5 CDsChecked Oct 10, 2026Updated
Lake City Bank CD rates
3.90%APY for 13 months, its best · as of Oct 10, 2026
- 3 months
- 3.40%Companion Certificate of Deposit
- 4 months
- 2.75%Special Certificate of Deposit
- 6 months
- 3.55%#132 of 142 on our list
- 9 months
- 3.80%Companion Certificate of Deposit
- 1 year
- 1.00%#122 of 154 on our list
- 13 months
- 3.90%Companion Certificate of Deposit
- 18 months
- 3.90%#87 of 91 on our list
- 2 years
- 2.15%#78 of 113 on our list
- 27 months
- 3.75%Companion Certificate of Deposit
- 44 months
- 3.65%Companion Certificate of Deposit
- 4 years
- 2.40%Rate-Riser Certificate of Deposit
- 5 years
- 3.65%#72 of 73 on our list
Visit Lake CityPlaces are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Companion Certificate of Deposit
| Term | APY | On our list |
|---|---|---|
| 3 months | 3.40% | – |
| 6 months | 3.55% | #132 of 142 |
| 9 months | 3.80% | – |
| 13 months | 3.90% | – |
| 18 months | 3.90% | #87 of 91 |
| 27 months | 3.75% | – |
| 44 months | 3.65% | – |
| 5 years | 3.65% | #72 of 73 |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $1,000Source · checked Oct 10, 2026
- Early withdrawal penalty
- Penalty for early withdrawal.Source · checked Oct 10, 2026
- Interest compounds
- Interest is compounded and credited annually. For terms less than 12 months, interest is compounded and credited at maturity.Source · checked Oct 10, 2026
Freedom Certificate of Deposit
| Term | APY | On our list |
|---|---|---|
| 1 year | 1.00% | #122 of 154 |
Source: the bank’s page · checked Oct 10, 2026
Freedom Plus Certificate of Deposit
| Term | APY | On our list |
|---|---|---|
| 18 months | 2.65% | #62 of 91 |
Source: the bank’s page · checked Oct 10, 2026
Rate-Riser Certificate of Deposit
| Term | APY | On our list |
|---|---|---|
| 2 years | 2.15% | #78 of 113 |
| 4 years | 2.40% | – |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $1,000Source · checked Oct 10, 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.Source · checked Oct 10, 2026
- Interest compounds
- Interest is compounded and credited annually to a Rate-Riser CD.Source · checked Oct 10, 2026
Special Certificate of Deposit
| Term | APY | On our list |
|---|---|---|
| 4 months | 2.75% | – |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Penalty for early withdrawal.Source · checked Oct 10, 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.Source · checked Oct 10, 2026
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake