Bank · FDIC insured
Lake Shore Bank CD Rates
Lake Shore Bank’s best CD rate is 4.44% APY on an 18-month CD. Terms run from 3 months to 57 months. Rates checked October 16, 2026.
How Lake Shore Bank’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Lake Shore Bank has the most branches. $10,000, best rate first.
This bank’s best
Lake Shore Bank
4.44%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $673
Select Certificate of Deposit (CD)
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Lake Shore Bank CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.44%
- 31–60 months31–60 mo2.90%
- QualifiedQualified4.44%
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 Shore 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.
Select Certificate of Deposit (CD)
Up to 4.44%APY · 8 terms
Assumes interest will remain on deposit until maturity. Early withdrawal penalties may apply. $500 minimum deposit required to open any CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.45% | $61 |
| 6 months | 3.60% | $178 |
| 9 months | 3.50% | $261 |
| 14 months | 2.95% | $345 |
| 17 months17-Month Bump-Up: One time during the initial term of the account you may request in writing in a manner acceptable to Lake Shore Bank that the interest rate and APY on your account be changed, or "bumped," to the interest rate and APY offered by Lake Shore 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. When it matures, the CD will automatically renew to the terms and conditions of the Bank's standard 18-month CD | 3.01% | $429 |
| 18 monthsAll deposits to the 18-month CD must be new money. "New money" is defined as funds that are not currently and were not previously on deposit with Lake Shore Bank. Financial institutions, as defined in the sole discretion of Lake Shore Bank, are ineligible depositors for this product | 4.44% | $673 |
| 22 months | 2.75% | $510 |
| 57 months | 2.90% | $1,454 |
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.