Bank · FDIC insured
Lake-Osceola State Bank CD Rates
Lake-Osceola State Bank’s best CD rate is 3.96% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Lake-Osceola State Bank’s CD rates compare
Compared with banks and credit unions near Big Rapids, MI, where Lake-Osceola State Bank has the most branches. $10,000, best rate first.
This bank’s best
Lake-Osceola State Bank
3.96%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $497
Certificates of Deposit
Top rate
Independent Bank
4.13%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $448
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $169
Lake-Osceola State Bank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.96%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.38%
- QualifiedQualified3.96%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lake-Osceola State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.96%APY · 13 terms
Quarterly compounding of interest. Early withdrawal penalty may apply. Options starting at $50 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.27% | $56 |
| 6 months | 2.27% | $113 |
| 7 months7 Months Special | 3.70% | $214 |
| 11 months11 Month Special | 3.39% | $310 |
| 12 months | 2.27% | $227 |
| 12 months12 Months TDOA | 2.27% | $227 |
| 15 months | 3.96% | $497 |
| 18 months | 2.27% | $342 |
| 24 months | 2.27% | $459 |
| 25 months25 Month Special W/Acct Rel | 2.78% | $588 |
| 30 months | 2.38% | $606 |
| 36 months | 2.38% | $731 |
| 48 months | 2.38% | $987 |
| 60 months | 2.38% | $1,248 |
Sources (3)
- losb.com/Personal-Banking/CDs-IRAs
- losb.com/Personal-Banking/CDs-…/Certificates-of-Deposit
- losb.com/Resources/Interest-Rates
All captured Sep 18, 2026
Opening an account
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