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Dunkirk Branch
128 East Fourth Street
Dunkirk, New York 14048
Phone: 716-366-4070
Fax: 716-366-2965
DASH: 716-366-8550
Branch Manager: Amy Dobek

Savings Accounts: Rates and APYs

For the latest terrific rates on CDs, please visit or call your local Lake Shore Savings branch,

Certificate of Deposit (CD)

RATES


 3 Month   6 Month1 Year  15 Month
Annual Percentage Yield (APY)0.450%0.600%0.900%1.350%
Balance to Earn Minimum APY$500$500$500$500
Minimum to Open Account$500$500$500$500 + New Checking
Interest Rate0.450%0.600%0.900%1.340%

 2 Year3 Year4 Year5 Year
Annual Percentage Yield (APY)1.400%1.800%2.000%2.500%
Balance to Earn Minimum APY$500$500$500$500
Minimum to Open Account$500  $500$500$500
Interest Rate1.390%1.780%1.980%2.470%


All APYs and Rates are accurate as of July 30, 2010 and are subject to change without notice. Any Annual Percentage Yeild (APY) provided in this disclosure assumes interest will remain on deposit until maturity, for accounts with terms, or for at least one year, for accounts with no terms. Fees and withdrawals will reduce earnings. Early withdrawal penalties may apply for CDs. Fixed rates for accounts with no specific maturities are in effect for 30 days from the effective date disclosed above. Fixed rates for accounts with specific maturities are in effect until maturity. Rates for variable rate accounts are in effect through the effective period disclosed above. See your account disclosures for additional information about your account. Current rate information can be obtained by calling any of our offices.