Lake City Bank CD Rates — October 2026
As of October 22, 2026, Lake City Bank's highest tracked CD rate is 3.90% APY on a 13-month relationship CD ($1,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.20% to 2.65% APY.
Tracking began .
Lake City Bank CD rates
Includes Special, Companion, Regular, Freedom, Freedom Plus and Rate-Riser CDs. Companion rates require a Lake City Bank checking account. Opening minimums vary by product: $500 for Special/Regular, $1,000 for Companion/Rate-Riser, $5,000 for Freedom and $10,000 for Freedom Plus. Freedom products permit additional deposits and withdrawals; Rate-Riser has a one-time withdrawal/reinvestment feature. Other products restrict deposits and withdrawals, and early withdrawal penalties may apply. Term ranges are shown at their lower bound. Contact a branch or the bank to confirm availability.
| Term | Product | APY |
|---|---|---|
| 3 months | Companion CD Relationship | 3.40%Verified October 22, 2026 |
| 3 months | Regular CD | 0.20%Verified October 22, 2026 |
| 4 months | 4-Month Special CD Promotional | 2.75%Verified October 22, 2026 |
| 6 months | Companion CD Relationship | 3.55%Verified October 22, 2026 |
| 6 months | Regular CD | 0.20%Verified October 22, 2026 |
| 9 months | Companion CD Relationship | 3.80%Verified October 22, 2026 |
| 12 months | Freedom CD | 1.00%Verified October 22, 2026 |
| 12 months | Regular CD | 0.20%Verified October 22, 2026 |
| 13 months | Companion CD Relationship | 3.90%Verified October 22, 2026 |
| 18 months | Companion CD Relationship | 3.90%Verified October 22, 2026 |
| 18 months | Freedom Plus CD | 2.65%Verified October 22, 2026 |
| 24 months | Rate-Riser CD | 2.15%Verified October 22, 2026 |
| 24 months | Regular CD | 0.35%Verified October 22, 2026 |
| 27 months | Companion CD Relationship | 3.75%Verified October 22, 2026 |
| 36 months | Regular CD | 0.35%Verified October 22, 2026 |
| 44 months | Companion CD Relationship | 3.65%Verified October 22, 2026 |
| 48 months | Rate-Riser CD | 2.40%Verified October 22, 2026 |
| 60 months | Companion CD Relationship | 3.65%Verified October 22, 2026 |
| 60 months | Regular CD | 0.50%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 2.75% APY (4 months). The standard rate for a similar term is 0.20% APY (3 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $255 less per year. Check the account terms and set a reminder before maturity.
What are Lake City Bank's best CD rates by term?
Lake City Bank's best rate is 3.90% APY on 13 months, verified October 22, 2026.
- 3 mo3.40%
- 4 mo2.75%
- 6 mo3.55%
- 9 mo3.80%
- 12 mo1.00%
- 13 mo3.90%
- 18 mo3.90%
- 24 mo2.15%
- 27 mo3.75%
- 36 mo0.35%
- 44 mo3.65%
- 48 mo2.40%
- 60 mo3.65%
How much interest could a Lake City Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $41.853.40% APY · Companion CD · Relationship | $83.713.40% APY · Companion CD · Relationship | $209.273.40% APY · Companion CD · Relationship | $418.533.40% APY · Companion CD · Relationship |
| 6 months | $88.223.55% APY · Companion CD · Relationship | $176.443.55% APY · Companion CD · Relationship | $441.103.55% APY · Companion CD · Relationship | $882.193.55% APY · Companion CD · Relationship |
| 9 months | $141.963.80% APY · Companion CD · Relationship | $283.933.80% APY · Companion CD · Relationship | $709.823.80% APY · Companion CD · Relationship | $1,419.653.80% APY · Companion CD · Relationship |
| 12 months | $50.001.00% APY · Freedom CD · Standard | $100.001.00% APY · Freedom CD · Standard | $250.001.00% APY · Freedom CD · Standard | $500.001.00% APY · Freedom CD · Standard |
| 13 months | $211.363.90% APY · Companion CD · Relationship | $422.723.90% APY · Companion CD · Relationship | $1,056.813.90% APY · Companion CD · Relationship | $2,113.623.90% APY · Companion CD · Relationship |
| 18 months | $295.613.90% APY · Companion CD · Relationship | $591.223.90% APY · Companion CD · Relationship | $1,478.063.90% APY · Companion CD · Relationship | $2,956.113.90% APY · Companion CD · Relationship |
| 24 months | $217.312.15% APY · Rate-Riser CD · Standard | $434.622.15% APY · Rate-Riser CD · Standard | $1,086.562.15% APY · Rate-Riser CD · Standard | $2,173.112.15% APY · Rate-Riser CD · Standard |
| 60 months | $981.593.65% APY · Companion CD · Relationship | $1,963.183.65% APY · Companion CD · Relationship | $4,907.943.65% APY · Companion CD · Relationship | $9,815.893.65% APY · Companion CD · Relationship |
How Lake City Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 25 of 34 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Lake City Bank (this institution)Companion CD · Relationship | 13 months | $1,000 | Coverage: IN | 3.90% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Genisys Credit Union (highest tracked APY for this term)Certificate Special · Promotional | 13 months | $500 | Coverage: MI, MN | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Lake City Bank on October 22, 2026.
About Lake City Bank
- Legal name
- Lake City Bank
- Regulator ID
- FDIC 13102
- Headquarters
- Warsaw, IN
- Available in
- IN
- Total assets
- $7.2 billion
- Also known as
- Website
- www.lakecitybank.com
Source: rates read from https://www.lakecitybank.com/personal/banking/cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Lake City Bank?
Among the rates we track, 3.90% APY on a 13-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Lake City Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does Lake City Bank's best CD rate compare with Treasury yields?
3.90% APY is −0.70% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.90% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Lake City Bank CDs insured?
Lake City Bank is an FDIC-insured bank (FDIC 13102). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Lake City Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Lake City Bank's website and may change at any time. Confirm terms, minimums and eligibility with Lake City Bank before opening an account. This page is not financial advice.