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Certificates of Deposit

Put your savings to work for you with a great CD rate.

Whatever your goal, we offer a CD that will help you reach it. Are you looking for a short-term deposit? Retirement income? A longer term commitment that pays a higher yield? Talk to us and we’ll set you up with the right solution.

Talk with a Personal Banker

Schedule an Appointment

We’ll help you find the account that fits you best

CDs4-Month Special CDCompanion CDRegular CDFreedom CDFreedom Plus CDRate-Riser CD
Term4 months3 months – 60 months3 months – 7 years12 months18 months24 months or 48 months
APY2.75% APY1See Terms2
See Terms2
1.00% APY12.50% APY12.15% APY1 for 24 months
2.40% APY1for 48 months
Minimum Deposit to Open$500$1,000$500$5,000$10,000$1,000
Deposits Allowednononoyesyesno
Withdrawals Allowednononoyesyesno
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1APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. Penalty for early withdrawal. For more information call (888) 522‑2265.

4-Month Special CD

Lock in a great rate for a four-month term with our 4-Month Special CD. See the current rate and learn more about the 4-Month Special CD here.

Open your 4-month Special CD

Companion CD

Our Companion CD rewards you when you have your checking account with us. We’re offering 3.40% APY1 on a 3-month Companion CD and 3.75% APY1 on a 13-month Companion CD. Learn more about the Companion CD here.

Regular CD

A $500 deposit is all that’s needed to open a Regular CD, with terms from from 3 months to 7 years. See terms and rates for the Regular CD here.

Freedom CD

Lake City Bank’s 12-month Freedom CD offers 1.00% APY1 with unlimited deposits and up to one withdrawal per month. Learn more about the Freedom CD here.

Freedom Plus CD

Lake City Bank’s 18-month Freedom Plus CD offers 2.50% APY1 with unlimited deposits and up to one withdrawal per month. Learn more about the Freedom Plus CD here.

Rate-Riser CD

Our Rate-Riser CD offers 2.15% APY1 for a 24-month term, and 2.40% APY1 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.

1APY = Annual Percentage Yield. Quoted APY is accurate as of September 15, 2026. Penalty for early withdrawal. For more information call (888) 522‑2265

Drop in one of our branch locations or call our One Call Center at (888) 522‑2265 for more information about other available rates/terms or to open an account. 

CDARS

Get peace of mind with full FDIC insurance on deposits greater than $250,000 with CDARS, our Certificate of Deposit Account Registry Service.

Benefits

  • Work with just one bank — Lake City Bank. We’ll distribute your large deposit in smaller amounts among several CDARS banks, ensuring all of your deposit is FDIC insured.
  • Earn the same rate on all the smaller CDs that make up your large deposit; no need to negotiate rates for each smaller CD.
  • Receive one combined account statement listing all the smaller CDs that are part of your large deposit; this combined statement includes details about the issuing banks, maturity dates, interest earned, etc.

Drop in one of our branch locations or call our One Call Center at (888) 522‑2265 for more information about other available rates/terms or to open an account.

CD Calculator

Use this calculator to estimate the future value and earnings of a CD.

Go to CD Calculator

Personal Credit Card

The Card That Fits the Way You Spend

From rewards and cash back to building credit, Lake City Bank Visa® credit cards* offer options to match the way you spend and manage your finances.
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*Credit cards subject to credit approval
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Banking Tips & Insights

Practical Budgeting Methods That Actually Work

For many of us, creating a budget is the easy part. The hard part is sticking to a plan over the long term. Understanding your habits, strengths, and weaknesses can help you choose budgeting strategies that you’ll actually stick with.