Credit union · NCUA insured
Lake Trust Credit Union Savings Rates
Lake Trust Credit Union’s best savings rate is 0.05% APY, with its Aspire Savings, with extra requirements. Rates checked October 16, 2026.
How Lake Trust Credit Union’s savings rates compare
Compared with banks and credit unions in Michigan, where Lake Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lake Trust Credit Union
0.05%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $5
Aspire Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Aspire Savings
0.05%APY
Restricted to one account per membership. Membership Savings Account is required to establish membership. Blended rate account where each dividend rate applies to daily balance within that tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to daily balance within the tier ($0.01 - $5,000.00). Interest compounded monthly. | 3.00% | — | Applies to daily balance within the tier ($0.01 - $5,000.00). Interest compounded monthly. |
| $5,000 – $10,000Applies to portion of balance between $5,000.01 and $10,000.00. Balances of more than $5,000.00 produce a lower blended rate. Interest compounded monthly. | 0.05% | $5 | Applies to portion of balance between $5,000.01 and $10,000.00. Balances of more than $5,000.00 produce a lower blended rate. Interest compounded monthly. |
Sources (4)
- laketrust.org
- laketrust.org/personal/banking/current-rates
- laketrust.org/aspire-savings
- laketrust.org/personal/banking/savings-accounts
All captured Sep 18, 2026
Special-purpose accounts
HSA Money Market
0.01%APY
Membership Savings Account required to establish membership and open HSA Money Market. Rate may change after account is opened. Fees could reduce earnings. No minimum balance fees. Debit card not available. Contact, visit a relationship center, or HSA contact form to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000APY up to 3.25% is the top advertised yield, not this tier. | 0.01% | $1 | APY up to 3.25% is the top advertised yield, not this tier. |
| $25,000 – $50,000 | 2.75% | — | |
| $50,000 – $100,000Source prints lower bound as $50,0000.00. | 3.00% | — | Source prints lower bound as $50,0000.00. |
| $100,000 and up | 3.25% | — |
Sources (2)
All captured Sep 18, 2026
Health Savings Account (HSA)
0.30%APY
Requires enrollment in a high-deductible health plan (HDHP), not covered by other insurance, not enrolled in Medicare, and not claimed as a dependent. Membership Savings Account required to establish membership. Contribution limits: $4,300 self / $8,550 family (2025); $4,400 self / $8,750 family (2026); $1,000 catch-up for age 55+.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Rate may change after account is opened. | 0.15% | — | Rate may change after account is opened. |
| $5,000 and upRate may change after account is opened. | 0.30% | $30 | Rate may change after account is opened. |
Sources (3)
- laketrust.org/personal/banking/current-rates
- laketrust.org/personal/banking/savings-accounts
- laketrust.org/consumer-health-savings-accounts
All captured Sep 18, 2026
Who can join Lake Trust Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.