15accounts we track

  • Savings3
  • Money market1
  • Checking6
  • CDs5

Bank in Warsaw, IN

Lake City Bank

FDIC-insured · certificate 13102

Savings, money market, checking and CDs, with every rate from Lake City Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated

Best savings rate
1.45%APY · Lake City Investor's Money Market
Best CD rate
3.90%APY for 13 months

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees
Lake City Investor's Money MarketMoney market account · $5,000 to open1.45%$135$10 a month
Lake City Rewards Plus SavingsSavings account · $25 to open0.86%$1$9 a month
Lake City Rewards SavingsSavings account · $25 to open0.36%$1$9 a month
Lake City Personal SavingsSavings account · $25 to open0.01%$1$6 a month

Checking

Against 1043 checking accounts
Lake City Basic CheckingChecking account · $25 to openNot stated#321$9 a month
Lake City Essential CheckingChecking account · $25 to openNot stated#552$5 a month
Lake City Rewards CheckingChecking account · $25 to open0.26%#812$9 a month
Lake City Simple Earnings CheckingChecking account · $25 to open0.95%#813$9 a month
Lake City Rewards Plus CheckingChecking account · $25 to open0.80%#816$9 a month
Lake City StartSmartChecking account · $25 to openNot stated—None

Companion Certificate of Deposit, by term

$1,000 to open
3 months3.40%—
6 months3.55%#132 of 143
9 months3.80%—
13 months · Lake City Bank’s best3.90%—
18 months3.90%#101 of 107
27 months3.75%—
44 months3.65%—
5 years3.65%#93 of 98

A dash: a term we don’t rank. Also at Lake City Bank: Freedom Certificate of Deposit, up to 1.00%; Freedom Plus Certificate of Deposit, up to 2.65%; Rate-Riser Certificate of Deposit, up to 2.40%; Special Certificate of Deposit, up to 2.75%. All Lake City Bank CDs

Against the market

How Lake City Bank ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Lake City Investor's Money MarketMoney market account#26 of 174
  • Lake City Basic CheckingChecking account#321 of 1043
  • Lake City Essential CheckingChecking account#552 of 1043
  • Freedom Plus Certificate of Deposit · 18 monthsCD#71 of 107
  • Rate-Riser Certificate of Deposit · 2 yearsCD#91 of 134
  • Freedom Certificate of Deposit · 1 yearCD#131 of 176
  • Lake City Rewards CheckingChecking account#812 of 1043
  • Lake City Simple Earnings CheckingChecking account#813 of 1043

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.