Bank · FDIC insured
Lake City Bank CD Rates
Lake City Bank’s best CD rate is 2.75% APY on a 4-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Lake City Bank’s CD rates compare
Compared with banks and credit unions near Warsaw, IN, where Lake City Bank has the most branches. $10,000, best rate first.
This bank’s best
Lake City Bank
3.90%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $423
Companion CD
Top rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $562
2nd-highest rate
Via Credit Union
4.30%APY
- Term
- 60–71 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- —
Lake City Bank CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo2.40%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lake City Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Companion CD
Up to 3.90%APY · 8 terms
Requires having or opening a Lake City Bank checking account. Deposits and withdrawals not allowed. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires checking account. Penalty for early withdrawal | 3.40% | $84 |
| 6 monthsRequires checking account. Penalty for early withdrawal | 3.55% | $176 |
| 9 monthsRequires checking account. Penalty for early withdrawal | 3.80% | $284 |
| 13 monthsRequires checking account. Penalty for early withdrawal | 3.90% | $423 |
| 18 monthsRequires checking account. Penalty for early withdrawal | 3.90% | $591 |
| 27 monthsRequires checking account. Penalty for early withdrawal | 3.75% | $864 |
| 44 monthsRequires checking account. Penalty for early withdrawal | 3.65% | $1,405 |
| 60 monthsRequires checking account. Penalty for early withdrawal | 3.65% | $1,963 |
Sources (1)
- lakecitybank.com/personal/banking/cds · captured Oct 5, 2026
4-Month Special CD
2.75%APY · 1 term
Penalty for early withdrawal. Deposits and withdrawals not allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsPenalty for early withdrawal | 2.75% | $91 |
Sources (1)
- lakecitybank.com/personal/banking/cds · captured Oct 5, 2026
Freedom Plus CD
2.65%APY · 1 term
Unlimited deposits and up to one withdrawal per month allowed. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsUnlimited deposits and up to one withdrawal per month. Penalty for early withdrawal | 2.65% | $400 |
Sources (1)
- lakecitybank.com/personal/banking/cds · captured Oct 5, 2026
Rate-Riser CD
Up to 2.40%APY · 2 terms
Allows withdrawal and reinvestment of deposit once without penalty, as long as new CD's term equals time remaining in original Rate-Riser CD. Deposits and withdrawals not allowed otherwise. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAllows one penalty-free withdrawal and reinvestment for remaining term. Penalty for early withdrawal | 2.15% | $435 |
| 48 monthsAllows one penalty-free withdrawal and reinvestment for remaining term. Penalty for early withdrawal | 2.40% | $995 |
Sources (1)
- lakecitybank.com/personal/banking/cds · captured Oct 5, 2026
Freedom CD
1.00%APY · 1 term
Unlimited deposits and up to one withdrawal per month allowed. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsUnlimited deposits and up to one withdrawal per month. Penalty for early withdrawal | 1.00% | $100 |
Sources (1)
- lakecitybank.com/personal/banking/cds · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.