for you, or if you have questions, please call or stop in to your local Lake Shore Bank branch. We’ll be happy to help you determine the loan or account that best fits your financial needs.
Home equity line of credit as low as
Fixed 30-Year mortgage as low as
Savings rates as high as
1 - All Annual Percentage Yields (APY’s) and rates are accurate as of May 23, 2026, and are subject to change without notice. Any APY provided in this disclosure assumes interest will remain on deposit until maturity, for accounts with terms, or for at least one year for accounts with no terms. Fees and withdrawals will reduce earnings. Early withdrawal penalties may apply for CDs. See your account disclosures for additional information about your account. Current rate information can be obtained by calling any of our offices.
2 - One time during the initial term of the account you may request in writing in a manner acceptable to Lake Shore Bank (‘the request’) that the interest rate and APY on your account be changed, or “bumped,” to the interest rate and APY offered by Lake Shore Bank (‘the Bank’) on the date the request is made for the 17-month CD or the 17-month Bump-Up CD (if offered) should the Bank offer a higher rate. The change in interest rate will be effective as of the date of the request and remain in place until the maturity date. If you do not make the request during the initial term of your account, you will be paid the initial interest rate and APY until the maturity date. When it matures, the CD will automatically renew to the terms and conditions of the Bank’s standard 18-month CD. See your account disclosures for additional information about your account.
