looking to see which lures will work best for this time of the year. mostly gonna be fishing ponds and maybe some medium size lakes. Bank fisherman.

My number one choice would be a jerkbait fished with extended pauses between jerks (let the fish tell you how long).  This bait/technique works exceptionally well in late fall and early spring.  

 

Next would be a spinnerbait fished very slowly.  If you want it to go deep, use a willow leaf blade.  Shallower?  use a Colorado blade.  Slow is key.

 

One reason I suggest these two baits/techniques is that you can still cover a fair amount of water with them and find the actively feeding fish.  Slow moving soft plastics will work, too, IF you can find the fish.  Otherwise, you don't cover enough water.

Suspending jerkbait, rattle trap, light shakyhead with a straight tailed worm.