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Lake-Osceola State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.losb.com
231-745-4601
790 North Michigan Avenue
Baldwin, MI 49304

Lake-Osceola State Bank is headquartered in BALDWIN and is the 35th largest bank in the state of Michigan. It is also the 1,943rd largest bank in the nation. It was established in 1908 and as of March of 2025, it had grown to 81 employees at 13 locations. Lake-Osceola State Bank's money market rates are 8X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8172
Year Established1908
Employees81
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD15.13%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$451.2MM$441.8MM
LoansQ1 2025vs Q1 2024$258.3MM$260.9MM
DepositsQ1 2025vs Q1 2024$388.4MM$378.7MM
Equity CapitalQ1 2025vs Q1 2024$39.9MM$36.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5MM$3.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$535K$972K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake-Osceola State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Savings Account
0.05%$5-Christmas Club

Lake-Osceola State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%*$1m*-Money Market
OTHER TIERS: 1.00% → $0 - $100k | 1.51% → $100k - $250k | 2.02% → $250k - $500k | 2.53% → $500k - $1m

Lake-Osceola State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Interest Checking

Lake-Osceola State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$10k-7 Month CD Special
3.65%$10k-11 Month CD Special
3.55%$10k-15 Month CD w/ Acct Rel
3.03%$10k-25 Month CD Special W/ Acct Rel
2.38%$500-30 Month CD
2.38%$500-36 Month CD
2.38%$500-48 Month CD
2.38%$500-60 Month CD
2.27%$500-6 Month CD
2.27%$500-18 Month CD
2.27%$500-24 Month CD
2.27%$5k-90 Day CD
2.27%$50-12 Month TDOA
2.27%$500-12 Month CD

Lake-Osceola State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%$500-30 Month IRA
2.38%$500-36 Month IRA
2.38%$500-48 Month IRA
2.38%$500-60 Month IRA
2.27%$5k-90 Day IRA
2.27%$500-6 Month IRA
2.27%$500-12 Month IRA
2.27%$500-18 Month IRA
2.27%$500-24 Month IRA
Locations

Availability



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