[ Skip to Content ]

You are leaving Lake Shore Savings!


Thank you for visiting!!


Cancel or wait and you will go to the site shortly.

Fixed Interest Rates

10 Year Term:  Conforming Rate 3.375%, APR 3.591%

15 Year Term: Conforming Rate 3.500%, APR 3.649%

20 Year Term: Conforming Rate 4.000%, APR 4.118%

30 Year Term: Conforming Rate 4.250%, APR 4.366%

APRs are based on $100,000 loan amount  and 20% down payment. Rates are subject to change without notice, based on credit score, and loan to value. Please ask for details. Lock in Fee of $500.00 is to be collected at application if customer desires to lock in rate. Biweekly loans must be set up on auto-pay (no construction or escrow funds). Construction loans use non-conforming rate. Loans over the conforming limits for qualified applicants are considered using non-conforming rates using the following: $417,000 (1 family), $533,850 - (2 family), $645,300-(3 family), and $801,950 (4 family) Must be owner-occupied for conforming rate. All APRs and Rates are accurate as of April 1, 2016 and are subject to change without notice.

We also offer No Closing Cost Mortgages on Purchases or Refinances. Call or visit your local branch for details.

Current Rates
insight advisor