Bank · FDIC insured
Lake City Bank Savings Rates
Lake City Bank’s best savings rate is 1.35% APY on $10,000, with its Investor’s Money Market. Rates checked October 15, 2026.
How Lake City Bank’s savings 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
1.35%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $135
Investor’s Money Market
Top rate
Interra Credit Union
4.03%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $403
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Lake City Bank savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0001.45%
- QualifiedQualified1.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Investor’s Money Market
1.35%APY
Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Paid on balances up to $4,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. | 0.00% | — | Paid on balances up to $4,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. |
| $5,000 – $10,000Paid on balances from $5,000 to $9,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. | 1.35% | — | Paid on balances from $5,000 to $9,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. |
| $10,000 – $20,000Paid on balances from $10,000 to $19,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. | 1.35% | $135 | Paid on balances from $10,000 to $19,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. |
| $20,000 – $50,000Paid on balances from $20,000 to $49,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. | 1.35% | — | Paid on balances from $20,000 to $49,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. |
| $50,000 – $100,000Paid on balances from $50,000 to $99,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. | 1.40% | — | Paid on balances from $50,000 to $99,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. |
| $100,000 and upPaid on balances of $100,000 or more. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. | 1.45% | — | Paid on balances of $100,000 or more. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee. |
Sources (1)
- lakecitybank.com/personal/banking/savings · captured Oct 15, 2026
Rewards Plus Savings
Up to 0.86%APY
Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts. | 0.86% | $86 | Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts. |
| Up to $50,000Earned on balance up to $50,000 when meeting monthly qualifications and having 3 or more eligible Lake City Bank accounts. | 0.66% | $66 | Earned on balance up to $50,000 when meeting monthly qualifications and having 3 or more eligible Lake City Bank accounts. |
| Any balanceEarned on entire Rewards Plus Savings balance when meeting monthly qualifications. | 0.56% | $56 | Earned on entire Rewards Plus Savings balance when meeting monthly qualifications. |
| Any balanceEarned on entire balance if Rewards Plus Checking account does not meet monthly qualifications. | 0.01% | $1 | Earned on entire balance if Rewards Plus Checking account does not meet monthly qualifications. |
| $50,000 and upEarned on balances greater than $50,000 when meeting monthly qualifications and having 3 or more eligible Lake City Bank accounts. | 0.56% | — | Earned on balances greater than $50,000 when meeting monthly qualifications and having 3 or more eligible Lake City Bank accounts. |
Sources (1)
- lakecitybank.com/personal/banking/savings · captured Oct 5, 2026
Rewards Savings
Up to 0.36%APY
Requires a Rewards Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts. | 0.36% | $36 | Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts. |
| Up to $50,000Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $10,000 balance in 3 or more eligible Lake City Bank accounts. | 0.26% | $26 | Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $10,000 balance in 3 or more eligible Lake City Bank accounts. |
| Any balanceEarned on entire Rewards Savings balance when meeting monthly qualifications and maintaining a combined $2,500 balance in eligible Lake City Bank accounts. | 0.16% | $16 | Earned on entire Rewards Savings balance when meeting monthly qualifications and maintaining a combined $2,500 balance in eligible Lake City Bank accounts. |
| Any balanceEarned on entire balance if Rewards Checking account does not meet monthly qualifications and/or combined $2,500 balance in eligible accounts is not maintained. | 0.01% | $1 | Earned on entire balance if Rewards Checking account does not meet monthly qualifications and/or combined $2,500 balance in eligible accounts is not maintained. |
| $50,000 and upEarned on balances greater than $50,000 when meeting monthly qualifications and maintaining a combined $10,000 balance in 3 or more eligible Lake City Bank accounts. | 0.16% | — | Earned on balances greater than $50,000 when meeting monthly qualifications and maintaining a combined $10,000 balance in 3 or more eligible Lake City Bank accounts. |
Sources (1)
- lakecitybank.com/personal/banking/savings · captured Oct 5, 2026
Personal Savings
0.01%APY
Monthly fee waived by maintaining a $300 average daily ledger balance or if the primary account owner is younger than age 24. No checking account required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid on collected balance. $25 minimum opening deposit ($5 if younger than age 24). $6 monthly maintenance fee waived with $300 average daily ledger balance or primary owner under age 24.Any balance | 0.01% | $1 | Paid on collected balance. $25 minimum opening deposit ($5 if younger than age 24). $6 monthly maintenance fee waived with $300 average daily ledger balance or primary owner under age 24. |
Sources (1)
- lakecitybank.com/personal/banking/savings · 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.