A locally owned savings and loan since 1987. Higher savings rates, lower mortgage rates, and a teller who knows your name at all 12 of our lakeshore branches.
Trusted by 48,000+ local families · $2.1B in assets · Deposits insured by the FDIC up to $250,000
Savings and checking built around the way local families actually use money — no hidden fees, no gimmicks.
Earn 4.35% APY with no monthly fee and no minimum balance. Rates reviewed monthly and adjusted to stay competitive — your money compounds while you sleep.
$0 maintenance fee when you set up a direct deposit. Free overdraft protection linked to your savings and full access at 60,000+ ATM locations nationwide.
4.10% APY with limited check writing and next-day liquidity. Perfect for money you'll need in 3–12 months — it keeps earning while it waits.
College money with a dedicated account per student, transfer tools that make annual gifting simple, and a free 529 enrollment review from our team.
Access the equity you've already built. Draw what you need, when you need it, and only pay interest on what you use. No annual fee.
Free for the first 12 months for local businesses. Unlimited ACH, a dedicated business banker, and same-day check deposits at any branch.
Posted as of October 15, 2026 — subject to change without notice.
| Product | APY | Minimum balance |
|---|---|---|
| Lakeshore Savings | 4.35% | $250 |
| 12-Month Certificate | 4.60% | $500 |
| Money Market | 4.10% | $1,000 |
| Home Loan, 30-Year Fixed | 6.125% | — |
| Home Loan, 15-Year Fixed | 5.625% | — |
| Auto Loan | 4.99% from | — |
| Personal Loan | 7.49% from | — |
Rates as of October 15, 2026. Savings and CD products are FDIC-insured up to $250,000 per depositor, per ownership category. Loan rates subject to credit approval and are subject to change. See a branch or contact us for full terms.
We lend to neighbors, not spreadsheets. Real underwriters review real applications — and you can sit down with the person who decides.
Tell a local loan officer what you're planning. No online form maze — a real conversation about what you need and what fits.
Most applications need just a few documents. Submit at a branch, by phone, or by mail — and track status with your officer by name.
Approved loans typically fund within 2 business days. Refinances close on your schedule, including bridge and portable-rate options.
1,900+ verified reviews across Google and the BBB — 4.8 out of 5.
"We refinanced our 30-year mortgage with TransLakeshore two years ago and saved over $200 a month. My loan officer still checks in after the holiday."
"I've been a member for 31 years. When my dad passed, they handled the joint account with so much care — they're not a call center, they're family."
"Opened business checking for my bakery last spring. No fees in year one and the business banker actually knows my name. Can't ask for more."
The things members ask before opening an account.
Walk in, call, or start online. A local banker will set you up with the right accounts — most first-time members are done before lunch.
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