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Source: https://www.lakecitybank.com/personal/banking/cds/
Read: 2026-10-22T14:30:53.000Z

Certificate of Deposit Indiana | Lake City Bank Skip to main content
50%
CDs | 4-Month Special CD | Companion CD | Regular CD | Freedom CD | Freedom Plus CD | Rate-Riser CD
Term | 4 months | 3 months – 60 months | 3 months – 7 years | 12 months | 18 months | 24 months or 48 months
APY | 2.75% APY 1 | See Terms 2 Click to Expand 3 months at 3.40% APY 1 6 months at 3.55% APY 1 9 months at 3.80% APY 1 13 months at 3.90% APY 1 18 months at 3.90% APY 1 27 months at 3.75% APY 1 44 months at 3.65% APY 1 60 months at 3.65% APY 1 | See Terms 2 Click to Expand 3 – 5 months at 0.20% APY 1 6 – 11 months at 0.20% APY 1 12 – 23 months at 0.20% APY 1 24 – 35 months at 0.35% APY 1 36 – 59 months at 0.35% APY 1 60 months and over at 0.50% APY 1 | 1.00% APY 1 | 2.65% APY 1 Minimum Deposit to Open | $500 | $1,000 | $500 | $5,000 | $10,000 | $1,000
Deposits Allowed | no | no | no | yes | yes | no
Withdrawals Allowed | no | no | no | yes | yes | no
Learn More | ²Learn More | ²Learn More | Learn More | Learn More | Learn More
1 APY = Annual Percentage Yield. Quoted APY is accurate as of October 21, 2026. Penalty for early withdrawal. For more information call (888) 522‑2265 .
CDs | 4-Month Special CD | Companion CD | Regular CD | Freedom CD | Freedom Plus CD | Rate-Riser CD
Term | 4 months | 3 months – 60 months | 3 months – 7 years | 12 months | 18 months | 24 months or 48 months
APY | 2.75% APY 1 | See Terms 2 Click to Expand 3 months at 3.40% APY 1 6 months at 3.55% APY 1 9 months at 3.80% APY 1 13 months at 3.90% APY 1 18 months at 3.90% APY 1 27 months at 3.75% APY 1 44 months at 3.65% APY 1 60 months at 3.65% APY 1 | See Terms 2 Click to Expand 3 – 5 months at 0.20% APY 1 6 – 11 months at 0.20% APY 1 12 – 23 months at 0.20% APY 1 24 – 35 months at 0.35% APY 1 36 – 59 months at 0.35% APY 1 60 months and over at 0.50% APY 1 | 1.00% APY 1 | 2.65% APY 1 Minimum Deposit to Open | $500 | $1,000 | $500 | $5,000 | $10,000 | $1,000
Deposits Allowed | no | no | no | yes | yes | no
Withdrawals Allowed | no | no | no | yes | yes | no
Learn More | ²Learn More | ²Learn More | Learn More | Learn More | Learn More
1 APY = Annual Percentage Yield. Quoted APY is accurate as of October 21, 2026. Penalty for early withdrawal. For more information call (888) 522‑2265 .
Our Companion CD rewards you when you have your checking account with us. We’re offering 3.40% APY 1 on a 3-month Companion CD and 3.90% APY 1 on a 13-month Companion CD. Learn more about the Companion CD here.
Lake City Bank’s 12-month Freedom CD offers 1.00% APY 1 with unlimited deposits and up to one withdrawal per month. Learn more about the Freedom CD here.
Lake City Bank’s 18-month Freedom Plus CD offers 2.65% APY 1 with unlimited deposits and up to one withdrawal per month. Learn more about the Freedom Plus CD here.
Our Rate-Riser CD offers 2.15% APY 1 for a 24-month term, and 2.40% APY 1 for a 48-month term. You can withdraw and reinvest your deposit once without penalty, as long as your new CD’s term equals the time remaining in your original Rate-Riser CD. Learn more about the Rate-Riser CD here.
1 APY = Annual Percentage Yield. Quoted APY is accurate as of October 22, 2026. Penalty for early withdrawal. For more information call (888) 522‑2265
Looking for a little extra cash? Lake City Bank’s VISA® Credit Card pays you up to 3% on the purchases you make every day – with no annual fee.