Bank · FDIC insured
Lake-Osceola State Bank Savings Rates
Lake-Osceola State Bank’s best savings rate is 1.00% APY on $10,000, with its Money Market Demand Accounts. Rates checked October 16, 2026.
How Lake-Osceola State Bank’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market Demand Accounts
Top rate
Horizon Bank
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Lake-Osceola State Bank savings score
85
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Demand Accounts
1.00%APY
$2,500 minimum balance to open and maintain; tiered rate of interest paid on balances over $2,500; unlimited withdrawals at any LOSB location; pre-authorized withdrawals or transfers limited to six per month per Federal Regulation D.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier applies to balances < $10,000.00; APY based on monthly compounding of interest; interest paid on balances over $2,500. | 1.00% | — | Tier applies to balances < $10,000.00; APY based on monthly compounding of interest; interest paid on balances over $2,500. |
| $10,000 – $25,000APY based on monthly compounding of interest. | 1.00% | $100 | APY based on monthly compounding of interest. |
| $25,000 – $50,000APY based on monthly compounding of interest. | 1.00% | — | APY based on monthly compounding of interest. |
| $50,000 – $100,000APY based on monthly compounding of interest. | 1.00% | — | APY based on monthly compounding of interest. |
| $100,000 – $250,000APY based on monthly compounding of interest. | 1.51% | — | APY based on monthly compounding of interest. |
| $250,000 – $500,000APY based on monthly compounding of interest. | 2.02% | — | APY based on monthly compounding of interest. |
| $500,000 – $1,000,000APY based on monthly compounding of interest. | 2.53% | — | APY based on monthly compounding of interest. |
| $1,000,000 and upAPY based on monthly compounding of interest. | 3.56% | — | APY based on monthly compounding of interest. |
Sources (2)
All captured Sep 18, 2026
Traditional Savings
0.25%APY
$5 quarterly service charge if balance falls below $100. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 quarterly service charge if balance falls below $100. APY based on quarterly compounding of interest. Fees may reduce earnings.Any balance | 0.25% | $25 | $5 quarterly service charge if balance falls below $100. APY based on quarterly compounding of interest. Fees may reduce earnings. |
Sources (3)
- losb.com/Personal-Banking/Savings-Money-Market
- losb.com/Personal-Banking/Savi…rket/Traditional-Savings
- losb.com/Resources/Interest-Rates
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
0.05%APY
Save year-round specifically for holiday expenses. Balance disbursed by November 1st by check or direct deposit. Penalty for withdrawal prior to annual disbursement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY based on quarterly compounding of interest. Accrued balance paid by Nov 1st; penalty for withdrawal prior to annual disbursement. Fees may reduce earnings.Any balance | 0.05% | $5 | APY based on quarterly compounding of interest. Accrued balance paid by Nov 1st; penalty for withdrawal prior to annual disbursement. Fees may reduce earnings. |
Sources (3)
- losb.com/Personal-Banking/Savings-Money-Market
- losb.com/Personal-Banking/Savi…ey-Market/Christmas-Club
- losb.com/Resources/Interest-Rates
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.