# Lake City Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/lake-city-bank
Institution: Lake City Bank (FDIC 13102)
Aliases: 
Status: live
Last verified: 2026-10-22T14:30:53.000Z (October 22, 2026)
Official source: https://www.lakecitybank.com/personal/banking/cds/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Companion CD | relationship | 3 months | $1,000 | 3.40% | Not ZIP-priced | −0.90% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Regular CD | standard | 3 months | $500 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| 4-Month Special CD | promotional | 4 months | $500 | 2.75% | Not ZIP-priced | −1.64% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 6 months | $1,000 | 3.55% | Not ZIP-priced | −0.85% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Regular CD | standard | 6 months | $500 | 0.20% | Not ZIP-priced | −4.20% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 9 months | $1,000 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Freedom CD | standard | 12 months | $5,000 | 1.00% | Not ZIP-priced | −3.57% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Regular CD | standard | 12 months | $500 | 0.20% | Not ZIP-priced | −4.37% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 13 months | $1,000 | 3.90% | Not ZIP-priced | −0.70% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 18 months | $1,000 | 3.90% | Not ZIP-priced | −0.82% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Freedom Plus CD | standard | 18 months | $10,000 | 2.65% | Not ZIP-priced | −2.07% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Rate-Riser CD | standard | 24 months | $1,000 | 2.15% | Not ZIP-priced | −2.72% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Regular CD | standard | 24 months | $500 | 0.35% | Not ZIP-priced | −4.52% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 27 months | $1,000 | 3.75% | Not ZIP-priced | −1.14% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Regular CD | standard | 36 months | $500 | 0.35% | Not ZIP-priced | −4.60% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 44 months | $1,000 | 3.65% | Not ZIP-priced | −1.32% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Rate-Riser CD | standard | 48 months | $1,000 | 2.40% | Not ZIP-priced | −2.58% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Companion CD | relationship | 60 months | $1,000 | 3.65% | Not ZIP-priced | −1.36% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |
| Regular CD | standard | 60 months | $500 | 0.50% | Not ZIP-priced | −4.51% | 2026-10-22T14:30:53.000Z | [Snapshot 299](https://apyledger.com/snapshots/299) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.