Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Lake City, FL metro
- 4.50%APY$722 over 19 months on $10,000intro rate
Requirements
Product: Minimum deposit to open varies per certificate with a maximum of $5,000,000. Early withdrawal penalties apply. Dividends compounded and credited quarterly. Membership eligibility required.
Offer: Special certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly.
Promotional rate · 4.43% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - Champions First Credit UnionPromotional CertificatesCD · 21 months · $10,000 min
Credit union · 1 branch
4.30%APY$765 over 21 months on $10,000intro rateRequirements
Product: Minimum balance to open a 4.00% APY 9-month promotional certificate of deposit is $1,000. Minimum balance to open a 4.30% APY 21-month promotional certificate of deposit is $10,000. Early withdrawals will be subject to a substantial penalty and any fees could reduce earnings on the account. After maturity, if rolled over, interest is earned according to the CD Dividend and Interest Rate Schedule. Limited-time offer.
Offer: Limited-time offer. Early withdrawals subject to substantial penalty. Rollover at maturity earns standard schedule rates.
Promotional rate · 4.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000
Requirements
Product: Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Compounded daily. Funds insured up to $250,000 by NCUA.
Offer: APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.10% APR. Compounded daily.
4.11% interest rate · Compounded daily
Rate checked
More details - 4.08%APY$202 over 6 months on $10,000
Requirements
Product: Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
Offer: APY is based on $10,000; your APY may vary slightly. Compounded daily.
4.00% interest rate · Compounded daily
Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 1 branch
4.05%APY$1,043 over 30 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.97% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 4.05% $50,000 and up 4.15% Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.
Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).
Offer: 20-day grace period upon maturity.
3.68% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 1 branch
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - First Federal BankCertificate of DepositCD · 18 months · $1,000 min · 1.05%–1.07% by balance
Bank · 3 branches
1.05%APY$158 over 18 months on $10,000Requirements
Product: Terms range from 30 days to 5 years. Automatic renewal at the end of the term. Penalty applies if withdrawn before maturity. Compounded interest can be credited to CD or another First Federal account.
Offer: For Certificate of Deposit greater than 91 days, interest will compound and credit quarterly.
Effective Oct 25, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 1.05% $10,000 – $25,000Your amount 1.05% $25,000 – $50,000 1.05% $50,000 – $100,000 1.06% $100,000 and up 1.07% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Lake City, FL metro
57 CDs at 7 banks and credit unions · checked Oct 5–22
- Typical
- 3.55%
- Top 10% from
- 4.10%
- Banks, typical
- 1.05%
- Credit unions, typical
- 3.63%
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Lake City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Champions First Credit UnionCredit union · 1 branch
- Radiant Credit UnionCredit union · 1 branch
- Florida Credit UnionCredit union · 1 branch