Its best CD
3.90%
APY for 13 months, as of Nov 8, 2026
5 CDs
Lake City Bank CD rates
Every CD we track from Lake City Bank, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 3 months3.40%Not ranked
- 4 months2.75%Not ranked
- 6 months3.55%#132 of 143
- 9 months3.80%Not ranked
- 1 year1.00%#131 of 176
- 13 months3.90%Not ranked
- 18 months3.90%#101 of 107
- 2 years2.15%#91 of 134
- 27 months3.75%Not ranked
- 44 months3.65%Not ranked
- 4 years2.40%Not ranked
- 5 years3.65%#93 of 98
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
Its CDs, by term
Companion Certificate of Deposit
- Minimum to open
- $1,000secure.lakecitybank.com, checked Nov 1, 2026
- Early withdrawal penalty
- Penalty for early withdrawal.secure.lakecitybank.com, checked Nov 1, 2026
- Interest compounds
- Interest is compounded and credited annually. For terms less than 12 months, interest is compounded and credited at maturity.secure.lakecitybank.com, checked Nov 1, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
Freedom Certificate of Deposit
- Early withdrawal penalty
- Any term: 360 days of interest
- Minimum to open
- $5,000secure.lakecitybank.com, checked Nov 1, 2026
- Interest compounds
- Interest is compounded and credited annually to a Freedom CD.secure.lakecitybank.com, checked Nov 1, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
Freedom Plus Certificate of Deposit
- Early withdrawal penalty
- Any term: 360 days of interest
- Minimum to open
- $10,000secure.lakecitybank.com, checked Nov 1, 2026
- Interest compounds
- Interest is compounded and credited annually to a Freedom Plus CD.secure.lakecitybank.com, checked Nov 1, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
Rate-Riser Certificate of Deposit
- Minimum to open
- $1,000secure.lakecitybank.com, checked Nov 1, 2026
- Early withdrawal penalty
- You may make a one-time early redemption after the first 7 days of the term without penalty provided the full amount is reinvested into a Lake City Bank CD, except any type of Freedom CD or Rate-Riser CD product. Penalty for early withdrawal may apply.secure.lakecitybank.com, checked Nov 1, 2026
- Interest compounds
- Interest is compounded and credited annually to a Rate-Riser CD.secure.lakecitybank.com, checked Nov 1, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
Special Certificate of Deposit
- Minimum to open
- $500secure.lakecitybank.com, checked Nov 8, 2026
- Early withdrawal penalty
- Penalty for early withdrawal.secure.lakecitybank.com, checked Nov 8, 2026
- Interest compounds
- Interest is compounded and credited annually to the Special CD. For terms less than 12 months, interest is compounded and credited at maturity to the Special CD.secure.lakecitybank.com, checked Nov 8, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake